Exodus 22:24 "If you lend money to any of My people that is poor among you"

Lending money to a needy person is a greater act of Tzedakah than actually giving it as charity!

Giving money to a person who has fallen to the point where he must beg for help is important. However, by giving a fellow Jew a loan, you prevent him from begging for help.

We are commanded to lend money to people who need it.

By doing so, we are assisting them to stand on their own two feet and help them pull out of their difficulties.