Nehemiah 5:3

Some small landowners had mortgaged everything to survive. The famine worsened the problem because grain was scarce and food prices naturally rose.

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

We have here the tears of the oppressed, which Solomon considered, Ecc 4:1. Let us consider them as here they are dropped before Nehemiah, whose office it was, as governor, to deliver the poor and needy, and rid them out of the hand of the wicked oppressors, Psa 82:4. Hard times and hard hearts made the poor miserable.
I. The times they lived in were hard. There was a dearth of corn (Neh 5:3), probably for want of rain, with which God had chastised their neglect of his house (Hag 1:9-11) and the non-payment of their church-dues, Mal 3:9, Mal 3:10. Thus foolish sinful men bring God's judgments upon themselves, and then fret and complain of them. When the markets are high, and provisions scarce and dear, the poor soon feel from it, and are pinched by it. Blessed be God for the mercy, and God deliver us from the sin, of fulness of bread, Eze 16:49. That which made the scarcity here complained of the more grievous was that their sons and their daughters were many, Neh 5:2. The families that were most necessitous were most numerous; here were the mouths, but where was the meat? Some have estates and no children to inherit them; others have children and no estates to leave them. Those who have both have reason to be thankful; those who have neither may the more easily be content. Those who have great families and little substance must learn to live by faith in God's providence and promise; and those who have little families and great substance must make their abundance a supply for the wants of others. But this was not all: as corn was dear, so the taxes were high; the king's tribute must be paid, Neh 5:4. This mark of their captivity still remained upon them. Perhaps it was a poll-money that was required, and then, their sons and their daughters being many, it rose the higher. The more they had to maintain (a hard case!) the more they had to pay. Now, it seems, they had not wherewithal of their own to buy corn and pay taxes, but were necessitated to borrow. Their families came poor out of Babylon; they had been at great expense in building them houses, and had not yet got up their strength when these new burdens came upon them. The straits of poor housekeepers who make hard shift to get an honest livelihood, and sometimes want what is fitting for them and their families, are well worthy the compassionate consideration of those who either with their wealth or with their power are in a capacity to help them.
II. The persons they dealt with were hard. Money must be had, but it must be borrowed; and those that lent them money, taking advantage of their necessity, were very hard upon them and made a prey of them. 1. They exacted interest from them at twelve per cent, the hundredth part every month, Neh 5:11. If men borrow large sums to trade with, to increase their stocks, or to purchase land, there is no reason why the lender should not share with the borrower in his profit; or if to spend upon their lusts, or repair what they have so spent, why should they not pay for their extravagances? But if the poor borrow to maintain their families, and we be able to help them, it is certain we ought either to lend freely what they have occasion for, or (if they be not likely to repay it) to give freely something towards it. Nay, 2. They forced them to mortgage to them their lands and houses for the securing of the money (Neh 5:3), and not only so, but took the profits of them for interest (Neh 5:5, compare Neh 5:11), that by degrees they might make themselves masters of all they had. Yet this was not the worst. 3. They took their children for bond-servants, to be enslaved or sold at pleasure, Neh 5:5. This they complain of most sensibly, as that which touched them in a tender part, and they aggravate it with this: "Our children are as their children, as dear to us as theirs are to them; not only of the same human nature, and entitled to the honours and liberties of that (Mal 2:10; Job 31:15), but of the same holy nation, free-born Israelites, and dignified with the same privileges. Our flesh carries in it the sacred seal of the covenant of circumcision, as well as the flesh of our brethren; yet our heirs must be their slaves, and it is not in our power to redeem them." This they made a humble remonstrance of to Nehemiah, not only because they saw he was a great man that could relieve them, but a good man that would. Whither should the injured poor flee for succour but to the shields of the earth? Whither but to the chancery, to the charity, in the royal breast, and those deputed by it for relief against the summum jus - the extremity of the law?
Lastly, We will leave Nehemiah hearing the complaint, and enquiring into the truth of the complainants' allegations (for the clamours of the poor are not always just), while we sit down and look, (1.) With a gracious compassion upon the oppressed, and lament the hardships which many in the world are groaning under; putting our souls into their souls' stead, and remembering in our prayers and succours those that are burdened, as burdened with them. (2.) With a gracious indignation at the oppressors, and abhorrence of their pride and cruelty, who drink the tears, the blood, of those they have under their feet. But let those who show no mercy expect judgment without mercy. It was an aggravation of the sin of these oppressing Jews that they were themselves so lately delivered out of the house of bondage, which obliged them in gratitude to undo the heavy burdens, Isa 58:6.

Because of the dearth - About the time of Zerubbabel, God had sent a judicial dearth upon the land, as we learn from Haggai, Hag 1:9, etc., for the people it seems were more intent on building houses for themselves than on rebuilding the house of the Lord: "Ye looked for much, and, lo, it is come to little; because of mine house that is waste; and ye run, every man unto his own house. Therefore the heaven over you is stayed from dew, and the earth is stayed from her fruit. And I called for a drought upon the land, and upon the mountains, and upon the corn, and upon the new wine, and upon the oil, and upon that which the ground brought forth; and upon men, and upon cattle, and upon all the labor of the hands." This dearth might have been continued, or its effects still felt; but it is more likely that there was a new dearth owing to the great number of people, for whose support the land that had been brought into cultivation was not sufficient.

Some also there were that said, we have mortgaged our lands, vineyards, and houses,.... Made them over to others, put them into their hands as pledges for money received of them:

that we may buy corn; for the support of their families:

because of the dearth; or famine; which might be occasioned by their enemies lying in wait and intercepting all provisions that might be brought to them; for this seems not to be the famine spoken of in Haggai 1:10 for that was some years before this, and for a reason which now was not.

Which might easily happen, both from the multitude of the people now in and near Jerusalem, and from their building work, which wholly took them up, and kept them from taking care of their own families, and from the expectation and dread of their enemies’ invasion, which hindered them from going abroad to fetch in provision, and the people round about from bringing it in to them; or from divers other causes.

The people complain of oppression. - Neh 5:1 There arose a great cry of the people and of their wives against their brethren the Jews, i.e., as appears from what follows (Neh 5:7), against the nobles and rulers, therefore against the richer members of the community. This cry is more particularly stated in Neh 5:2, where the malcontents are divided into three classes by וישׁ, Neh 5:2, Neh 5:3, Neh 5:4.
Neh 5:2
There were some who said: Our sons and our daughters are many, and we desire to receive corn, that we may eat and live. These were the words of those workers who had no property. נקחה (from לקח), not to take by force, but only to desire that corn may be provided.
Neh 5:3
Others, who were indeed possessed of fields, vineyards, and houses, had been obliged to mortgage them, and could now reap nothing from them. ערב, to give as a pledge, to mortgage. The use of the participle denotes the continuance of the transaction, and is not to be rendered, We must mortgage our fields to procure corn; but, We have been obliged to mortgage them, and we desire to receive corn for our hunger, because of the dearth. For (1) the context shows that the act of mortgaging had already taken place, and was still continuing in force (we have been obliged to pledge them, and they are still pledged); and (2) נקחה must not be taken here in a different sense from Neh 5:2, but means, We desire that corn may be furnished us, because of the dearth; not, that we may not be obliged to mortgage our lands, but because they are already mortgaged. בּרעב, too, does not necessarily presuppose a scarcity in consequence of a failure of crops or other circumstances, but only declares that they who had been obliged to pledge their fields were suffering from hunger.
Neh 5:4
Others, again, complained: We have borrowed money for the king's tribute upon our fields and vineyards. לוה means to be dependent, nexum esse, and transitively to make dependent, like מלא, to be full, and to make full: We have made our fields and our vineyards answerable for money for the king's tribute (Bertheau), i.e., we have borrowed money upon our fields for ... This they could only do by pledging the crops of these lands, or at least such a portion of their crops as might equal the sum borrowed; comp. the law, Lev 25:14-17.
Neh 5:5
"And now our flesh is as the flesh of our brethren, and our sons as their sons; and lo, we are obliged to bring our sons and our daughters into bondage, and some of our daughters are already brought into bondage; and we have no power to alter this, and our fields and vineyards belong to others." "Our brethren" are the richer Jews who had lent money upon pledges, and בּניהם are their sons. The sense of the first half of the verse is: We are of one flesh and blood with these rich men, i.e., as Ramb. already correctly explains it: non sumus deterioris conditionis quam tribules nostri divites, nec tamen nostrae inopiae ex lege divina Deu 15:7, Deu 15:8, subvenitur, nisi maximo cum foenore. The law not only allowed to lend to the poor on a pledge (Deu 15:8), but also permitted Israelites, if they were poor, to sell themselves (Lev 25:39), and also their sons and daughters, to procure money. It required, however, that they who were thus sold should not be retained as slaves, but set at liberty without ransom, either after seven years or at the year of jubilee (Lev 25:39-41; Exo 22:2.). It is set forth as a special hardship in this verse that some of their daughters were brought into bondage for maid-servants. ידנוּ לאל אין, literally, our hand is not to God, i.e., the power to alter it is not in our hand; on this figure of speech, comp. Gen 31:29. The last clause gives the reason: Our fields and our vineyards belonging to others, what they yield does not come to us, and we are not in a position to be able to put an end to the sad necessity of selling our daughters for servants.