what would you do when your friend want to borrow money from you?

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Hi, i think everyone should experience something like your friend borrow money from you. if my friend borrow money from me. i have two principle for this. 1. figure out why he or she borrow money from me? if it's gamebling, i will say sorry to this guy. 2. if the guy borrow money from me before and credit is good, i will agree. if the guy didn't borrow money from me before, i will ask other people for this to make sure the guy have a good credit record. if the guy's credit record is bad, i also say sorry to this guy.