नोंथाङा दाहार लाग्राखौ थिक समाव दाहार सुख'नो थाखाय थुलुंगा होनो सानो, बिनिखाय बिथाङा सुख'आब्ला नोंथाङा सुत लानायनि खोथा साननांगौ।
You want to prod the borrower to pay back the loan in a timely manner, so you should think about charging a fee if they miss a payment.