Nehemiah 5:11

Nehemiah demanded that the wealthy lenders return the fields and repay the interest (literally the hundredth part), which they should not have collected (see also Exodus 22:25; Leviticus 25:35–37). The term hundredth part suggests the interest was one percent per month. This was lower than the 20 percent annual rate found in some documents of that time, or the 60 percent annual rate charged at Elephantine in Egypt. However, even a low interest rate violated God's covenant.

Severe financial problems almost stopped the wall's completion (Nehemiah 5:1–5), but Nehemiah found a solution (5:6–13).

THE USURERS REBUKED. (Neh 5:6-19)

I was very angry when I heard their cry and these words--When such disorders came to the knowledge of the governor, his honest indignation was roused against the perpetrators of the evil. Having summoned a public assembly, he denounced their conduct in terms of just severity. He contrasted it with his own in redeeming with his money some of the Jewish exiles who, through debt or otherwise, had lost their personal liberty in Babylon. He urged the rich creditors not only to abandon their illegal and oppressive system of usury, but to restore the fields and vineyards of the poor, so that a remedy might be put to an evil the introduction of which had led to much actual disorder, and the continuance of which would inevitably prove ruinous to the newly restored colony, by violating the fundamental principles of the Hebrew constitution. The remonstrance was effectual. The conscience of the usurious oppressors could not resist the touching and powerful appeal. With mingled emotions of shame, contrition, and fear, they with one voice expressed their readiness to comply with the governor's recommendation. The proceedings were closed by the parties binding themselves by a solemn oath, administered by the priests, that they would redeem their pledge, as well as by the governor invoking, by the solemn and significant gesture of shaking a corner of his garment, a malediction on those who should violate it. The historian has taken care to record that the people did according to this promise.

It should seem the foregoing complaint was made to Nehemiah at the time when he had his head and hands as full as possible of the public business about building the wall; yet, perceiving it to be just, he did not reject it because it was unseasonable; he did not chide the petitioners, nor fall into a passion with them, for disturbing him when they saw how much he had to do, a fault which men of business are too often guilty of; nor did he so much as adjourn the hearing of the cause or proceedings upon it till he had more leisure. The case called for speedy interposition, and therefore he applied himself immediately to the consideration of it, knowing that, let him build Jerusalem's walls ever so high, so thick, so strong, the city could not be safe while such abuses as these were tolerated. Now observe, What method he took for the redress of this grievance which was so threatening to the public.
I. He was very angry (Neh 5:6); he expressed a great displeasure at it, as a very bad thing. Note, It well becomes rulers to show themselves angry at sin, that by the anger itself they may be excited to their duty, and by the expressions of it others may be deterred from evil.
II. He consulted with himself, Neh 5:7. By this it appears that his anger was not excessive, but kept within bounds, that, though his spirit was provoked, he did not say or do any thing unadvisedly. Before he rebuked the nobles, he consulted with himself what to say, and when, and how. Note, Reproofs must be given with great consideration, that what is well meant may not come short of its end for want of being well managed. It is the reproof of instruction that giveth life. Even wise men lose the benefit of their wisdom sometimes for want of consulting with themselves and taking time to deliberate.
III. He rebuked the nobles and rulers, who were the monied men, and whose power perhaps made them the more bold to oppress. Note, Even nobles and rulers, if they do that which is evil, ought to be told of it by proper persons. Let no man imagine that his dignity sets him above reproof.
IV. He set a great assembly against them. He called the people together to be witnesses of what he said, and to bear their testimony (which the people will generally be forward to do) against the oppressions and extortions their rulers were guilty of, Neh 5:12. Ezra and Nehemiah were both of them very wise, good, useful men, yet, in cases not unlike, there was a great deal of difference between their management: when Ezra was told of the sin of the rulers in marrying strange wives he rent his clothes, and wept, and prayed, and was hardly persuaded to attempt a reformation, fearing it to be impracticable, for he was a man of a mild tender spirit; when Nehemiah was told of as bad a thing he kindled immediately, reproached the delinquents, incensed the people against them, and never rested till, by all the rough methods he could use, he forced them to reform; for he was a man of a hot and eager spirit. Note, 1. Very holy men may differ much from each other in their natural temper and in other things that result from it. 2. God's work may be done, well done, and successfully, and yet different methods taken in the doing of it, which is a good reason why we should neither arraign the management of others nor make our own a standard. There are diversities of operation, but the same Spirit.
V. He fairly reasoned the case with them, and showed them the evil of what they did. The regular way of reforming men's lives is to endeavour, in the first place, to convince their consciences. Several things he offered to their consideration, which are so pertinent and just that it appeared he had consulted with himself. He lays it before them, 1. That those whom they oppressed were their brethren: You exact every one of his brother. It was bad enough to oppress strangers, but much worse to oppress their poor brethren, from whom the divine law did not allow them to take any usury, Deu 23:19, Deu 23:20. 2. That they were but lately redeemed out of the hand of the heathen. The body of the people were so by the wonderful providence of God; some particular persons among them were so, who, besides their share in the general captivity, were in servitude to heathen masters, and ransomed at the charge of Nehemiah and other pious and well-disposed persons. "Now," says he, "have we taken all this pains to get their liberty out of the hands of the heathen, and shall their own rulers enslave them? What an absurd thing is this! Must we be at the same trouble and expense to redeem them from you as we were to redeem them from Babylon?" Neh 5:8. Those whom God by his grace has made free ought not to be again brought under a yoke of bondage, Gal 5:1; Co1 7:23. 3. That it was a great sin thus to oppress the poor (Neh 5:9): "It is not good that you do; though you get money by it, you contract guilt by it, and ought you not to walk in the fear of God? Certainly you ought, for you profess religion, and relation to him; and, if you do walk in the fear of God, you will not be either covetous of worldly gain or cruel towards your brethren." Those that walk in the fear of God will not dare to do a wicked thing, Job 31:13, Job 31:14, Job 31:23. 4. That it was a great scandal, and a reproach to their profession. "Consider the reproach of the heathen our enemies, enemies to us, to our God, and to our holy religion. They will be glad of any occasion to speak against us, and this will give them great occasion; they will say, These Jews, that profess so much devotion to God, see how barbarous they are one to another." Note, (1.) All that profess religion should be very careful that they do nothing to expose themselves to the reproach of those that are without, lest religion be wounded through their sides. (2.) Nothing exposes religion more to the reproach of its enemies than the worldliness and hard-heartedness of the professors of it. 5. That he himself had set them a better example (Neh 5:10), which he enlarges upon afterwards, Neh 5:14, etc. Those that rigorously insist upon their right themselves will with a very ill grace persuade others to recede from theirs.
VI. He earnestly pressed them not only not to make their poor neighbours any more such hard bargains, but to restore that which they had got into their hands, Neh 5:11. See how familiarly he speaks to them: Let us leave off this usury, putting himself in, as becomes reprovers, though far from being any way guilty of the crime. See how earnestly, and yet humbly, he persuades them: I pray you leave off; and I pray you restore. Though he had authority to command, yet, for love's sake, he rather beseeches. See how particularly he presses them to be kind to the poor, to give them up their mortgages, put them again in possession of their estates, remit the interest, and give them time to pay in the principal. He urged them to their loss, yet, urging them to their duty, it would be, at length, to their advantage. What we charitably forgive will be remembered and recompensed, as well as what we charitably give.
VII. He laid them under all the obligations possible to do what he pressed them to. 1. He got a promise from them (Neh 5:12): We will restore them. 2. He sent for the priests to give them their oath that they would perform this promise; now that their convictions were strong, and they seemed resolved, he would keep them to it. 3. He bound them by a solemn curse or execration, hoping that would strike some awe upon them: So let God shake out every man that performeth not this promise, Neh 5:13. This was a threatening that he would certainly do so, to which the people said Amen, as to those curses at Mount Ebal (Deu. 27), that their throats might be cut with their own tongues if they should falsify their engagement, and that by the dread of that they might be kept to their promise. With this Amen the people praised the Lord; so far were they from promising with regret that they promised with all possible expressions of joy and thankfulness. Thus David, when he took God's vows upon him, sang and gave praise, Psa 56:12. This cheerfulness in promising was well, but that which follows was better: They did according to this promise, and adhered to what they had done, not as their ancestors in a like case, who re-enslaved those whom a little before they had released, Jer 34:10, Jer 34:11. Good promises are good things, but good performances are all in all.

Also the hundredth part of the money - Houbigant contends,
1. That the word מאת meath, which we and the Vulgate translate one hundredth part, never means so anywhere; and
2. That it would have answered no end to have remitted to people so distressed merely the one hundredth part of the money which had been taken from them by usury.
He understands מאת meath as signifying the same as מן את min eth, contracted into מאת meeth, a preposition and demonstrative particle joined together, also a part From The money. Neither the Syriac, Septuagint, nor Arabic acknowledges this hundredth part. Some think that the hundredth part is that which they obliged the poor debtors to pay each month, which would amount to what we would call twelve per cent. interest for the money lent, or the debt contracted. See the introduction.

Restore, I pray you, even this day, their lands, their vineyards, their oliveyards, and their houses,.... Which they had made over to them for corn they had had, or money they borrowed of them; it is entreated that an immediate restitution be made, and the rather, if what Aben Ezra observes is true, that this was the year of release, when debts were not to be exacted, but forgiven, Deuteronomy 15:1,

also the hundredth part of the money, and of the corn, the wine, and the oil, that ye exact of them; the hundredth part of the money might be what they took for usury, as the Romans did in later times, even so much a month; so that if the loan was one hundred pounds, a pound was given every month for it, and so one hundred and twelve pounds in the year; and the hundredth part of the corn, wine, and oil, might be the hundredth part of those fruits of the earth which the rulers demanded for their salary, see Nehemiah 5:15.

Also the hundredth part of the money; also require not; which is to be supplied out of the next verse, where it is expressed in their answer to and grant of this desire. The hundredth part; which they required every month for the use of their monies or goods, according to the custom then used, and afterwards by the Romans.

The abolition of usury. - Neh 5:6 Nehemiah was very angry at this complaint and these things, i.e., the injustice which had been brought to his knowledge.
Neh 5:7
"And my heart took counsel upon it (ימּלך according to the Chaldee use of מלך, Dan 4:24), and I contended with the nobles and rulers, and said to them, Ye exact usury every one of his brother." ב נשׁא means to lend to any one, and משּׁא, also משּׁאה, Deu 24:10; Pro 22:26, and mashe', is the thing lent, the loan, what one borrows from or lends to another. Consequently משּׁא נשׁא is to lend some one a loan; comp. Deu 24:10. This does not seem to suit this verse. For Nehemiah cannot reproach the nobles for lending loans, when he and his servants had, according to Neh 5:10, done so likewise. Hence the injustice of the transaction which he rebukes must be expressed in the emphatic precedence given to משּׁא. Bertheau accordingly regards משּׁא not as the accusative of the object, but as an independent secondary accusative in the sense of: for the sake of demanding a pledge, ye lend. But this rendering can be neither grammatically nor lexically justified. In the first respect it is opposed by משּׁאה השּׁא, Deu 24:10, which shows that משּׁא in conjunction with נשׁא is the accusative of the object; in the other, by the constant use of משּׁא in all passages in which it occurs to express a loan, not a demand for a pledge. From Exo 22:24, where it is said, "If thou lend money (תּלוה) to the poor, thou shalt not be to him כּנשׁה, shalt not lay upon him usury," it is evident that נשׁה is one who lends money on usury, or carries on the business of a money-lender. This evil secondary meaning of the word is here strongly marked by the emphatic praeposition of משּׁא; hence Nehemiah is speaking of those who practise usury. "And I appointed a great assembly on their account," to put a stop to the usury and injustice by a public discussion of the matter. עליהם, not against them (the usurers), but on their account.
Neh 5:8
In this assembly he reproached them with the injustice of their behaviour. "We" (said he) "have, after our ability, redeemed our brethren the Jews which were sold unto the heathen; yet ye would sell your brethren, and they are to be sold to us." We (i.e., Nehemiah and the Jews living in exile, who were like-minded with him) have bought, in contrast to ye sell. They had redeemed their Jewish brethren who were sold to the heathen. בנוּ כּדי for בנוּ אשׁר כּדי, i.e., not according to the full number of those who were among us, meaning as often as a sale of this kind occurred (Bertheau); for דּי does not mean completeness, multitude, but only sufficiency, supply, adequacy of means (Lev 25:26); hence בנוּ כּדי is: according to the means that we had: secundum sufficientiam vel facultatem, quae in nobis est (Ramb.), or secundum possibilitatem nostram (Vulg.). The contrast is still more strongly expressed by the placing of גּם before אתּם, so that וגם acquires the meaning of nevertheless (Ewald, 354, a). The sale of their brethren for bond-servants was forbidden by the law, Lev 25:42. The usurers had nothing to answer to this reproach. "They held their peace, and found no word," sc. in justification of their proceedings.
Neh 5:9
Nehemiah, moreover, continued (ויאמר, the Chethiv, is evidently a clerical error for ואמר, for the Niphal ויּאמר does not suit): "The thing ye do is not good: ought ye not (= ye surely ought) to walk in the fear of our God, because of the reproach of the heathen our enemies?" i.e., we ought not, by harsh and unloving conduct towards our brethren, to give our enemies occasion to calumniate us.
Neh 5:10-12
"I, likewise my brethren and my servants (comp. Neh 4:17), have lent them money and corn; let us, I pray, remit (not ask back) this loan!" The participle נשׁים says: we are those who have lent. Herewith he connects the invitation, Neh 5:11 : "Restore unto them, I pray you, even this day (כּהיּום, about this day, i.e., even to-day, Sa1 9:13), their fields, their vineyards, their olive gardens, and their houses, and the hundredth of the money, and of the corn, wine, and oil which you have lent them." Nehemiah requires, 1st, that those who held the lands of their poorer brethren in pledge should restore them their property without delay: 2nd, that they should remit to their debtors all interest owing on money, corn, etc. that had been lent; not, as the words have been frequently understood, that they should give back to their debtors such interest as they had already received. That the words in Neh 5:11 bear the former, and not the latter signification, is obvious from the reply, Neh 5:12, of those addressed: "We will restore, sc. their lands, etc., and will not querie of them, sc. the hundredth; so will we do as thou sayest." Hence we must not translate בּהם נשׁים אתּם אשׁר, "which you had taken from them as interest" (de Wette), - a translation which, moreover, cannot be justified by the usage of the language, for ב נשׁה does not mean to take interest from another, to lend to another on interest. The אשׁר relates not to וּמאת, but to והיּצהר ... הדּגן; and השׁיב, to restore, to make good, is used of both the transactions in question, meaning in the first clause the restoration of the lands retained as pledges, and in the second, the remission (the non-requirement) of the hundredth. The hundredth taken as interest is probably, like the centesima of the Romans, to be understood of a monthly payment. One per cent. per month was a very heavy interest, and one which, in the case of the poor, might be exorbitant. The law, moreover, forbade the taking of any usury from their brethren, their poor fellow-countrymen, Exo 22:25 and Lev 25:36. When the creditors had given the consent required, Nehemiah called the priests, and made them (the creditors) swear to do according to this promise, i.e., conscientiously to adhere to their agreement. Nehemiah obtained the attendance of the priests, partly for the purpose of giving solemnity to the oath now taken, and partly to give to the declaration made in the presence of the priests legal validity for judicial decisions.
Neh 5:13
To make the agreement thus sworn to still more binding, Nehemiah confirmed the proceeding by a symbolical action: Also I shook my lap, and said, So may God shake out every man from his house, and from his labour, that performeth (fulfilleth) not this promise, and thus may he be shaken out and emptied. חצן means the lap of the garment, in which things are carried (Isa 49:22), where alone the word is again found. The symbolical action consisted in Nehemiah's gathering up his garment as if for the purpose of carrying something, and then shaking it out with the words above stated, which declared the meaning of the act. The whole congregation said Amen, and praised the Lord, sc. for the success with which God had blessed his efforts to help the poor. And the people did according to this promise, i.e., the community acted in accordance with the agreement entered into.