Winnie,
I don't think you need to feel that you are being cruel. For a maid who didn't perform up to mark, lied about her smoking habit and did not have any initiative, it goes to show how appreciate she is of the opportunity to work for you. And it also shows that it didn't really matter to her whether or not she could pay up all her loan. Like Liana, I would not advise you to give her any chances because very likely she will not be able to find another employer (unless it is some super bo chap expat!). You will end up having more problems to deal with.
Sorry to be so straight forward, but i do think your husband is being too generous to even suggest paying the loan for her. I certainly do not think it is money well spent at all.
Hope you have found the right solution for yourself.
I don't think you need to feel that you are being cruel. For a maid who didn't perform up to mark, lied about her smoking habit and did not have any initiative, it goes to show how appreciate she is of the opportunity to work for you. And it also shows that it didn't really matter to her whether or not she could pay up all her loan. Like Liana, I would not advise you to give her any chances because very likely she will not be able to find another employer (unless it is some super bo chap expat!). You will end up having more problems to deal with.
Sorry to be so straight forward, but i do think your husband is being too generous to even suggest paying the loan for her. I certainly do not think it is money well spent at all.
Hope you have found the right solution for yourself.