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Loans to the Poor - part two (Mitzvot 66-68)

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When someone approaches you asking for tzedakah, to what extent do you need to check to make sure it's legitimate? The Rambam holds there is an obligation to check which means, practically that it's best to give tzedakah through an organization since it can more efficiently check the person's legitimacy.

A poor person who receives tzedakah is still obligated to give tzedakah. Why?

Giving charity for non-altruistic reasons still counts as a mitzvah whereas if you don't give charity with a smile you don't get the mitzvah.

Is the purpose of the mitzvah to habitualize our actions?

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Delivered at the OU Israel Center, March 6th, 2019 (29 Adar I 5779)