Hadith comprehension

Fatimah borrowed money from Zaynab; Zaynab now requests repayment. Which roles are correct?

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

• Fatimah is creditor; Zaynab is debtor
• Both are creditors merely because one asked
• Fatimah is debtor; Zaynab is creditor
• Zaynab is debtor because she lent the money