The penny is the coin, and cent refers to how much the penny is worth.
If I told you I had 15 cents, that could be three nickels, or a dime and five pennies, or two nickels and five pennies (there are other possible combinations as well).
Since she already mentioned the dime, it makes sense that she also said "pennies" instead of "cents." I suppose she might have said:
I have a dime plus four more cents
That would be grammatical, but usually we speak of coins with coins and cents with cents.
Had you asked me the same question, and I had the same amount of money, I'd probably say either of these:
I have a dime and four pennies.
or
I only have fourteen cents.
I might lean toward the first wording if you asked me about currency:
Do you have a quarter?
No, I only have a dime and four pennies.
but the second if you asked me about money:
How much money do you have?
On me? Only fourteen cents.
One other possibility, if I had to count my money in order to answer your question (in other words, I knew I has some coins in my pocket, but didn't remember what they were), then I might say it like she did:
How much money do you have?
On me? Let me see. [pulls five coins from pocket] I've got a dime.... and four pennies.
I'd assume you could do the math as easily as I could, so I wouldn't bother to state the sum.
There is a difference in meaning between “a little” and “little”.
The meaning of “a little” is positive. It means some or a small amount, such as, “I have a little money.”, “He made a little progress.”, etc.
On the other hand, “little” has a negative meaning. It means an extremely small amount or an amount that is less than expected or wished for, as in, “I have little money.”, “He made little progress.”, etc.
If we look at these sentences, the difference between “a little” and “little” will come across easily. The former may be satisfactory for a particular purpose while the latter is not.
Best Answer
Meaning
These two verbs lend and borrow often cause confusion for learners. The main reason is that many languages use just one verb for both of these meanings
The verb lend is like the verb give. It means to give temporarily, not permanently.
The verb borrow is more like the verb take. If you borrow something you are taking it, but temporarily, not permanently.
Grammar
The verb lend has the same grammar as the verb give. It takes an Indirect Object (the person your giving the thing to) and a Direct Object (the thing that you are giving):
The verb borrow has the same grammar as the verb take. It normally takes a Direct Object (the thing being taken) and it sometimes also takes a preposition phrase headed by the preposition from:
The Original Poster's question
Sentence (1) is incorrect for two reasons. Firstly the subject of the sentence he is giving the money, not taking it. Therefore we need the verb lend not the verb borrow.
Secondly the grammar in sentence (1) is problematic. The verb borrow cannot take an Indirect Object. We can't say "borrow me" in standard English.
Sentence (2) is, of course, perfectly fine. The poster could make a similar sentence with the word borrow, but this would need a different Subject:
However, this sentence has a completely different feeling to it.
[Note:
This is the first installment of a post. The second installment will be much more complicated and will show how He borrowed me some money could be correct but not if me is a normal Object.
It might be worth noting that in some regional varieties of English we can use the verb borrow with the same grammar and meaning as lend, but this does not happen in standard Englishes like Southern Standard British English or General American.]