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karirutokinojizougao、nasutokinoenmagao

expression

1. people look friendly when they ask for a loan but not so much when they repay it
2. when borrowing (the money), the face of the (bodhisattva) Kshitigarbha; when returning it, the face of the (hell king) Yama

Study it in Yanamino