Ribbit ריבית - Financial Interest

Credibility of a person who lends with interest, as a witness

Credibility of one who lends with interest, in Testifying for the New Month

Poverty as a punishment for lending money for interest: Bava Metzia 69b

Lending money for interest carries multiple prohibitions: Bava Metzia 60b, 70b-71a

On the result and punishment of lending with interest: Succah 29a; Bava Metzia 69b, 70b; Temurah 6b

Poverty as a punishment for lending with interest: Bava Metzia 69b, 70b, 71a

Shabur Malka's taxes are a Divine punishment for those who lend money for interest: Bava Metzia 70b

Comparing lending with interest to murder: Temurah 6b

Guilt rests with lender, borrower, guarantor and witnesses: Bava Metzia 62a, 75b

The scribe's guilt for recording a loan document with ribbit: Bava Metzia 75b

Those who lend money for interest are blind; one would fight to the death if someone called him 'wicked,' but this person brings witnesses, a scribe, ink, quill and ink to write and sign that he denies the Gd of Israel!: Bava Metzia 71a

Those who lend money for interest deny the wisdom of Moshe and the veracity of Torah: Bava Metzia 75b

Liability begins from the moment one evaluates the borrower's property for a lien: Bava Metzia 62a

The interrelationship between prohibitions against lending on interest, stealing, and overcharging: Bava Metzia 61a-b

Hashem warns us: I knew whether an Egyptian child was a firstborn, I will also be able to tell if you lend money on interest through a third-party nochri, if you store your weights in salt, and if you use indigo instead of techelet on your tzitzit: Bava Metzia 61b

Just as murder cannot be reimbursed, so lending on interest cannot be reimbursed: Bava Metzia 61b

Regarding a potential leniency permitting orphans to lend money on interst, Rav Nachman declared: May orphans who eat the property of others go the way of the one who left them behind!: Bava Metzia 70a

Guilt for causing someone to stumble by engaging in a loan with interest: Bava Metzia 75b

The definition of ribbit: Agar Natar Leih - Payment for your patience: Bava Metzia 63b

Verbal ribbit, by giving the lender information: Bava Metzia 75b

Verbal ribbit, by greeting a lender whom one would not ordinarily greet: Bava Metzia 75b [but see Rashi Bava Metzia 73b v'apchi?]

Explaining the terms "neshech" and "tarbit": Bava Metzia 60b

Is a borrower able to claim interest back from the lender, if the two agreed to it from the start: Temurah 6a-b

Ribbit is specifically where the borrower pays more than he received, and the lender receives more than he paid out: Bava Metzia 60b, 69b

May a lender collect the principal of a loan, if the document includes a prohibited ribbit obligation as well: Bava Metzia 72a

A borrower may pay a broker to find a lender, even though he thereby pays more than he receives: Bava Metzia 69b

A lender may accept money from a third party as a reward for lending money, even though he thereby receives more than he lends: Bava Metzia 69b

Lending to a nochri, or borrowing from him, with interest: Bava Metzia 70b, 70b-71a

A rabbinic prohibition against lending to a nochri with interest, or borrowing from him, lest one become accustomed to that society and its practices: Bava Metzia 70b-71a [see Rashi there]

Permitting a talmid chacham to lend to a nochri with interest, or borrow from him with interest, without concern that he might assimilate elements of that society: Bava Metzia 71a

Permitting a pauper to engage in loans with interest with a nochri, for his survival: Bava Metzia 70b-71a

Lending to a ger toshav, or borrowing from him, with interest: Bava Metzia 70b, 71a

The value of refraining from lending to a nochri with interest: Makkot 24a

Permissibility of Torah scholars lending money and items to each other with interest, because they know interest is prohibited and they consider the extra a gift: Bava Metzia 75a

Applying this to loans of food as well as money: Bava Metzia 60b-61a

Lending money/produce to receive more money/produce in return: Bava Metzia 60b

Will courts demand a refund of biblically-prohibited interest: Bava Metzia 61b-62a, 65b

Will courts demand a refund of money paid beyond the stipulated interest: Bava Metzia 65a

When courts demand a refund of ribbit, do they take back objects given as payment or do they take the cash value: Bava Metzia 65a

When courts demand a refund of ribbit, if the lender accepted a service at more than its usual value in payment of the ribbit, do they demand the going rate or the ribbit rate: Bava Metzia 65a

Paying money to buy goods at a low rate for later delivery, then wanting to claim the actual goods when their value increases, and instead taking cash or an equivalent: Bava Metzia 60b, 61b, 62b-63a

Will courts demand a refund of rabbinically-prohibited ribbit: Bava Metzia 61b-62a

Being more lenient in cases which are structured as sales than cases structured as loans: Bava Metzia 63a-b

Buying whatever milk a farmer's goats will produce, or whatever wool his sheep will produce, locking in a low rate now but not specifying how much they must produce: Bava Metzia 64a

Karov l'sachar, rachok l'hefsed - A partnership in which the investor is has very little risk, and will very likely gain: Bava Metzia 64a-b

For a lender to live in a borrower's yard, rent-free: Bava Metzia 64b

For a lender to rent from the borrower at a discount: Bava Metzia 64b

Charging a higher sale price for an item if the purchaser will not pay for a while: Bava Metzia 65a

Produce consumed by a field's purchaser, when it was known that the field's seller never expected to really sell it [it was an asmachta]: Bava Metzia 67a

Lending money and taking a field as collateral, and then letting the original owner rent back the field [so that the lender will be paid back his loan, plus rent] - chachirei narsha'i: Bava Metzia 68a

Borrowing money and identifying their equivalent in produce, and saying that if one doesn't pay on time then one will pay that amount of produce, even if the produce appreciates by then: Bava Metzia 72b

Collection of land isn't considered a payment which may appear to be Interest: Bava Metzia 15a-b

Where a seller repays a purchaser of land for improvements made to the land before it was claimed from him: Bava Metzia 14b

Where the payment is acquired by the lender/seller retroactively to the beginning of the deal: Bava Metzia 15a, 15a-b

Is the borrower able to claim back money which appears like interest, from the lender: Temurah 6a-b

Paying money to a farmer, in order to receive the cash equivalent of produce once the produce come to market [amanah b'damim]: Bava Metzia 63a, 65b

For a lender to live in a borrower's yard, rent-free, in a case where were he not a lender, he could live there rent-free: Bava Metzia 64b-65a

Using the avadim of defaulting debtors: Bava Metzia 64b-65a

Produce consumed by someone who was holding the field as collateral [this is identified as mechzi kiribbit at the top of 68a]: Bava Metzia 67a-b, 67b-68a

Rav's care in arranging a business investment, lest it appear like prohibited ribbit, because of his status as an important person: Bava Metzia 73a

Paying for produce now, in order to get the produce later but take advantage of today's low price [amanah b'peirot]: Bava Metzia 63a-b

Buying produce the farmer does not yet possess [to get today's low price], because the farmer could provide them now by purchasing them elsewhere: Bava Metzia 62b, 63a-64a, 72b

Paying for wine early in the season, and then - at the time of delivery - selecting the wine that remains good rather than wine that becomes vinegar: Bava Metzia 73b

Requiring that the market's "going rate [sha'ar]" be set before one may invest money for future produce, unless the farmer actually possesses produce right now: Bava Metzia 72b, 74a

How far along in processing a material must be - regarding grain, wine, olive oil, pottery and lime - such that we may say that the finished product is already in the possession of the merchant, and one may now register an advance-purchase for it: Bava Metzia 74a

Whether one may invest in future manure, or the farmer must actually have manure now: Bava Metzia 72b, 74a-b

Buying whatever milk the farmer's goats will produce, or whatever wool his sheep will produce, locking in a low rate now and specifying how much they must produce: Bava Metzia 64a

Investing in merchandise to lock in a low rate without paying the actual money, where the buyer has money coming to him from others in the marketplace: Bava Metzia 63b

Investing in produce at a low rate in anticipation that it will cost more later, with the caveat that should the price drop, one would be able to take advantage of the lower price: Bava Metzia 72b

A clever way to attempt to avoid interest prohibitions: Lending someone produce valued at X, and then buying them back for less than X, so that the seller/borrower will eventually pay you back X for your loan of less than X: Bava Metzia 62b

Providing goods to be sold on consignment, with one set of financial terms for the goods that sell quickly and a different set of terms for other goods: Bava Metzia 51b

When providing goods to be sold by a manager on consignment, paying the manager for the incidental costs he incurs, such as hiring wagon-drivers for delivery, separate from his share of the proceeds: Bava Metzia 51b

When providing goods to be sold by a manager on consignment, paying the manager for his time as a worker, separate from his share of the proceeds: Bava Metzia 68a-b

Taking goods from a traveling merchant and offering to sell them and pay him what he would have received for them in his originally intended destination: Bava Metzia 72b-73a

Assigning productive or non-productive livestock/poultry [צאן ברזל] to be raised by a manager, who will receive 50% of the proceeds, with reimbursal for food and time or with indemnification for depreciation [אונסא וזולא]: Bava Metzia 68a, 68b-69a, 69b, 70b; Bechorot 16b

Paying a low rate for wine now, and saying, "If it goes bad before delivery it will be yours; otherwise, it will be mine": Bava Metzia 64a-b

Renting a field or business facility, and borrowing money from the owner to invest in the business itself in return for a higher rent: Bava Metzia 69b-70a

Borrowing an entity, such as a boat or a cow, and taking responsibility to pay its value, or a fixed sum, if it is destroyed: Bava Metzia 69b-70a

Investing in such a way that one will receive a profit, and his partner will have greater exposure to loss (karov l'schar, rachok l'hefsed): Bava Metzia 70a

For orphans to invest in such a way that they will receive a profit, and their partner will have greater exposure to loss (karov l'schar, rachok l'hefsed): Bava Metzia 70a

How much X must pay Y, if Y gave him money to purchase wine and Y failed to do so, and wine is now more expensive: Bava Metzia 73b-74a

Lending a quantity of grain, and receiving the same quantity in return: Bava Metzia 15a, 75a

Lending a quantity of a product, where the borrower already has all or part of the amount needed to repay immediately: Bava Metzia 75a

Lending silver coins, and receiving the same quantity in return: Bava Metzia 45a

Lending gold coins, which might be viewed as commodity rather than currency, and receiving the same quantity in return: Bava Metzia 44b-45a

Should we permit se'ah b'se'ah because the lender doesn't really benefit: Bava Metzia 63b

Fear of interest where one lends a loaf of bread, because there is no set value: Shabbat 148b

Must the interest payment be reimbursed: Bava Metzia 62a-b

Lending one's sharecroppers a measure of wheat to use for seed, as different from lending them a measure of wheat for food: Bava Metzia 74b

Lending a measure of wheat and fixing a value, such that he will pay the lesser of the two in the end: Bava Metzia 74b-75a

Where a seller can exercise a clause allowing him to revoke a deal and demand his merchandise back: Megillah 27b

Giving one's field to a lender during a loan, with [or without] permission for the lender to use the produce before the loan is repaid: Bava Metzia 63a-b

Selling a field to a buyer who pays part upfront, saying that when he pays the rest he will retroactively acquire the field: Bava Metzia 65b, 66b

Making a deal in which a lender will be able to purchase the borrower's collateral for a small sum, which is not equal to the collateral's value, should the borrower default: Bava Metzia 65b

Selling a field and demanding of the buyer that he return them [after having used them in the interim] if the original owner is able to come up with the funds: Bava Metzia 65b

Viewing this law as a lav hanitak la'aseh - a prohibition which can be terminated by a corrective action: Bava Metzia 62a

Lashes for the lender: Bava Metzia 62a

Lashes for the guarantor: Bava Metzia 62a

Must heirs repay money collected by their father as interest: Bava Metzia 62a

Borrowing money where one has the re-payment sum at home, but it is temporarily inaccessible [such as to pay one's workers immediately, in the marketplace]: Bava Metzia 44b, 46a, 75a

Ribit mukdemet - Giving a gift to someone who will eventually extend a loan: Bava Metzia 62b, 75b

Ribit me'ucheret - Giving a gift to someone who has extended a loan in the past: Bava Metzia 62b, 75b

For a group of people to divide portions among themselves unevenly: Shabbat 149b

Interest in a loan to one's children [for educational purposes]: Shabbat 149b; Bava Metzia 75a

Offering a discount for up-front payment [as opposed to a fine for delayed payment]: Bava Metzia 65a

Charging more for a rental if the renter will pay over time: Bava Metzia 65a

Trading work with someone else - "You do X task for me and I will do X task for you," vs. "You do X task for me and I will do Y task for you.": Bava Metzia 75a-b

Being a guarantor for a loan in which a nochri borrows money for a Jew, with ribbit: Bava Metzia 71a-b

Purchasing a loan, with interest, that a nochri borrowed from a Jew: Bava Metzia 71b

Purchasing a loan, with interest, that a Jew borrowed from a nochri: Bava Metzia 71b

Types of "tarsha" sales in which the buyer pays more than an item is currently worth in this location, but the arrangement is nonetheless permitted: Bava Metzia 65a-b, 68a

Extending the time for repayment of a debt: Kiddushin 6b

Interest which the recipient promises to return eventually [ribbit al menat l'hachzir]: Megillah 27b; Bava Metzia 63a

Whether the Beit haMikdash needs to worry about charging interest when they pay suppliers for goods and then the value of the goods increases before delivery: Bava Metzia 57b

Whether the Beit haMikdash needs to worry about charging interest when they lend out non-sanctified building materials: Bava Metzia 57b

Allowing a lender to use a borrower's collateral, without reimbursing him when the loan is repaid: Bava Metzia 62a-b

Lending money and taking a field as collateral, with the understanding that if the borrower hasn't paid by X date, the lender will keep the field: Bava Metzia 65b, 66a-b

Permitting a quasi-interest case in order to remove an obstacle from lending [shelo tinol delet]: Bava Metzia 68a

What happens if a nochri lent money to a Jew with interest, and then converted the principal and interest into a single, principal-only loan before becoming Jewish: Bava Metzia 72a

What happens if a nochri borrowed money from a Jew with interest, and then converted the principal and interest into a single, principal-only loan before becoming Jewish: Bava Metzia 72a

Rav Mari bar Rachel lived in a house he held as collateral from a nochri. The nochri sold it to Rava, who did not charge him rent until the nochri paid off the debt (because had the house remained with the nochri, the nochri could not have removed him without paying the debt), but there was no issue of prohibited interest because the nochri, not Rava, was the debtor: Bava Metzia 73b

Lending bread, without fixing a value, until someone can pay; this is rabbinically prohibited, out of concern that wheat might go up in value by then, resulting in a higher price and therefore ribbit: Bava Metzia 75a



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