A Nigerian preacher recently said, I'll paraphrase and withhold the name, I quote:
"If anyone owes you 10 naira, 5 naira, let it go. That money will not help you. It is poverty mentality and stinginess to hold on to a debt of 20, 10 or 5 naira."
Hold on! Let's do some math. If one million persons owe you 10 naira each, how much is that? That's 10 Million naira. That's huge! That's some money you may never count at once as your own o.
Anyways, what the preacher said is valid for the dignity of his followers and the owed. However, the truth is what you deem fit works for you. In the context of morality and conscience.
Bruh! Collect you balance everywhere! And if you are led to give it after, do that. Or gather your balances, make it substantial and change a life with it. That "change" can change a life when it is big anyways. It is not to be left with business owners. Never!
Anyone who expects you to forego your "change" because it is small is wicked. If you owe, pay every dime. Even if it is a kobo. Let me teach you accountability.