When giving money to someone especially for business purpose, I prefer to give it as a loan. Often times, it is to make sure the funds go round. But most important, it is to make sure the beneficiary works hard enough because of the belief that he/she will have to refund the money.

Once when I gave my own cousin money to start some petty trade. I didn't plan to get the money back but I still give her as a loan and within few months she was ready with the money. I asked her to put it back into the business to expand it. Why did I do so, it was to make sure she put all of her into making sure the business succeed. That's just my opinion.