«اِلدِّينْ سَوَادِ الْخَدِّينْ»

Owing money is presented as a source of open disgrace. A darkened face is a conventional Arabic picture of humiliation and lost standing, not a reference to skin color, so the saying treats the debtor as someone whose shame shows plainly to everyone around them.

Beyond describing that shame, the line works as a warning against borrowing. It urges people to avoid falling into debt, since the burden is not only financial but also a matter of honor and reputation, something to be dreaded and avoided.

Suitable for cautioning someone tempted to borrow, explaining reluctance to take on loans, or remarking on the embarrassment of someone unable to repay. It frames avoiding debt as protecting one's dignity and concerns the social humiliation of owing, not a judgment on any lender or loan arrangement.