Write the following on a piece of paper. Fold it in four folds and place it between two stones in a place that they can not be disturbed. Each stone must be more than 2 kg. One side of the stones must be flat so that when they are placed on top of each another the weight of the upper stone should press on the charm. To make this charm more effective write the name of the person who borrowed from you with his/her mother’s name on the bottom of the charm.
Secondly, Recite “Ayat-ul Kursi” 41-times, after the Esha’a Prayer. Holding both hands together, blow on them and run the hands over your face three times and then pray to God that the lent amount is recovered. This is to be practiced for 90-days. Women can complete the missing days of their periods later on.