Hadith comprehension

You know only that a loan was repaid late. What further fact matters for the specific warning in “مَطْلُ الْغَنِيِّ”?

Travel, repayment, service, and sufficiency (Hadith 37–43)

• The creditor’s occupation
• Whether the debtor was able to pay
• The color of the written agreement
• Whether both parties lived in the same city