Repayment involves more than holding money aside. The due date, the agreement, and the other person's legitimate rights matter. Repeated excuses by someone able to pay undermine trust.
Practical habits:
1. Record the agreed repayment date.
2. Do not impose needless waiting when payment is possible.
3. If genuine difficulty arises, explain the situation truthfully and discuss a suitable extension.
ظُلْمٌ is not limited to physical mistreatment; withholding another person's financial due can also be injustice. The lesson concerns ethical payment practices, not every procedural detail of resolving a legal dispute.