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Why does the Torah (תורה) forbid charging interest on loans to Jews while commanding interest on loans to gentiles? The shiur distinguishes two frameworks: loans to the poor are structured charity preserving the borrower's dignity, while loans to the financially stable reflect brotherhood—neither context permits interest. The word "im" (if) teaches that interpersonal mitzvos must be performed as if voluntary, making the recipient feel personally cared for rather than merely fulfilling an obligation.
Rabbi Zweig addresses the Torah (תורה)'s prohibition against charging interest (ribbis) in Parshas Mishpatim, beginning with the fundamental question: why can't one charge interest when lending money? Unlike renting physical objects, which is permitted, renting money through interest is forbidden to Jews. This becomes even more puzzling from the borrower's perspective—an upstanding person would prefer to pay interest rather than feel he's receiving an unfair benefit. Moreover, the Rambam (רמב"ם) rules it is a mitzvah (מצוה) to lend money to a gentile with interest, which seems to validate negative stereotypes about Jewish financial practices. The shiur traces the pathology of lending described in Parshas Re'eh (Deuteronomy 15:7-9). The Torah begins by commanding one to open one's hand and give to a poor brother, then warns against hardening one's heart even when approaching the shemittah year (when loans are discharged). Rashi (רש"י) explains the progression: first offer charity, then a gift; if the poor person refuses both and requests a loan instead, lend him the money. Even if it's ninety days before shemittah and you fear non-repayment, you must lend.
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Shemos 22:24, Devarim 15:7-9, Vayikra 25:35-37
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