Bai, Pakistanis, once they take a loan from anyone, they don't return it that easily, in fact they make it such an emotional blackmail that you feel ashamed to ask your money back. It's in the genes. Pata nai neend kaisay a jati hy inhay. I can understand if it is a real genuine case, but I have seen achay khasay khaty peetay adat say majboor mangtay asking for loan money and then forgetting it like you never gave them any money or making such pathetic excuses that you feel ashamed to even mentioning it to them.
So my strategy is plain simple (based on experience be a d*ckhead it's not their hard earned money but mine, my kids and family need it more than these muftakhors).
As far as your officer is concerned just start spreading word in your office, use every tactic you can think of to make her feel embarrassed without you being arrogant or rude.
