16 And if a man desire and is given a stewardship, whether it be spiritual or temporal, he can then borrow money or goods from this surplus to enable him to establish his own stewardship.

17 And every man is worthy of his hire, for whatever service he provideth for his fellow men.

18 And every man must repay the loan out of the surplus he receives for his service.

19 And none shall borrow monies or goods from Babylon, for if they do, they shall place Zion in bondage, and if they do so, they must remove themselves from the United Order and become as Babylon.

41 And if monies are borrowed from the Order, it shall be done so at two percent plus the cost of handling the transaction.

42 And at no time shall monies be loaned from the Order for more than two percent plus the cost of handling the transaction.

43 This I have caused to be charged that a man may recover his loss, for it may occur that a slothful servant will borrow monies and not repay, and on the Jubilee he shall be free from debt.

44 How then can a man recover this loss, but by a percentage being charged?

45 But if a man pays his debts, and it be according to the agreement, at the final payment the two percent shall be refunded to him, but the cost of handling the transaction shall not be refunded, it is a just recompense for work done.

46 But a slothful servant shall not be able to recover the two percent interest charge, for he has broken his covenant.

47 And thus the loans shall be paid first the interest, then the principle; for My law is a just law.

48 And those who pay their loans not within the seven years because of illness or misfortune are on the Jubilee free from debt.

49 And such a man who seeketh to gain from this and doeth it deliberately, shall not have fellowship among you, and if he repents not, shall be given that which is his and given over to the world, for his heart is not right before Me, saith the LORD.

50 But if the man be not able to pay because of illness or misfortune or lack or knowledge, he shall be forgiven his debt.

51 But he shall not be able to borrow from the Order up to seven years, and then only if it is determined that he is responsible and has learned to be wise and prudent in his actions.

1 Behold My son, ye have come before Me concerning matters concerning the setting up of the United Order, and what should be done concerning the loaning of monies, and behold I say unto you, ye shall not loan monies that ye do not have.

2 And ye shall keep detailed records of all transactions.