borrowing
US /ˈbɑːr.oʊ.ɪŋ/
UK /ˈbɑːr.oʊ.ɪŋ/

1.
the action of taking and using something that belongs to someone else with the intention of returning it
:
•
The borrowing of books from the library is free.
•
His constant borrowing of money caused problems.