«مَا عَنْدَكْ إِحْسَانْ مَا عَنْدَكْش لْسَانْ»

The saying sets two kinds of kindness side by side: material generosity, the sense of إحسان here rather than its theological meaning, and gracious, comforting speech, which is what "tongue" stands for, not eloquence. Someone who will not give can still be warm. Withholding both fails an easy duty as well as a costly one.

Whether heard as a statement followed by a question or as two questions, it rebukes stinginess made worse by rudeness or silence: if not one kindness, then at least the other. The speaker accepts that a gift may not come but expects a kind reply. Withholding pleasant speech, which costs nothing, is the more telling failure.

Use this to scold someone who refuses help and is also curt or harsh about it. It suits complaints about a stingy relative, employer, or acquaintance whose cold words make the refusal worse. It is a reproach, so it is not suited to polite or formal requests.