How do you decide?

I was asked by a person I have known only recently to lend him some money. I was in a fix whether to lend him money or not? Should I just avoid him? Should I help him? Should I trust him or not? Will he return the money? People haunt you when you have the money and I am sure he would have refused me if I had asked him the same favour. How very tricky!
How will you decide whom to give your money to? What if tomorrow you were in need and someone refuse you? So you see... It's pretty tricky.