Kong or Jie in the Siblings Palace does not prove a friend is unreliable. Read Wealth for cash flow and Career for the purpose of the loan. Separate an emergency from a speculative new project. Put the amount, use, due date, interest, and fallback plan in writing, and leave the friend free to decline. A conservative repayment schedule matters more than a star label.
Kong and Jie in the Siblings Palace: Borrowing From a Friend
Check repayment and boundaries without judging a friend from a chart.