1The merciful lend to their neighbor,

by holding out a helping hand, they keep the commandments.a

2Lend to your neighbor in his time of need,

and pay back your neighbor in time.b

3Keep your promise and be honest with him,

and at all times you will find what you need.

4Many borrowers ask for a loan

and cause trouble for those who help them.

5Till he gets a loan, he kisses the lender’s hand

and speaks softly of his creditor’s money,

But at time of payment, delays,

makes excuses, and finds fault with the timing.

6If he can pay, the lender will recover barely half,

and will consider that a windfall.

If he cannot pay, the lender is cheated of his money

and acquires an enemy at no extra charge;

With curses and insults the borrower will repay,

and instead of honor will repay with abuse.

7Many refuse to lend, not out of meanness,

but from fear of being cheated needlessly.

8But with those in humble circumstances be patient;

do not keep them waiting for your alms.

9Because of the commandment, help the poor,

and in their need, do not send them away empty-handed.c

10Lose your money for relative or friend;

do not hide it under a stone to rot.

11Dispose of your treasure according to the commandments of the Most High,

and that will profit you more than the gold.d

12* Store up almsgiving in your treasury,

and it will save you from every evil.

13Better than a mighty shield and a sturdy spear

it will fight for you against the enemy.

14* A good person will be surety for a neighbor,

but whoever has lost a sense of shame will fail him.e

15Do not forget the kindness of your backer,

for he has given his very life for you.

16A sinner will turn the favor of a pledge into misfortune,

17and the ungrateful will abandon his rescuer.

18Going surety has ruined many who were prosperous

and tossed them about like waves of the sea;f

It has exiled the prominent

and sent them wandering through foreign lands.

19The sinner will come to grief through surety,

and whoever undertakes too much will fall into lawsuits.

20Help your neighbor according to your means,

but take care lest you fall yourself.

21Life’s prime needs are water, bread, and clothing,

and also a house for decent privacy.g

22Better is the life of the poor under the shadow of their own roof

than sumptuous banquets among strangers.h

23Whether little or much, be content with what you have:

then you will hear no reproach as a parasite.

24It is a miserable life to go from house to house,

for where you are a guest you dare not open your mouth.

25You will entertain and provide drink without being thanked;

besides, you will hear these bitter words:

26“Come here, you parasite, set the table,

let me eat the food you have there!

27Go away, you parasite, for one more worthy;

for my relative’s visit I need the room!”

28Painful things to a sensitive person

are rebuke as a parasite and insults from creditors.