I seldom do this, but if i do, i am thinking that the money i loaned to my friend is me just helping him or her, i am not expecting them to return it, of course i dont lens them big amounts.
So if they return it, thats great, if they not, atleast i helped them but they will not be able to borrow from money again.

I am personally against lending money to friends coz it might ruin your friendship