5110. tokos
Lexical Summary
tokos: Interest, usury

Original Word: τόκος
Part of Speech: Noun, Masculine
Transliteration: tokos
Pronunciation: TO-kos
Phonetic Spelling: (tok'-os)
KJV: usury
NASB: interest
Word Origin: [from the base of G5088 (τίκτω - gave birth)]

1. interest on money loaned (as a produce)

Strong's Exhaustive Concordance
usury.

From the base of tikto; interest on money loaned (as a produce) -- usury.

see GREEK tikto

NAS Exhaustive Concordance
Word Origin
from tiktó
Definition
a bringing forth, birth, fig. interest, usury
NASB Translation
interest (2).

Thayer's Greek Lexicon
STRONGS NT 5110: τόκος

τόκος, τόκου, (from τίκτω, perfect τέτοκα);

1. birth;

a. the act of bringing forth.

b. that which has been brought forth, offspring; (in both senses from Homer down).

2. interest of money, usury (because it multiplies money, and as it were 'breeds' (cf. e. g. Merchant of Venice 1:3)): Matthew 25:27; Luke 19:23 (so in Greek writings from Pindar and Aristophanes down; the Sept. for נֶשֶׁך).

Topical Lexicon
Etymological Background and Semantic Nuance

The term denotes the yield that naturally accrues when something is put to productive use. It carries the idea of generated increase—whether in finance or more broadly in anything entrusted to someone for cultivation and growth.

Occurrences in the New Testament

The New Testament employs the word only twice, both times in the mouth of Jesus and both within stewardship parables:
• “Then you should have deposited my money with the bankers, and on my return I would have received it back with interest.” (Matthew 25:27)
• “Why then did you not deposit my money in the bank, and upon my return I could have collected it with interest?” (Luke 19:23)

Each instance underscores accountability for resources entrusted by the Master and expectation of profitable increase.

Historical and Cultural Context

In the Greco-Roman world charging interest was commonplace and governed by civil law, whereas Second-Temple Judaism inherited regulations that guarded against exploitation among fellow Israelites (Exodus 22:25; Deuteronomy 23:19-20). Jesus’ parables presuppose this mixed setting: His hearers knew both the legal permissibility of interest in wider society and the moral debates it provoked. By invoking bankers, Jesus alludes to an accepted commercial practice, not to recommend mercenary motives but to establish an undeniable baseline of return.

Intertextual Resonance with the Old Testament

Old Covenant legislation forbade taking interest from the poor, protecting them from predatory lending, yet allowed it toward foreigners (Deuteronomy 23:20). Prophets condemned unjust gain (Ezekiel 18:8, 13). These strands combine to show that increase itself is not condemned; rather, unrighteous exploitation is. Jesus’ use of the concept assumes this ethical backdrop while shifting focus from economics to spiritual stewardship.

Theological and Practical Implications

1. Divine Ownership and Human Stewardship: The talent and mina parables clarify that believers manage, not own, the assets—spiritual gifts, opportunities, finances—that God supplies (Psalm 24:1; 1 Corinthians 4:2).
2. Expectation of Fruitfulness: God seeks measurable growth, whether in character (Galatians 5:22-23), ministry effectiveness (Colossians 1:10), or material resources deployed for kingdom purposes.
3. Accountability at Christ’s Return: The master’s reckoning prefigures the judgment seat of Christ where each work is assessed (2 Corinthians 5:10). Lack of initiative invites rebuke; faithful increase receives commendation.

Applications for Discipleship and Ministry

• Personal Finance: Believers are urged to treat money as a tool for gospel advance, wise saving, and charitable generosity rather than idle hoarding.
• Spiritual Gifting: Gifts and abilities should be “invested” in service, expecting multiplication through disciple-making (2 Timothy 2:2).
• Church Administration: Elders and deacons oversee funds and ministries so that every resource bears interest in lives transformed, missions supported, and communities served.

Reception in Church History

Early Christian writers such as Chrysostom highlighted the parables’ warning against sloth, while Reformers like Calvin emphasized that spiritual indolence contradicts genuine faith. Historic missionary movements consistently cited these verses to call believers from complacency to active engagement in the Great Commission.

Summary

Though the New Testament mentions the word only twice, its strategic placement in Jesus’ teaching magnifies a central kingdom principle: everything God entrusts is meant to grow. Whether finances, talents, or time, the Lord expects a return that honors Him and blesses others. The concept challenges every generation of believers to purposeful stewardship, vigilant readiness, and confident anticipation of hearing, “Well done, good and faithful servant.”

Forms and Transliterations
τόκον τόκος τόκου τόκους τοκω τόκω τόκῳ τόκων τόλμη toko tokō tókoi tókōi
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Interlinear GreekInterlinear HebrewStrong's NumbersEnglishman's Greek ConcordanceEnglishman's Hebrew ConcordanceParallel Texts
Englishman's Concordance
Matthew 25:27 N-DMS
GRK: ἐμὸν σὺν τόκῳ
NAS: I would have received my [money] back with interest.
KJV: mine own with usury.
INT: my own with interest

Luke 19:23 N-DMS
GRK: ἐλθὼν σὺν τόκῳ ἂν αὐτὸ
NAS: I would have collected it with interest?'
KJV: mine own with usury?
INT: having come with interest anyhow it

Strong's Greek 5110
2 Occurrences


τόκῳ — 2 Occ.

5109
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