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.

Is there a Ribbis prohibition to extend a MCA loan to a Jewish merchant.And would the prohibition apply to someone merely investing in the MCA company.

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

Is it permitted for a borrower to provide non-monetary benefits to his lender.

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

Is it permitted for a borrower to forgive the Ribbis that was paid to the lender.

The Halachos regarding whether a lender is responsible to return Ribbis that was collected.

An explanation of the recent controversy regarding financing a car with a Retail Installment Contract.

A continuation and further elaboration of episode 27.

When does prepaying for a purchase violate Ribbis.

What are the halachos regarding sending Mishloach Manos to your lender.

How do we consider Cryptocurrencies with regard to Hilchos Ribbis. Do we consider it a currency or commodity.

Is it permissible to lend foreign currency, where the agreement is for the borrower to repay the debt with the foreign currency.

What is the proper Heter Iska one should use when refinancing from a jewish lender.

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

Is it permitted to borrow money from a public company that has jewish shareholders.

Are you allowed to broker a deal that violates Ribbis.

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

When the parties sign a loan document, is a Heter Iska an option.

What is the proper way to structure a Heter Iska when the lender is receiving points at the beginning of the loan.

What is the appropriate heter iska for a jewish mortgage lender who will eventually sell the loan to a not jewish investor.

Is it permitted to sign on an operating agreement that calls for a potential loan with interest, if you are confident that it will not actually transpire.

A discussion if there is a potential ribbis problem with an investor getting preferred equity.

When a partner intends to lend money to his business which has other partners, and would like to take back interest.

Where a partner takes out a private loan and deposits the money into the business, and the other partners do not have personal responsibility to repay him.

What is the Halacha when one partner takes out a private loan and deposits the money into the business.

What is the correct way to guarantee a business to avoid a problem of Ribbis.

In a loan between a non jewish lender and a jewish borrower, when is it permissible to have a co-signer.

The Psak of the Igros Moshe in regard to non recourse loans.

When the borrower has no intention to invest the money, may a Heter Iska be used.

When a partner lends to his business,what is the appropriate Heter Iska.

How high can the profit agreement of a Heter Iska be

An explanation of the two iska forms. As well as the benefits of each.

An important introduction to Heter Iska. The basic distinction between a loan and an investment.

Explaining the objective of this podcast. To clarify common Ribbis problems that arise in the business world.

A brief explanation how a Heter Iska circumvents the problem of Ribbis. For a shorter explanation see episode 19.