拝借
はいしゃく · haishaku · JLPT N1 · noun
borrowing
拝 = humbly receive + 借 = borrow, so 拝借 = humbly borrow (polite form)
拝 is a humble prefix meaning to receive respectfully, and 借 means to borrow. Use 拝借 when asking to borrow something from a superior or customer, not with friends.
借 — person radical 亻 + 昔 (formerly)
借 combines the person radical 亻 with 昔, which provides the sound and originally meant 'former times.' The character depicts a person engaging in an act tied to time — borrowing or lending something with the expectation of return. Today it means 'to borrow' or 'to lend.'