Is it permissible to count the money I lent to my sister as charity, or should I demand it back, knowing that she procrastinates in repayment and claims poverty?

If the wife lends money from her husband's wealth to her sister with his knowledge and consent, there is no harm in it. However, if it is without his knowledge or consent, she has overstepped, as a woman is not permitted to dispose of her husband's wealth except with his permission.

It is not permissible for the wife to absolve her sister from the debt and consider it a charity on behalf of the husband unless two conditions are met: his knowledge, and that he does not consider it among the obligatory charities (such as zakat and vows).

When collecting the debt, kindness and leniency must be exercised to maintain kinship ties.