people look friendly when they ask for a loan but not so much when they repay it; when borrowing (the money), the face of the (bodhisattva) Kshitigarbha; when returning it, the face of the (hell king) Yama
Kshitigarbha (bodhisattva who looks over children, travellers and the underworl…
Yama (King of Hell who judges the dead); Enma