1. He shows mercy who lends to his neighbor, for he keeps the commandments by strengthening him.
2. Lend to your neighbor in his time of need, and receive it again from your neighbor in his time.
3. Keep your word, and act faithfully with him, and then you will find whatever you need in every time.
4. Many have treated a loan like found money, and they offered trouble to those who helped them.
5. Until they receive, they kiss the hands of the giver, and they humble their voice in promises.
6. But at the time of repayment, they will ask for more time, and they will speak annoying and complaining words, and they will make excuses for the time.
7. Then, if he is able to repay, he will turn away. He will pay barely one half, and he will consider it as if he had found it.
8. But if not, then he will defraud him of his money, and he will have him as an enemy without cause.
9. And he will repay him with accusations and curses, and he will repay him with contempt, instead of with honor and kindness.
10. Many have refused to lend, not because of wickedness, but because they were afraid to be defrauded without cause.
11. Yet truly, be more steadfast toward the humble, and you should not delay in acts of mercy toward them.
12. Assist the poor because of the commandment. And you should not send him away empty because of his dire need.
13. Lose your money to your brother and your friend. For you should not hide it under a stone to be lost.