借りる時の地蔵顔、済す時の閻魔顔（かりるときのじぞうがお、なすときのえんまがお）
日文單字
意思：借時友善還時冷漠
English: 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