How the Torah Envisions the Lender and Borrower Relationship

This post was written for JFLA by Jason Ciment

In Parshat Mishpatim, G-d lays down the rules for lending money. But the Torah’s real concern isn’t economics - it’s power.

“If you lend money to My people... do not act toward them as a creditor. Do not impose interest.” (Exodus 22:24)

Why legislate this? Because borrowers - like children - are vulnerable. They’re in need.

And need creates risk.

So the Torah steps in to say: Don’t use your power to trap the person who depends on you.

Don’t profit from weakness.

Don’t create systems that are easier to enter than to escape.

That message feels especially urgent right now.

Today, the cost of living continues to rise. Businesses are struggling under increased tariffs and operating expenses. Students are sinking deeper into debt just to access education. Families are stretched thin, trying to keep up with housing, healthcare, and basic necessities.

In moments like these, financial systems can easily become predatory. offering short-term relief at long-term cost. Hidden fees. Compounding interest. Fine print that benefits the lender, not the borrower.

Parshat Mishpatim reminds us that this is not the Torah’s vision of support.

The Torah imagines a community that intervenes when people are most vulnerable, not with control, but with care. Not with leverage, but with responsibility. A system where dignity is preserved and trust is paramount.

That vision is alive today in organizations like JFLA, the Jewish Free Loan Association.

No interest. No fees. No shame. Just trust, compassion, and dignity.

They don’t just follow the Torah’s vision - they bring it to life.

JFLA doesn’t wield power over those who come to them. They refuse to profit from hardship. Instead, they offer a lifeline rooted in the values of Mishpatim, ensuring that support strengthens individuals, families, and businesses rather than trapping them.

This Torah portion isn’t just a set of ancient laws.

It’s a blueprint for how communities should respond when times are hard. A reminder that true help doesn’t exploit need - it restores stability, dignity, and hope.