Ribbis in the Business World - Chaim Francis

In this episode, we discuss whether it is permitted for someone to purchase an item on his personal credit card and have it delivered to an Amazon seller who will then reimburse him and provide an additional commission. 

In this episode we discuss whether it is permitted for an employer to give his employee a bonus in consideration for missing a payment.

In this episode we discuss whether it is permissible for a Landlord to charge a late fee to his tenants. This discussion is also relevant to Vendors who want to charge penalties to customers who are late to pay their invoices,

In this episode, we discuss whether it is permitted for a Landlord to charge additional rent in exchange for allowing his tenant to pay at the end of the month.  We also discuss whether it is permitted for a tenant to sign a Rental Agreement that calls for a recurring penalty in the event the tenant does not make his payment.

In this episode we discuss the prohibition of charging a customer for the option to pay on credit. We discuss the common 2/10 net 30 payment structure as well as storeowners who offer a sale to cash paying customers only.

In this episode we discuss when startup or seed funding is considered to be a loan. Also discussed is  when a managing partner must receive additional compensation (schar tircha) for his work.

In this episode we discuss when one needs to be concerned about Ribbis when investing. Topics such as Preferred Returns, Preferred Equity Investments, Convertible Debt and others are discussed.

Does the Ribbis prohibition apply on a Merchant Cash Advance loan between two Jewish parties?  And would the prohibition apply to someone who is merely investing in the MCA company.

Is it permitted to sell a debt at a discount, and how does this apply to an Accounts Receivable Purchasing arrangement. 

Is it permitted for a borrower to provide non-monetary benefits to his lender. And is a simple "thank you"  forbidden

Is it permitted to receive a service with the condition to perform a more valuable service at a later date.

Is it permitted for a borrower to forgive Ribbis that he already paid to his lender. And what should be done if the parties become aware of a Ribbis problem while the loan is still outstanding.

In this episode we discuss the parameters of a lender's  responsibility to return Ribbis that he collected.

A discussion of the recent controversy regarding purchasing a car from a Jewish seller using a Retail Installment Contract.

A continuation of episode 27.

When does prepaying for a purchase violate the prohibition of Ribbis? And is it permitted to give a seller a deposit (used for construction costs) when purchasing a new construction home.

Is it permitted for a borrower to send Mishloach Manos to his lender. And does it make a difference if the borrower had done so in the past.

Is it permitted to borrow cryptocurrencies, when the borrower is obligated to repay the lender using the same currency. This discussion is relevant even where the borrower is only required to repay the sum that he borrowed. 

Is it permissible to borrow foreign currency and repay the debt using the same currency.

What is the appropriate Heter Iska for a refinance loan issued from a jewish lender.

Is it permitted for a lender to require a borrower to cover the cost of inflation.

In this episode we discuss the Halachic status of companies or banks that have both Jewish and Non-Jewish shareholders. This will determine whether it is permitted to borrow interest-loans from them.   

Is it permitted to broker a transaction that violates the Halachos of Ribbis. 

A brief explanation of how a Heter Iska works. For a longer explanation see episode 3.

When the parties sign loan documents that refer to a transaction as an interest loan, is writing a Heter Iska an option, and must the Heter Iska be legally enforceable in a secular court. Additionally, is the lender required to give the borrower a copy of the Heter Iska?