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Text -- Exodus 22:25 (NET)

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Context
22:25 “If you lend money to any of my people who are needy among you, do not be like a moneylender to him; do not charge him interest.
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Names, People and Places, Dictionary Themes and Topics

Dictionary Themes and Topics: Usury | TRADE | Revelation | Poor | Money | Lending | LOAN | LEVITICUS, 1 | LEND, LOAN | LAW OF MOSES | Israel | Interest | EXODUS, THE BOOK OF, 2 | Debt | DEBT; DEBTOR | Creditor | COVENANT, BOOK OF THE | Book | BORROWING | BANK; BANKING | more
Table of Contents

Word/Phrase Notes
Wesley , Clarke , Calvin , TSK

Word/Phrase Notes
Barnes , Poole , Haydock , Gill

Verse Notes / Footnotes
NET Notes

Verse Range Notes
TSK Synopsis , MHCC , Matthew Henry , Keil-Delitzsch , Constable , Guzik

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Commentary -- Word/Phrase Notes (per phrase)

Wesley: Exo 22:25 - -- They must not receive use for money from any that borrowed for necessity. And such provision the law made for the preserving estates to their families...

They must not receive use for money from any that borrowed for necessity. And such provision the law made for the preserving estates to their families by the year of Jubilee, that a people who had little concern in trade could not be supposed to borrow money but for necessity; therefore it was generally forbidden among themselves; but to a stranger they were allowed to lend upon usury. This law therefore in the strictness of it seems to have been peculiar to the Jewish state; but in the equity of it, it obligeth us to shew mercy to those we have advantage against, and to be content to share with those we lend to in loss as well as profit, if Providence cross them: and upon this condition it seems as lawful to receive interest for my money, which another takes pains with, and improves, as it is to receive rent for my land, which another takes pains with, and improves, for his own use.

Wesley: Exo 22:25 - -- clothes in pawn; but if they did, must restore them by bed - time.

clothes in pawn; but if they did, must restore them by bed - time.

Clarke: Exo 22:25 - -- Neither shalt thou lay upon him usury - נשך neshech , from nashach , to bite, cut, or pierce with the teeth; biting usury. So the Latins call it...

Neither shalt thou lay upon him usury - נשך neshech , from nashach , to bite, cut, or pierce with the teeth; biting usury. So the Latins call it usura vorax , devouring usury. "The increase of usury is called נשך neshech , because it resembles the biting of a serpent; for as this is so small as scarcely to be perceptible at first, but the venom soon spreads and diffuses itself till it reaches the vitals, so the increase of usury, which at first is not perceived nor felt, at length grows so much as by degrees to devour another’ s substance."- Leigh

It is evident that what is here said must be understood of accumulated usury, or what we call compound interest only; and accordingly נשך neshech is mentioned with and distinguished from תרביה tarbith and מרביה marbith , interest or simple interest, Lev 25:36, Lev 25:37; Pro 28:8; Eze 18:8, Eze 18:13, Eze 18:17, and Exo 22:12 - Parkhurst

Perhaps usury may be more properly defined unlawful interest, receiving more for the loan of money than it is really worth, and more than the law allows. It is a wise regulation in the laws of England, that if a man be convicted of usury - taking unlawful interest, the bond or security is rendered void, and he forfeits treble the sum borrowed. Against such an oppressive practice the wisdom of God saw it essentially necessary to make a law to prevent a people, who were naturally what our Lord calls the Pharisees, φιλαργυροι, lovers of money, (Luk 16:14), from oppressing each other; and who, notwithstanding the law in the text, practice usury in all places of their dispersion to the present day.

Calvin: Exo 22:25 - -- 25.If thou lend money to any of my people Humanity ought to be very greatly regarded in the matter of loans, especially when a person, being reduced ...

25.If thou lend money to any of my people Humanity ought to be very greatly regarded in the matter of loans, especially when a person, being reduced to extremities, implores a rich man’s compassion; for this is, in. point of fact, the genuine trial of our charity, when, in accordance with Christ’s precept, we lend to those of whom we expect no return. (Luk 6:35.) The question here is not as to usury, as some have falsely thought, 111 as if he commanded us to lend gratuitously, and without any hope of gain; but, since in lending, private advantage is most generally sought, and therefore we neglect the poor; and only lend our money to the rich, from whom we expect some compensation, Christ reminds us that, if we seek to acquire the favor of the rich, we afford in this way no proof of our charity or mercy; and hence lie proposes another sort of liberality, which is plainly gratuitous, in giving assistance to the poor, not only because our loan is a perilous one, but because they cannot make a return in kind.

Before descending to speak of loans, God here adverts to poverty and distress, (Lev 25:35,) whereby men’s minds may be disposed to compassion. If any one be afflicted with poverty, he commands us to relieve his necessity. He makes use, however, of a metaphor, 112 that he who is tottering should be strengthened, as if by catching hold of his hand. What follows about the stranger and sojourner extends and amplifies, in my opinion, the previous sentence; as if it were said that, since humanity is not to be denied even to strangers, much more is assistance to be given to their brethren. For, when it pleased God that strangers should be permitted to inhabit the land, they were to be kindly treated 113 according to the rights of hospitality; for to allow them to live is to make their condition just and tolerable. And thus God indirectly implies, that such unhappy persons are expelled and driven away, so as not to live, if they are oppressed by unjust burdens. This, then, is the sum of the first sentence, that the rich, who has the ability, should uplift the poor man who is failing, by his assistance, or should strengthen the tottering.

A precept is added as to lending without interest, which, although it is a political law, still depends on the rule of charity; inasmuch as it can scarcely happen but that the poor should be entirely drained by the exaction of interest, and that their blood should be almost sucked away. Nor had God any other object in view, except that mutual and brotherly affection should prevail amongst the Israelites. It is plain that this was a part of the Jewish polity, because it was lawful to lend at interest to the Gentiles, which distinction the spiritual law does not admit. The judicial law, however, which God prescribed to His ancient people, is only so far abrogated as that what charity dictates should remain, i. e. , that our brethren, who need our assistance, are not to be treated harshly. Moreover, since the wall of partition, which formerly separated Jew and Gentile, is now broken down, our condition is now different; and consequently we must spare all without exception, both as regards taking interest, and any other mode of extortion; and equity is to be observed even towards strangers. “The household of faith.” indeed, holds the first rank, since Paul commands us specially to do good to them, (Gal 6:10;) still the common society of the human race demands that we should not seek to grow rich by the loss of others.

As touching the political law, no wonder that God should have permitted His people to receive interest, from the Gentiles, since otherwise a just reciprocity would not have been preserved, without which one party must needs be injured. God commands His people not to practice usury, and still lays the Jews alone, and not foreign nations, under the obligation of this law. In order, therefore, that equality ( ratio analogica) might be preserved, He accords 114 the same liberty to His people which the Gentiles would assume for themselves; for this is the only intercourse that can be endured, when the condition of both parties is similar and equal. For when Plato 115 asserts that usurers are not to be tolerated in a well-ordered republic, lie does not go further than to enjoin, that its citizens should abstain from that base and. dishonest traffic between each other.

The question now is, whether usury is evil in itself; and surely that which heathens even have detested appears to be by no means lawful to the children of God. We know that the name of usurer has everywhere and always been infamous and detested. Thus Cato, 116 desiring to commend agriculture, says that thieves were formerly condemned to a fine of double, and usurers quadruple; from which he infers, that the latter were deemed the worst. And when asked what he thought of usury, he replied, “What do I think of killing a man?” whereby he wished to show, that it was as improper to make money by usury as to commit murder. This was the swing of one private individual, yet it is derived from the opinions of almost all nations and persons. And assuredly from this cause great tumults often arose at Rome, and fatal contentions were awakened between the common people and the rich; since it can hardly be but that usurers suck men’s blood like leeches. But if we come to an accurate decision as to the thing itself, our determination must be derived from nowhere else than the universal rule of justice, and especially from the declaration of Christ, on which hang the law and the prophets, — Do not unto others what ye would not have done to thyself. ( Mat 7:12.) For crafty men are for ever inventing some little subterfuge or other to deceive God. Thus, when all men detested the word foenus, another was substituted, which might avoid unpopularity under an honest pretext; for they called it usury, as being a compensation for the loss a man had incurred by losing the use of his money. But 117 there is no description of foenus to which this specious name may not be extended; for whosoever has any ready money, and is about to lend it, he will allege that it would be profitable to himself if he were to purchase 118 something with it, and that at every moment opportunities of gain are presenting themselves. Thus there will be always ground for his seeking compensation, since no creditor could ever lend money without loss to himself. Thus usury, 119 since the word is equivalent to foenus, is but a covering for an odious practice, as if such glosses would deliver us in God’s judgment, where nothing but absolute integrity can avail for our defense. There was almost a similar mode of subterfuge among the Israelites. The name נש5 , neschec, which is derived from biting, sounded badly; since then no one chose to be likened to a hungry dog, who fed himself by biting others, some escape from the reproach was sought; and they called whatever gain they received beyond the capital, תרבית , therbith, as being an increase. But God, in order to prevent such deception, unites the two words, ( Lev 25:36,) and condemns the increase as well as the biting. For, where He complains of their unjust modes of spoiling and thieving in Ezekiel, 120 and uses both words as He does here by Moses, there is no doubt but that He designedly cuts off their empty excuses. ( Eze 18:13.) Lest any, therefore, should reply, that although he derived advantage from his money, he was not on that account guilty of usury, God at once removes this pretense, and condemns in general any addition to the principal. Assuredly both passages clearly show that those who invent new words in excuse of evil, do nothing but vainly trifle. I have, then, admonished men that the fact itself is simply to be considered, that all unjust gains are ever displeasing to God, whatever color we endeavor to give to it. But if we would form an equitable judgment, reason does not suffer us to admit that all usury is to be condemned without exception. If the debtor have protracted the time by false pretences to the loss and inconvenience of his creditor, will it be consistent that he should reap advantage from his bad faith and broken promises? Certainly no one, I think, will deny that usury ought to be paid to the creditor in addition to the principal, to compensate his loss. 121 If any rich and monied man, wishing to buy a piece of land, should borrow some part of the sum required of another, may not he who lends the money receive some part of the revenues of the farm until the principal shall be repaid? Many such cases daily occur in which, as far as equity is concerned, usury is no worse than purchase. Nor will that subtle argument 122 of Aristotle avail, that usury is unnatural, because money is barren and does not beget money; for such a cheat as I have spoken of, might make much profit by trading with another man’s money, and the purchaser of the farm might in the meantime reap and gather his vintage. But those who think differently, may object, that we must abide by God’s judgment, when He generally prohibits all usury to His people. I reply, that the question is only as to the poor, and consequently, if we have to do with the rich, that usury is freely permitted; because the Lawgiver, in alluding to one thing, seems not to condemn another, concerning which He is silent. If again they object that usurers are absolutely condemned by David and Ezekiel, ( Psa 15:5; Eze 18:13,) I think that their declarations ought to be judged of by the rule of charity; and therefore that only those unjust exactions are condemned whereby the creditor, losing’ sight of equity, burdens and oppresses his debtor. I should, indeed, be unwilling to take usury under my patronage, and I wish the name itself were banished from the world; but I do not dare to pronounce upon so important a point more than God’s words convey. It is abundantly clear that the ancient people were prohibited from usury, but we must needs confess that this was a part of their political constitution. Hence it follows, that usury is not now unlawful, except in so far as it contravenes equity and brotherly union. Let each one, then, place himself before God’s judgment-seat, and not do to his neighbor what he would not have done to himself, from whence a sure and infallible decision may be come to. To exercise the trade of usury, since heathen writers accounted it amongst disgraceful and base modes of gain, is much less tolerable among the children of God; but in what cases, and how far it may be lawful to receive usury upon loans, the law of equity will better prescribe than any lengthened discussions.

Let us now examine the words. In the first place, where we have translated the words, “Thou shalt not be to him as a usurer,” 123 there is some ambiguity in the Hebrew word נש5 , nashac, for it is sometimes used generally for to lend, without any ill meaning; but here it is undoubtedly applied to a usurer, who bites the poor; as also in Psa 109:11, “Let the usurer catch all that he hath.” 124 The sum is, that the poor are to be liberally aided, and not to be oppressed by harsh exactions: and therefore immediately afterwards it is added, “neither shalt thou lay upon him usury.” When again He repeats, “And if thy brother be waxen poor,” etc., we see that reference is everywhere made to the poor; because, although sometimes those who possess large properties are ruined by usury, (as Cicero says that certain luxurious and prodigal persons ill his days contended against usury with the fruits of their farms, because their creditors swallowed up the whole produce; 125) still the poor alone, who had been compelled to borrow by want, and not by luxury, were worthy of compassion.

The third passage, however, admirably explains the meaning of God, since it extends usury to corn and wine, and all other articles. For many contracts were invented by artful men, whereby they pillaged the needy without ignominy or disgrace: and now-a-days no rapacity is more cruel than that which imposes a payment upon debtors, without any mention of usury; for instance, if a poor man should ask the loan of six measures of wheat, the creditor will require seven to be repaid; or if the same thing should happen as regards wine. This profit will not be called usury, because no money will pass; but God, indirectly casting ridicule upon their craftiness, shows that this plague of usury 126 extends itself to various things, and to almost all sorts of traffic; whence it clearly appears that nothing else is prescribed to the Israelites, but that they should humanely assist each other. But, since cupidity blinds men, and carries them, aside to dishonest dealings, God sets His blessing in opposition to all such iniquitous arts, whereby they hawk, as it were, for gain; and commands them to look for riches rather to Him the author of all good things, than to hunt for them by rapine and fraud.

TSK: Exo 22:25 - -- Lev 25:35-37; Deu 23:19, Deu 23:20; 2Ki 4:1, 2Ki 4:7; Neh 5:2-5, Neh 5:7, Neh 5:10, Neh 5:11; Psa 15:5; Pro 28:8; Jer 15:10; Eze 18:8, Eze 18:17; Mat ...

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Commentary -- Word/Phrase Notes (per Verse)

Barnes: Exo 22:25 - -- See the notes at Lev 25:35-43; compare Deu 23:19.

See the notes at Lev 25:35-43; compare Deu 23:19.

Poole: Exo 22:25 - -- Any of my people i.e. any Israelite; for it was permitted to take usury of the Gentiles, Deu 23:20 . That is poor: this seems to be added not by wa...

Any of my people i.e. any Israelite; for it was permitted to take usury of the Gentiles, Deu 23:20 .

That is poor: this seems to be added not by way of apposition, as if God’ s people and the poor were all one, because such are commonly poor; but by way of restriction; for God had promised greatly to bless and enrich the generality of his people, if they by their wickedness did not hinder it, and that there should be few poor among them; yet some such there should be for the trial and exercise of their charity. See Lev 19:10 Deu 15:4,7,11 .

Usury the Hebrew word signifies biting ; so usury is called, not by way of distinction, as if moderate usury were allowed in this case, which is manifestly false, because the borrower is here supposed to be poor, to whom not the use only, but ofttimes even the principal is to be remitted, Luk 6:34,35 ; but by way of explication, because all usury is of a biting or eating nature, which commonly consumes the person that pays it.

Haydock: Exo 22:25 - -- Poor. Such are often most in want. Usury is not lawful, even with respect to the rich. The Hebrew terms it a bite. (Menochius) --- "What is us...

Poor. Such are often most in want. Usury is not lawful, even with respect to the rich. The Hebrew terms it a bite. (Menochius) ---

"What is usury, said Cato, but to kill a man." The Romans required thieves to restore double, but usurers were to render four times as much as they had taken. (Varro Rustic. i.) ---

Restitution is prescribed, 2 Esdras v. 11. Some Calvinists have stood up in its defence, in opposition to the Scriptures, fathers, and Councils of the Catholic Church. Lend, hoping to gain nothing by it, Luke vi. 35. "Let him who loves money,.…lend (in the persons of the poor) to Him who says, Give, and it shall be given to you. " (St. Leo, ser.) The Jews themselves have reprobated usury in any use. (Calmet)

Gill: Exo 22:25 - -- If thou lend money to any of my people that is poor by thee, Such only need to borrow money, and to whom it should be freely lent, when it may be to ...

If thou lend money to any of my people that is poor by thee, Such only need to borrow money, and to whom it should be freely lent, when it may be to the good of the borrower, and not any injury to the lender: this law, according to the Jewish writers, only respects Israelites, and not Gentiles; agreeably to which is Jarchi's note,"if thou lend, that is, not to a Gentile; and to which of my people? the poor, and to which of the poor? that is with thee:"

thou shalt not be to him as an usurer; that will not lend without usury, nor without an exorbitant interest, and deals very hardly with the borrower if he is not punctual in the payment of it; the Israelites were not only not to be usurers, but they were not to be like them; they were not to require anything for lending a poor man a little money; as not any settled interest, so neither were they to take any previous gift or reward later, see Luk 6:34.

neither shalt thou lay upon him usury; or oblige him to give interest for money borrowed: it is in the plural, number, "neither shall ye lay"; and Aben Ezra observes, that the lender, scribe, and witness, all transgress this law; that is, when a man lends money on interest, and a bond is made by the scribe for it, and this signed by witnesses, all are guilty of the breach of it: yea, some Jewish writers h say, not only those, but whoever is a surety or bondsman for the payment, and even the borrower himself; see Gill on Psa 15:5.

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Commentary -- Verse Notes / Footnotes

NET Notes: Exo 22:25 In ancient times money was lent primarily for poverty and not for commercial ventures (H. Gamoran, “The Biblical Law against Loans on Interest,&...

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Commentary -- Verse Range Notes

TSK Synopsis: Exo 22:1-31 - --1 Of theft.5 Of damage.7 Of trespasses.14 Of borrowing.16 Of fornication.18 Of witchcraft.19 Of bestiality.20 Of idolatry.21 Of strangers, widows, and...

MHCC: Exo 22:1-31 - --The people of God should ever be ready to show mildness and mercy, according to the spirit of these laws. We must answer to God, not only for what we ...

Matthew Henry: Exo 22:25-31 - -- Here is, I. A law against extortion in lending. 1. They must not receive use for money from any that borrowed for necessity (Exo 22:25), as in that ...

Keil-Delitzsch: Exo 22:25-27 - -- If a man should lend to one of the poor of his own people, he was not to oppress him by demanding interest; and if he gave his upper garment as a pl...

Constable: Exo 15:22--Lev 1:1 - --II. THE ADOPTION OF ISRAEL 15:22--40:38 The second major section of Exodus records the events associated with Go...

Constable: Exo 19:1--24:12 - --B. The establishment of the Mosaic Covenant 19:1-24:11 The Lord had liberated Israel from bondage in Egy...

Constable: Exo 20:22--24:1 - --4. The stipulations of the Book of the Covenant 20:22-23:33 Israel's "Bill of Rights" begins her...

Constable: Exo 21:1--23:13 - --The fundamental rights of the Israelites 21:1-23:12 It is very important to note that va...

Constable: Exo 22:16-31 - --Crimes against society 22:16-31 22:16-17 Next we have a case of seduction. Here the girl is viewed as the property of her father. If a young couple ha...

Guzik: Exo 22:1-31 - --Exodus 22 - More Laws to Direct Judges A. Laws regarding personal property and restitution. 1. (1-4) Restitution required in cases of theft. "...

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Introduction / Outline

JFB: Exodus (Book Introduction) EXODUS, a "going forth," derives its name from its being occupied principally with a relation of the departure of the Israelites from Egypt, and the i...

JFB: Exodus (Outline) INCREASE OF THE ISRAELITES. (Exo. 1:1-22) BIRTH AND PRESERVATION OF MOSES. (Exo 2:1-10) there went a man of the house of Levi, &c. Amram was the hus...

TSK: Exodus (Book Introduction) The title of this Book is derived from the Septuagint; in which it is called ΕΞΟΔΟΣ , " Exodus;" or, as it is in the Codex Alexandrinus, Ε...

TSK: Exodus 22 (Chapter Introduction) Overview Exo 22:1, Of theft; Exo 22:5, Of damage; Exo 22:7, Of trespasses; Exo 22:14, Of borrowing; Exo 22:16, Of fornication; Exo 22:18, Of witch...

Poole: Exodus (Book Introduction) SECOND BOOK OF MOSES CALLED EXODUS. THE ARGUMENT. AFTER the death of Joseph, who had sent for his father’ s house into Egypt, the children o...

Poole: Exodus 22 (Chapter Introduction) CHAPTER 22 Of theft, Exo 22:1-4 . Of eating another man’ s vineyard, Exo 2:5 Of hurt coming by fire, Exo 22:6 . Of hurt coming to goods commi...

MHCC: Exodus (Book Introduction) The Book of Exodus relates the forming of the children of Israel into a church and a nation. We have hitherto seen true religion shown in domestic lif...

MHCC: Exodus 22 (Chapter Introduction) Judicial laws.

Matthew Henry: Exodus (Book Introduction) An Exposition, with Practical Observations, of The Second Book of Moses, Called Exodus Moses (the servant of the Lord in writing for him as well as ...

Matthew Henry: Exodus 22 (Chapter Introduction) The laws of this chapter relate, I. To the eighth commandment, concerning theft (Exo 22:1-4), trespass by cattle (Exo 22:5), damage by fire (Exo 2...

Constable: Exodus (Book Introduction) Introduction Title The Hebrew title of this book (we'elleh shemot) originated from the...

Constable: Exodus (Outline) Outline I. The liberation of Israel 1:1-15:21 A. God's preparation of Israel and Moses chs. ...

Constable: Exodus Exodus Bibliography Adams, Dwayne H. "The Building Program that Works (Exodus 25:4--36:7 [31:1-11])." Exegesis ...

Haydock: Exodus (Book Introduction) THE BOOK OF EXODUS. INTRODUCTION. The second Book of Moses is called Exodus from the Greek word Exodos, which signifies going out; becaus...

Gill: Exodus (Book Introduction) INTRODUCTION TO EXODUS This book is called by the Jews Veelleh Shemoth, from the first words with which it begins, and sometimes Sepher Shemoth, an...

Gill: Exodus 22 (Chapter Introduction) INTRODUCTION TO EXODUS 22 This chapter contains various laws concerning theft, Exo 22:1, concerning damage done to fields and vineyards by beasts, ...

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