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to owe
01
借りがある（かりがある）, 返済する義務がある（へんさいするぎむがある）
to have the responsibility of paying someone back a certain amount of money that was borrowed
Ditransitive: to owe sb a sum of money | to owe a sum of money to sb
Example
I owe my friend $ 50 from last month when he covered my dinner expenses.
She realizes she owes her sister a significant sum after borrowing money for car repairs.
We owe the bank a monthly mortgage payment for our home loan.
02
借りている（かりている）, 恩恵を受けている（おんけいをうけている）
to carry a sense of gratitude, recognition, or indebtedness toward someone or something for intellectual or abstract contributions
Ditransitive: to owe an abstract achievement or quality to sb/sth
Example
I owe my clarity of thought to the insightful teachings of my philosophy professor.
The community owes a debt of appreciation to the pioneers who laid the foundation for its values.
He feels he owes a debt of acknowledgment to the countless authors who shaped his literary perspective.
03
借りている, 負っている
to be under an obligation to repay something, typically money, to a person, entity, or organization for something they have done
Transitive: to owe sb for a service
Example
The company owes its suppliers for the raw materials received.
After the vacation, I realized I owe my friend for covering my share of the hotel expenses.
The tenant acknowledges that they owe the landlord for repairing the damages caused during their stay.
