*****PEREK #5 EIZEHU NESHECH*****
45) [line 24] NESHECH / TARBIS (RIBIS)
(a) It is forbidden to lend money with interest (Shemos 22:24, Vayikra 25:36, Devarim 23:20). Even if interest is charged conditionally, and it is eventually not collected, the transaction is prohibited mid'Oraisa according to some Tana'im. It is also forbidden to take money in order to allow the borrower more time to complete the payment of the loan. (Such payment is known as "Agar Natar.")
(b) The Torah forbids lending with interest only if the rate or amount of interest was fixed at the time that the loan was made. This is called Ribis Ketzutzah. If interest was paid but the amount paid was not fixed at the time of the loan, or if a higher price was paid in a sale in order that the seller should allow the buyer more time to complete his payment for the purchase, it is called Avak Ribis or Ribis d'Rabanan. In addition to these, certain payments that are not actually Ribis mid'Oraisa or mid'Rabanan were prohibited because they have similarities to Ribis. Chazal refer to this as "Ha'aramas Ribis."
46) [line 24] HA'MALVEH SELA B'CHAMISHAH DINERIN - one who lends a Sela (equal to four Dinerim) with the condition that he receive five Dinerim in return (CURRENCY)
(a) Equivalents of coins and amounts used in the Mishnah and Gemara:
1 Sela = 2 Shekalin = 4 Dinerin = 48 Pundeyonin = 96 Isarin
1 Dinar = 6 Ma'in = 12 Pundeyonin = 24 Isarin
1/2 Dinar = Rova (1/4) Shekel = Sela Medinah
1 Me'ah = 2 Pundeyonin
1 Pundeyon = 2 Isarin
1 Isar = 6-8 Perutos (based on Kidushin 12a)
(b) Another name for a Dinar of Kesef is a Zuz. All of the coins listed above are silver except for the Perutos, which are copper. (This is the ruling of most of the Rishonim. According to the ROSH 4:20, even the Pundeyonin and Isarin are copper.)
(c) The word "Shekel," as used in the phrase "Machatzis ha'Shekel," refers to the Shekel that was in use at the time of Moshe Rabeinu, which was equivalent to the "Sela" of the times of the Gemara. Machatzis ha'Shekel is half of a Sela, or two Dinerin. People became accustomed to calling the coin that was valued at half of a Sela, "Shekel," since it was "paid out" ("Shoklim" Oso) in order to fulfill the Mitzvah of Machatzis ha'Shekel each year (RAMBAN to Shemos 30:13). Likewise, the Shekel to which our Gemara refers is worth half of a Sela or two Dinerin.
47) [line 25] MIPNEI SHE'HU NOSHECH - because he bites (taking interest from a borrower is akin to "biting" him, for it diminishes his assets)
48) [line 26] KOR (MEASUREMENTS OF VOLUME)
See Background to Bava Metzia 40:6.
49a) [line 29] RIBIS D'ORAISA - see above, entry #45
b) [line 29] D'RABANAN - see above, entry #45
50) [line 32] OZFEI - he lent to him
51) [line 32] DANKA - a Me'ah, or 1/6th of a Dinar (see above, entry #46)
52) [line 33] KA NACHIS LEI - he is biting him (taking interest from a borrower is akin to "biting" him, for it diminishes his assets)
53) [line 37] CHUMSHA - 1/5th of a Dinar
54) [line 40] "ES KASPECHA LO SITEN LO B'NESHECH UV'MARBIS LO SITEN OCHLECHA" - "You shall not give to him your money with interest, and you shall not give your food for increase." (Vayikra 25:37)
55) [last line] "[LO SASHICH L'ACHICHA,] NESHECH KESEF, NESHESH OCHEL, [NESHECH KOL DAVAR ASHER YISHACH]" - "[You shall not cause your brother to take interest,] interest for money, interest for food, [or interest of any object for which he might take interest]." (Devarim 23:20)
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Index to Background for Maseches Bava Metzia