I am one person who always has money available to me and because of that people always find it in them to come and borrow money from me. I have never had a problem with this up until recently when I realised people took forever to give back my money. Thus I started operating like a bank charging monthly interest, so that a person will know that they have to give back the money sooner than later because they will end up loosing even more. I am currently charging 30% interest on any amount that I lend people. Do you think that is a bit too much and if it is , what is the most acceptable charge rate I can give people.