I agree with Rose.

She insists on paying you back because she wants to satisfy her debt, not because she wants a connection with you.

You should allow her to pay you back. Then, if you want to give that money to someone who needs it more, go ahead!

She insists that you stop offering her money because she wants the pride of being seen as standing on her own two feet and/or because she does not want to feel beholden to you.