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Shiur #8- Wednesday Jan 14, כה טבת
On the Discussion:
Currencies and Inflation
Can I request to be repaid more than the amount I lent because of inflation?
• When the government changes the exchange rate.
• A natural decline in currency value.
• When the government prints more money.
• Hyperinflation- uncontrollable price increases.
דיני רבית המצויים בזמנינו
אידיש
הרב שאול נוימאן שליט”א
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דיני ריבית המצויים בזמנינו - אידיש
שיעור א
האם מותר לקחת מארטגעגדש מבנק שיש להם ‘שעיר האלדערס’ יהודים
מי שיש לו ‘פיינענס קאמפעני’ האם צריך לחשוש שאחד מן הלווים יהודי
האם מותר לקחת עקוויטי מקרעדיט יוניאנס
Savings Account
האם מותר לפתוח בבנק שנמצא בבעלות יהודי
Introduction
Why do misconceptions about ribbis (usury) exist?
What la'avin (prohibitions) are related to ribbis?
Why are there multiple la'avin for ribbis?
Why does the ribbis prohibition begin with the issuance of the loan?
How is lending with ribbis a denial of Hakadosh Baruch Hu's presence?
Forms and Types of Ribbis
-Ribbis Ketsutsah -Avak Ribbis -Sah b'Sah -Ribbis Mukdemes uMechuras -Ribbis Devorim -Tovas Hanaah
Differences Between Ribbis Deoraisah and Ribbis Derabanan
Receiving gifts in connection with a loan
Saying thank you for receiving a loan
The lender benefiting from the borrower
Ribbis Derech Mecher
2-Tier Pricing
Buy Now, Pay Later
Net 30
Rentals- Paying advanced rent
Early Bird Discounts
Post Ribbis
I was involved in a Ribbis transaction. What can I do now?
A recurring late fee,e.g. in a lease, service providors invoice, is Ribbis
Using anothers credit card to make a purchase and repaying the cost and interest, is Ribbis
Partnership and vendor agreements have Ribbis concerns
Co-signing on a loan or mortgage is a Ribbis concern
A business line of credit with shared responsibility is a Ribbis concern
An MCA (Merchant Cash Advance) to a jew, involves Ribbis
Most Credit Unions and peer-to-peer lending raise Ribbis concerns
Conduct every transaction according to Halacha
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