Latest / SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day! / Yoreh De’ah 159:1-160:5. Interest, Ribis: Lending With interest to a Non-Jew, Heretic, Kutim, Karaites, Tinok Shenishba, Non-Religious, a Gift, Borrower Forgiving

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Yoreh De’ah 159:1-160:5. Interest, Ribis: Lending With interest to a Non-Jew, Heretic, Kutim, Karaites, Tinok Shenishba, Non-Religious, a Gift, Borrower Forgiving · SHULCHAN ARUCH YOMI: Own the Halacha in 25 minutes a day!

• 0:05
  Good morning. We are this is a sham starting
• 0:10
  with us Ribis start again from the beginning just to make it a
• 0:14
  clean, clean start. Semi Kouston Tess Dvaratera
• 0:19
  multi lahavas of the Kochavan Dratara.
• 0:23
  It's motor to land to, to to a non Juba ribis.
• 0:28
  The Mahocus Richard name. Is it a mitzvah, A hiev, A
• 0:33
  mitzvah or just a Hatter? The Rumban says it's just a
• 0:40
  Hatter. The round bomb says it's a
• 0:43
  mitzvah, that it's unclear in the round bomb whether it is,
• 0:47
  whether whether it's a mitzvah, whether it's a mitzvah or a
• 0:52
  hive. It's a hive.
• 0:55
  Some say it's a name that they give him a free loan.
• 1:00
  It's like Los Sujanes. And so therefore, if that's the
• 1:02
  case, then you know, if you if you recognize it, if you're
• 1:05
  mocking him, then it would be OK.
• 1:07
  It would say it would be OK if you if you give him a give him a
• 1:10
  free loan. Other people learn their learn,
• 1:14
  learn the learn the Ramba. I think they're in balance.
• 1:16
  The Rambam that it's a few gamor that's right, that it's that's
• 1:21
  no, there's a big disaster. I think learns that it's a
• 1:23
  mitzvah. So it's just a mitzvah armor
• 1:26
  that of the but you're not you know, but you're not hive to the
• 1:32
  portion of the Mohabbar is mutter lahalvos, not
• 1:36
  mitzvahalvos. So it seems to be going like not
• 1:40
  not like the Rambam, but the in low if it's not, you know, fish.
• 1:48
  The issue is that you might come to learn from there, you know,
• 1:53
  get close to them and learn from them.
• 1:55
  So or or is not going to learn from them or rivers to Rabbanum
• 1:59
  or rivers to Rabbanum. We're not.
• 2:01
  So we're going to see there. I'll just speak a little couple
• 2:05
  column and rivers suit service the rices of suits, meaning that
• 2:10
  I give you, you know, is that I'll land, I'll lend, you know,
• 2:15
  100 and you're I'll you know, and you're going to give me back
• 2:18
  200 simple as sort of suits be there.
• 2:21
  Isa. It's planned.
• 2:22
  It it it's the it's the loan is planned like that.
• 2:30
  And that's sort of rivers there Isa a general discussion about
• 2:36
  what the reason what what the smart or the smart a little bit
• 2:39
  of smart over here that the Kashmul time client Salvatrix
• 2:47
  says that it's it's it's an idea of of it's this is part of the
• 2:53
  loan. You know, if this is this is
• 2:55
  something that it's it's it's something which is a it's part
• 3:01
  of the actual deal of the loan. The Rashba in different places.
• 3:06
  I don't know who says it in the Rashba says it's an idea of
• 3:10
  spirits that you're renting his money.
• 3:13
  You know, you're it's the idea of, well, you're using my money
• 3:15
  for a certain amount of time, so you're renting my money.
• 3:18
  So you have to go ahead and pay me for that for you're renting
• 3:22
  it, the use of it. So it's two different
• 3:26
  understandings. They're not convenience.
• 3:27
  I don't remember. As we go through, we'll keep
• 3:31
  that in mind. No, rib is oh, rib.
• 3:32
  Is there a button on rib? Is there a button is generally,
• 3:37
  but there are a few different bunch of the different ribbon.
• 3:41
  Those are the ones we are normally interact with.
• 3:44
  Well, one basic case is Derek Mecca homem card that if you're
• 3:49
  and you're buying and selling things and you and you and you
• 3:52
  and you let them have things on credit and then the you know,
• 3:57
  the price goes up and you give it back or things like that or,
• 4:00
  you know, that's ribbon in the motor.
• 4:06
  Behold Indian and we pass in nowadays it's motor because
• 4:09
  anyway, you're doing business withholding in the Ramos says.
• 4:14
  And so therefore, there's no there's no issues nowadays.
• 4:19
  The interesting side point just to even the creative that he
• 4:27
  does brings interesting is someone brings Araya discussion
• 4:34
  about Yoram. He says that the Vaja Valja da
• 4:38
  via Vaja. One of the things he borrowed
• 4:40
  money Beribius from Yoram and Yoram to support the support
• 4:46
  from Naveen. That's what says his widow.
• 4:49
  You know Almada. That's why Alicia came.
• 4:51
  He didn't she she couldn't pay it back because it kept them the
• 4:55
  Ribius kept them rising. So that's why he the whole
• 4:58
  miracle with the oil. So so yes, this is Ivan wasn't
• 5:05
  you know, wasn't your wasn't your Magoy.
• 5:07
  His mother was Ezevo, and then Ezevo didn't seem to be the most
• 5:12
  the best Chioris. So so he brings a right from
• 5:16
  there. That's Mucher Lahalvos is mucher
• 5:19
  to borrow money from Magoy to Ribis if you need to.
• 5:24
  But he does says that he does is the question about it.
• 5:28
  He says his Raya's Argaraya cause thesis in Vorozaro says
• 5:32
  that urine was the cause of Nisra al Mumur and so there and
• 5:36
  the reason why Avaja was supposed to to borrow from him
• 5:39
  was because of Koch Nafesh. So there's a bit of a discussion
• 5:43
  about whether you'd be allowed if Stan be allowed to go ahead
• 5:46
  and take loans from agora. I think the general we'll see
• 5:50
  that we'll see what the halacha is, but it's just not an
• 5:53
  interesting, it's not an interesting side point about the
• 5:59
  about the interaquerity about the about ribis.
• 6:03
  Sidbaye's mumur multer la havois of a ribis and mumur is is it's
• 6:08
  permitted to lend him the ribis, but also allows a man of a
• 6:13
  ribis. It's also to borrow from him
• 6:15
  from ribis. Now the question is why it's
• 6:19
  it's motor because they didn't have more reading, right, Just
• 6:22
  like we had just had the dinner of more reading.
• 6:24
  So Ribis is the same type of idea.
• 6:27
  It's serious enough to call it Meridian.
• 6:30
  It's the posit says and says that you get you learn someone
• 6:35
  Beribius, you're going ahead and destroying his life or it has
• 6:38
  the potential to destroy his life.
• 6:40
  As you know, people fall into debt and you know, we know, you
• 6:42
  know, it's it's a it's a it's a thing.
• 6:45
  And so therefore it's both. And so for Mummer, who's
• 6:50
  supposed to do Meridian and smoother to the Habos and
• 6:52
  Beribius because you're not Mitsuva say some set of because
• 6:59
  it says and a mummer. Mummer really doesn't have the
• 7:07
  dinner of Akifa. He has have a shame of it's only
• 7:11
  a bunch of whatever. However, it's also allows him to
• 7:15
  be Rebus because he's still a Jew and that's very you can't be
• 7:18
  over on this day either to Marshall him in in it's a Rebus.
• 7:22
  There's a general discussion about the liver.
• 7:25
  What's what's the issue of a liver to pay back Rebus?
• 7:29
  Is it like a is it? Is it a it's also for a Liva to
• 7:35
  pay Rebus or is it or is that it's just it's consure to the
• 7:38
  it's it's it's depends on the it's consure to the insert of
• 7:42
  the mall there that you're you're you're you are.
• 7:46
  You are Halek of his insert of lending by paying him back
• 7:49
  ribbies. You are just like we'll see
• 7:52
  later on that Adium and all these things are all.
• 7:55
  It's also for him to be involved in the transaction.
• 7:57
  You're also involved in the transaction by paying him back
• 8:00
  like Lopani over here. It's a it's definitely a the
• 8:03
  reason it's ulcers clearly because of the of of this Navy
• 8:06
  there Gavish Mahmirin after some say it's still also to to to
• 8:13
  lend them to the hacker and some say it's the hack mayor and also
• 8:22
  because it's he he has a shame. He he has a he's still the
• 8:25
  Israel and fully Israel. Therefore you should not he's
• 8:31
  not used to be a call. Therefore, it would be it would
• 8:34
  still be it would still be ulcer and I'm all says, therefore, you
• 8:37
  should you should be careful not to go ahead and lend to them.
• 8:40
  That's we're going to head to risk as much later on.
• 8:42
  But the Kopani doesn't especially here and there.
• 8:44
  It's as well doesn't we doesn't make a difference.
• 8:48
  You know, whoever you're lending to you should still miss a
• 8:50
  ribbons. You know Kusini Ishalam didn't
• 8:55
  No, no, because here it's OK. It's the main Childs are from
• 9:00
  going and throughout the Doris is about going air to swell and
• 9:04
  until and so therefore witness actually wasn't so learned so so
• 9:09
  strong because it's like, you know, basically, you know,
• 9:14
  whatever that but modern modern day with, you know, living in
• 9:20
  living with now we're doing dealing with business with other
• 9:23
  Jews. Jews are not from on a regular
• 9:25
  basis here here to swell. So therefore, if they're not
• 9:28
  from not this whatever, therefore you have to misiakage
• 9:31
  a lot to so say here and there to sell.
• 9:33
  It's it's still awesome. You know, you say, ah, he's a
• 9:35
  mummer. He's not from he's this whatever
• 9:38
  you want to call according to the rumor, he's still, you know,
• 9:41
  any transaction, you're a banker.
• 9:42
  You're this has to be done with has to be done with the
• 9:47
  guidelines of Ribbus Gilmo Kusini Ishalamdin Boomer levels
• 9:51
  Kuhavi here we're talking with the actual Kusim.
• 9:56
  They have a din of a mumer levels Kuhavim a Karayim Anlehem
• 10:01
  didn't mumrim. They don't have a din of of
• 10:03
  mumrim. They're also the voice of the
• 10:06
  Rebus. It's also to lend the money to
• 10:09
  the Rebus. The ain't also lavish also Lavos
• 10:12
  mahem Baribus. It's also, to borrow from them,
• 10:15
  the Rebus. Again, we're talking about the
• 10:18
  Karayim which are, which were from the time of the Rambam,
• 10:24
  which were a whole different sect and they're like the
• 10:26
  Stucchem and the whole question. Nowadays there's no Quran.
• 10:32
  Even if you heard of the Quran sect, apparently that the last
• 10:35
  actual Karan wiped out the those in the Crimea and they were
• 10:39
  killed in the Holocaust. The Nazis killed them.
• 10:42
  So they're like the nowadays. It's just they're not the real
• 10:45
  Koroi man, unless they're a few stragglers.
• 10:47
  Whatever the people in charge or not.
• 10:48
  It's just a weird cult. It's not it's not the actual
• 10:51
  Koroi that we're talking about over here, but we could talk
• 10:54
  about the similar thing is the Koroi is is is is used to also,
• 10:58
  you know, talk about people who didn't keep Torah missiles and
• 11:01
  their children and how do you miss the office to them?
• 11:04
  So therefore the din also so the the din would apply by that
• 11:07
  Hagava Ayan le comma. I in layers have designed
• 11:11
  Kukaftao din anusim. How do you done?
• 11:14
  How do you, you know, understand the dinner of Anusim with Tina
• 11:18
  Shinishba, the Ben of the Kukhovi and Tina Shinishba and
• 11:23
  he doesn't know anything about Thoris Israel Claude Dino
• 11:25
  Kukhoim is the same thing as a Koroim, but also the Havas of
• 11:29
  Arribis because you know, and you and you know he's Jewish,
• 11:32
  right? If he was, you know, you know,
• 11:34
  if you have to have proper useless of his mother, his
• 11:37
  mother, I don't know whatever, but I'll call Panim.
• 11:41
  He's called a teenage Chenishba and therefore it's answer to
• 11:48
  London Arabia. So the Haim Muteris mumeris as
• 11:53
  what it should be woman who became a change to a different
• 11:58
  religion and she has a son from Mary decoy Shahaban Harahu
• 12:03
  Kamoya, that he is Jewish. The Nikra Mummer, he's called a
• 12:08
  mummer also the Havaslo Baribis, it's also to lend him money
• 12:13
  Baribis, the Havocutina Shanishva, we know it's the same
• 12:17
  dinners like Shanishva, even though his father is not Jewish,
• 12:22
  he's still considered Jewish and therefore it's still it's still
• 12:25
  forbidden to to land him. One of the fiduciary over here
• 12:29
  is also we don't have to be that maybe you know that maybe you
• 12:33
  know that that that that we know that we can summit on her that
• 12:40
  it's it's her son and and therefore right.
• 12:50
  So like there was please go to Rabaz, who says he could take a
• 12:52
  sveka in Ben mumerzahu Mina ovskovim omumeris then muto la
• 13:01
  Havas verbius. It is a Suffolk.
• 13:03
  Let's say there's a mummer Mishuma who is married to, you
• 13:07
  know, he's married to Mishumedes, but there's a
• 13:09
  Suffolk about the parentage of the kid, about whether you know,
• 13:13
  whether he had another wife or whether he, whatever the case
• 13:16
  may be, says if there's a Suffolk.
• 13:19
  So then so then the he paskins that then you will be allowed to
• 13:23
  go ahead and lend the money with Rivas Fine Khusana, I'm going to
• 13:32
  start getting into the actual Hilfis Ribis olive.
• 13:36
  Sorry, Lazar be ribis. You have to we have to be very
• 13:39
  careful. If it was ribis a common lobby,
• 13:41
  never bone. There's many lobby which you
• 13:43
  mentioned feel hello. Even Hanois, not even the Liva
• 13:48
  who's giving the money, the RA and the RA via Aiden or even
• 13:53
  anyone who's involved in you go to a bank without a anteriska
• 13:57
  and you've signed on a loan. That's the person's over is over
• 14:00
  on a lav of of its erebius. And so therefore person should
• 14:04
  be has to be careful with that. There's no killer between
• 14:10
  whether you lend to an Oni or an usher.
• 14:16
  You still it's still over on a lav how the leyva ova daft could
• 14:21
  be ribis derisa. The lobe is only over the ribis
• 14:26
  derisa, ribis Durabanon and oeva elimination with naiver, but
• 14:30
  ribis durabanon he's only over because of loose naiver.
• 14:34
  So Lova has 2 has 2 Easter. He's over a lava of ribis in
• 14:39
  general and a lava if it's just this is Durabanon.
• 14:45
  So it's only it's only an isser. I was listening.
• 14:49
  I was listening either call, call Hanois saying call Hanois
• 15:01
  in the Rebus. Nahasov explained him.
• 15:03
  Anyone who learns the Rebus, he's not going to make money is
• 15:06
  Nahasim. Instead, he's only punished that
• 15:08
  his is Nahasim are going to fall apart.
• 15:11
  We're going to get lessened cough of a TSV trying it's
• 15:16
  Keeler who's Kaifen you'd see it's trying Obelo K Israel.
• 15:20
  It says any Hashem in the so came it's very strong iser 1 of
• 15:24
  the time. I I remember I I think that one
• 15:26
  of the reasons it's the time of the crowd a little bit why it's
• 15:29
  so it's so such a strong iser is that it's it's it shows a
• 15:35
  complete 100% lack of be tough on because a person you know,
• 15:39
  everything, every every business still has a bit of risk to it.
• 15:42
  So a certain amount of be tough on a person has or can have the
• 15:46
  that it should go through the Ribis is I have money and my
• 15:49
  money makes money. There's no, there's no and we'll
• 15:52
  see about this as we go along that if there's no potential
• 15:57
  loss by Ribis, if he doesn't pay back, but assuming he pays back,
• 16:01
  there's no potential loss by Ribis.
• 16:02
  It's complete. It's complete 100% Revah.
• 16:05
  So therefore, it's sort of kilu cutting out of the picture that
• 16:11
  you know that he's not he he you know that that you know that I I
• 16:16
  I have complete faith in my own money, in my own self.
• 16:20
  It's not and, and it's, it's, you know, it shows that he has
• 16:25
  no, he has no time of the crowd. A little bit.
• 16:31
  You'll see later on that there are issues of Ribis through a
• 16:35
  bottom where, where there is a, where one side, it has to, it
• 16:39
  has to be a, you know, if there's a, you know, if there's
• 16:42
  a point where there's only a little bit of risk, then it's
• 16:45
  called ribis where there's a lot of risk.
• 16:47
  It's not, we'll get into that much later.
• 16:49
  You know, the different types of types of deals.
• 16:53
  So therefore the IT you know the that does make a difference in
• 16:57
  the definition of of Ribis. That as as a lotion the lotion
• 17:08
  brings in the brace the brace in Indonesia.
• 17:11
  She was seeming motors what has been receiving motion being a
• 17:14
  hot home with the Russell Ms. Elu Elu Yoda.
• 17:20
  If motion new she revved up with over the hire closely.
• 17:24
  The lotion is is that if motion being a new how much money you
• 17:27
  can make off of Alpha rubies. He wanted to have written such a
• 17:30
  thing. It's the same it's it's a
• 17:34
  certain idea. So that that's the fear.
• 17:38
  That's the fear. Yeah, that's the fear.
• 17:43
  He does. I'm not just lending up the guys
• 17:46
  money. The marvel somebody from someone
• 17:49
  who lies and stuff. You know, whatever it says, he's
• 17:54
  going to turn his face towards him and and it's very, very it's
• 17:58
  a very Homoordan, but also because it says it's like a
• 18:00
  dash, it's like a it. It managed destroys people's
• 18:04
  lives. So that's why it's such a Hummer
• 18:07
  Hummerism, darling. I feel in my life in recently
• 18:10
  recently dietary Bishas Peron. Even if a lover gives extra,
• 18:15
  it's not it's not a deal, but you know, at the end, if you
• 18:17
  like, he gives he throws in a little bit extra Bishasapiro.
• 18:23
  So his e-mail wasn't wasn't mean.
• 18:26
  It wasn't an original part of the original loan.
• 18:30
  Ribis also here he is. I'm very easy from Ribis.
• 18:35
  I'm just gonna it's, you know, it's just a yeah, he has a
• 18:38
  little gift, you know, it's a little extra gift.
• 18:42
  You know, unless it's like we'll get into things, if it's, if
• 18:44
  it's something you normally give a gift to and that you can take
• 18:47
  a discussion and give it to your kids, things like that.
• 18:50
  But the guy who loans the money throws a little bit extra.
• 18:53
  It's also, it's also also Mitra Bonan that, that, you know,
• 19:02
  there's a Suffolk. I think if there's a, if there's
• 19:05
  a, if there's a Suffolk about how much if people don't realize
• 19:09
  how much you don't remember how much you owe, It's better to air
• 19:13
  like a little bit less than than more.
• 19:16
  But I do think that it's I don't think it's vomit or ulcer in
• 19:19
  that case is you're not you're doing it because of Suffolk
• 19:21
  Mama. We're going to get into that.
• 19:23
  You know that it's whether we'll get into a little bit later.
• 19:28
  But there's a Suffolk. I don't think it's ulcer, but I
• 19:31
  think it's better to to to give you know to put to put it.
• 19:37
  You know to put it lower for me. You in law.
• 19:40
  Hi, almost the other there Halva.
• 19:42
  If you didn't get the money there Halva rap there met her
• 19:45
  motor because I got now then it would be motor to go ahead
• 19:49
  'cause this is called ribis mujeres.
• 19:51
  Ribis mujeres on the ginder of banana.
• 19:53
  And so then it's like 00. Then we're not that.
• 19:59
  If he doesn't say that, I'm giving it to you because.
• 20:02
  You know, because he gave me a credit and you know, if he
• 20:05
  doesn't say anything, that's the thing, the Finnish isn't if he
• 20:08
  says it, it's also even still. But if he just said if he
• 20:12
  doesn't say anything, he just throws a little extra in, then
• 20:16
  that's going to be and that that would be OK.
• 20:20
  Hey, I feel you know, Amar Labi Shasta Ki has a ribis.
• 20:23
  I mean, there is still a Cabo Botana also the Cabo the menu
• 20:27
  guy says, listen, I'm not going to give you ribis.
• 20:29
  I'm going to give you a gift right, That's still also to take
• 20:33
  it as about to take it to take it from him in La Cucumena
• 20:37
  Ribis. It's our class 0 low.
• 20:41
  If if he actually took a loan to Ribis and like I said, he's
• 20:46
  tired because it's this is an actual monetary deal and a
• 20:50
  people should miss. But he's actually tired to
• 20:53
  return the money because this was the deal Aquaponium, but
• 20:56
  it's also to do it. No Ellis Machilo Lapatro.
• 21:00
  Come on, Poguezzo and Michaela. It's OK.
• 21:04
  You can be Michael the person. It's supposed to be Michael the
• 21:07
  the the Malva can be Michael the Loyva like any other gazzo that
• 21:13
  I'm sorry, he's allowed to. So the Loyva can can go ahead
• 21:19
  and be Michael Michael the money to the in the mouth, the
• 21:25
  lighter, the lighter can be money for the money.
• 21:27
  Just like any gazo. If he took the money already, he
• 21:29
  can be money for the money just like just like by Exela.
• 21:31
  And the law will give us extra money, right.
• 21:34
  So now the model needs to give it that No, even his no, even
• 21:40
  his no, even if they made it tonight.
• 21:43
  Well, it's gonna this is gonna be discussed later on more in
• 21:46
  detail is just a cloud that that also that the the the idea of
• 21:51
  Ribis is like gazel. The mark Pierce is a gazel
• 21:54
  taking ribis is like a Lakita. He's a gazel.
• 21:57
  He's taking money. He doesn't belong to him.
• 21:59
  So therefore he could still be my the love.
• 22:00
  He can still be Michael Matalama Sahabzir Ribis also even in
• 22:05
  Matalama Sahabzir, my Rebus is still awesome.
• 22:09
  So a person has to be careful never not to give any, not to
• 22:11
  give anything extra because Oh yeah, you know, as a just as an
• 22:16
  extra, he shouldn't toss him to give it.