Loan (Lectures)

Expressions researched:
"loan" |"loaned" |"loaning" |"loans"

Bhagavad-gita As It Is Lectures

Lecture on BG 4.9 -- Bombay, March 29, 1974:

That is nastik theory. This nastik or atheism... There were many saints in India also. One of them is Carvaka. He's very famous atheist. His philosophy is hedonism. Ṛṇaṁ kṛtvā ghṛtaṁ pibet yāvaj jīvet sukhaṁ jīvet. His theory is, because in India the luxury is to eat something which is cooked in ghee: luci, purī, halavā. So Carvaka Muni says that you take loan from your friends if you have no money and eat as much as possible ghee. Ṛṇaṁ kṛtvā ghṛtaṁ pibet yāvaj jīvet sukhaṁ jīvet. And so long you live, you live by gratifying your senses. Here sukham means sense gratification.

Srimad-Bhagavatam Lectures

Lecture on SB 1.2.4 -- Rome, May 28, 1974:

Big, big professor in Russia, that Professor Kotofsky, he told me, "Swamiji, after finishing this body, there is anything... Everything is finished." That is the basic principle of modern civilization, that "There is no life after death, and whatever senses we have got, let us enjoy it." Then bhasmī-bhūtasya dehasya... That it is a new thing. This atheistic philosophy was there long, long ago. They have not discovered anything new. It is already there. In India, the atheistic philosophy was already there. Cārvāka Muni, he used to say, "Enjoy life, senses. Gratify your senses some way or other." "No, I have no sufficient money." Ṛṇam kṛtvā: "Take. Beg, borrow, steal. Bring money." There are three methods of getting money. If one hasn't got money, then beg. Just like we are beginning, professional beggar, sannyāsī. They beg, borrow. And those who are not beggar, they borrow from friend, or steal, by hook and crook. So that is Cārvāka theory. "Bring money some way or other. Beg, borrow or steal." Ṛṇaṁ kṛtvā. Ṛṇaṁ kṛtvā, the very word is used. "If you have no money, then take loan from your friends." Ṛṇaṁ kṛtvā ghṛtaṁ pibet yāvaj jīvet sukhaṁ jīvet. "Now, I have to pay back. How can I take loan? If I don't pay, then I shall remain debtor, and I will have to pay in my next life." "No, no, don't bother about next life." Bhasmī-bhūtasya dehasya kutaḥ punar āgamano bhavet: "When your body, when it is finished, it will be burnt into ashes. Then the ashes will be lost. No more you are coming."

Lecture on SB 1.5.13 -- New Vrindaban, June 16, 1969:

So he, he propagated this philosophy, Cārvāka Muni, that ṛṇaṁ kṛtvā ghṛtaṁ pibet. In India, according to Vedic civilization, one is very much afraid of taking loan from others because he has conviction, "If I do not pay, then in my next life I'll have to pay many times. So I must liquidate my debt." That's a fact. If you take one cent from somebody else without doing something good to him or without exchanging something, then you are debtor, and you have to pay him with interest and compound interest. That is the law of karma. You cannot take anything. We are debtor to so many things. People have no idea.

Lecture on SB 1.5.33 -- Vrndavana, August 14, 1974:

Suppose one has no money, then how to get money? Either cheat somebody, beg, or beg. But begging for gṛhastha is not very good thing, but sometimes they do so. Beg, borrow, or promising, "Give me now money, I shall pay you." And when credit is lost, then steal, pickpocket. This is as theory. Similarly, Carvaka Muni, ṛṇaṁ kṛtvā ghṛtaṁ pibet, never mind. "No, I will have to pay." "No, that we shall see later on, never mind." "No, I will be sinful, I will have to pay next life." This is within the blood of every Indian that if I cheat you or if I take some money from you without your benefit, without repayment, then I will have to suffer. Still in India they believe this. There are some incidences that a man, father took some loan from some gentleman and his father died, and his son came to pay the money to the creditor: "Sir, my father took so much money from you. Now my father died without payment. So I have got money, you kindly take it." He says, "Let me see my book whether your father took it." So he said, "All right, consult." So after consulting the books, he said, "I don't find any item that I gave loan to your father." "No, sir, I know, my father said at the time of death that 'I owe so much money to that gentleman, I could not pay; you pay it.'" So the trouble was the man says "I don't find any debit to your father's name. How can I take your money?" And he is insisting, "Yes, my father took money from you, kindly take." This was India. This was India. They knew that "I cannot cheat you." Karmī, in the karma-kāṇḍa, if I cheat you, then I will have to pay you four times this life or next life. That is the law of karma. Therefore, we are collecting money, we should not cheat. Every paisa should be spent for Kṛṣṇa; otherwise we shall be liable to pay. If we use one farthing for our sense gratification, then we will have to pay for it. This is the law of karma. The charity is given, why? Why charity is given to the brāhmaṇa? Nowadays they have manufactured charity to the daridra-nārāyaṇa, poor man, gāñjā smoker, bidi smoker. But in the śāstra, it is not. Śāstra says tasmin deha, those who are devotee, those who are brāhmaṇa, they should be given, he should be given, he should accept. Why? Because if a brāhmaṇa takes some money from you, if a Vaiṣṇava takes money from you, he everything will employ in the service of the Lord. This is utilization.

Lecture on SB 2.9.9 -- Tokyo, April 25, 1972, Informal Class in Room:

Prabhupāda: In such a modern city, this apartments are lying vacant. That means he is... He has invited us to stay here to get some blessing so that tenants may come. (laughter) Āśīrvāda. He was āśīrvāda. If by the āśīrvāda he can get some tenants... All these men, they simply want āśīrvāda. They don't want Kṛṣṇa. They want āśīrvāda so that their nefarious activities may continue peacefully.

Sudāmā: Mr. Santanam was the same. He had loaned to me some money for doing some work on the temple. And then when he got promotion in his job, he came to me and said, "Sudāmā, it is by, I think, the mercy of Kṛṣṇa that I have now promotion. Please do not bother paying me the money back."

Prabhupāda: That's nice, but the difficulty is sometimes Kṛṣṇa's āśīrvāda may be just the opposite. Kṛṣṇa will take away. So at that time they become atheist. In Germany there are so many atheists born out of the second war.

Sri Brahma-samhita Lectures

Lecture on Brahma-samhita, Lecture -- New York, July 28, 1971:

We create trouble for our sinful activities. Just like I have already explained: there is enough food, but I gather more food, I stock it to make business so that when there is less supply the price will increase, and I shall sell at that time. This is my process. This is going on as economic development. There is grain. By God's arrangement, sufficient grain. But I am a man. I have got some influence. I have got some money, and I go to the bank: "Sir, I want to purchase one hundred thousand, millions of dollars' worth of wheat. So I have got ten thousand dollars. Please give me loan." Bank gives him loan. He purchases. He stocks it somewhere. Nobody knows. The price is increased. There is scarcity. Actually there is no scarcity, but it is the so-called economic law, man-made law, that creates scarcity. From God's side, there is no scarcity. Sufficient supply—more than what you need. But how this man can be checked from this evil propensity, to gather money and stock unnecessarily? In India, in 1942, they created artificial famine by this process. Big men, they collected rice. The rice was selling at six rupees per mound. All of a sudden, within a week, it came to fifty rupees per mound. I have seen it. No rice was available in the market. People were hungry. They were purchasing.

Lecture on Brahma-samhita, Lecture -- Bombay, January 3, 1973:

Nobody knows Kṛṣṇa. They may speculate by their so-called scholarship, ABCD knowledge, but Kṛṣṇa, Kṛṣṇa is not there. They cannot turn even a single man to become a Kṛṣṇa devotee. That is not possible. They can be fool. That is described in the Śrīmad-Bhāgavatam: śva-viḍ-varāha-uṣṭra kharaiḥ saṁstutaḥ puruṣaḥ paśuḥ. The, one who is not devotee, he is described as a paśuḥ, as an animal. And such animal is eulogized, glorified, by another animal. What are they? Now, dogs, camels, asses and hogs. Śva-viḍ-varāha-uṣṭra kharaiḥ saṁstutaḥ puruṣaḥ paśuḥ. These description is there. Therefore if we want to understand Kṛṣṇa, we have to follow these mahājana. Just like Brahmā. Brahmā is the original. There are... Who is mahājana? Mahājana. In India, a mahājana is accepted who can give you loan, money. He's called mahājana. Not that, that all. It is, it is a perverted word. But mahājana means a, one who is pure devotee of the Lord. Mahātmā means who is pure devotee of the Lord. Sādhu means who is a devotee—not these street beggars. Sādhu. Sādhur eva sa mantavyaḥ samyag vyavasito hi... (BG 9.30). Who are they? Sādhur eva sa mantavyaḥ.

Festival Lectures

Nrsimha-caturdasi Lord Nrsimhadeva's Appearance Day -- Srimad-Bhagavatam 7.5.22-34 -- Los Angeles, May 27, 1972:

Work is there. If you have cows and if you have got land, then you till the land, get grains, and there is milk, there is fruit, there is flower. Anywhere, you can live peacefully. Whole economic question is solved. And because we have forgotten, we have missed the real point, that our life is meant for God-realization. We are simply increasing botheration. Punaḥ punaś carvita. Adānta-gobhir viṣatāṁ tamisram. Andhā yathāndhair upanīyamānāḥ. The leaders are blind; we are also blind. So they are advising that "If you want to solve your economic problem, why you are going to church? Why you are going to temple? Come here, increase business, industry. Take loan and start business." That's all. This is going on. But actually, the more we are trying to mislead this people... Because they are thinking it is all right. They are... That the social condition is becoming more and more grave. That's a fact. We are trying to solve one problem, but many other problems are coming because we do not know what is the ultimate goal of life. Because we are missing the real point.

Arrival Addresses and Talks

Arrival Conversation -- Los Angeles, June 20, 1975:

Prabhupāda: Pradhāna, and then the soul, twenty-five. Twenty-four and three guṇas. Three guṇas: sattva-guṇa, rajo-guṇa, tamo-guṇa. Twenty-seven. So twenty-seven layers of garbage. Underneath, the soul is. What he will do? He is a small particle, soul, and he is covered with so many material elements. To come out of it is very very difficult. But if one is engaged in devotional service he can come out immediately. Just like when one is spiritually perfect, he goes immediately to Kṛṣṇa, penetrating these material coverings of the universe. Immediately. Tyaktvā dehaṁ punar janma naiti mām eti (BG 4.9), immediately. That is spiritual force.

māṁ ca vyabhicāriṇi

bhakti-yogena yaḥ sevate

sa guṇān samatītyaitān

brahma-bhūyāya kalpate

(BG 14.26)

So can you give me a list how much money you have to realize from our devotees who have taken money, loan?

Jayatīrtha: Who have taken money in loan? You mean unauthorized loan?

Prabhupāda: Not unauthorized, authorized.

Jayatīrtha: Oh, how much Book Trust has loaned...

Prabhupāda: Unauthorized also? There are?

Jayatīrtha: How much Book Trust loans there are. You want to see the list of Book Trust loans?

Prabhupāda: Yes, yes.

Jayatīrtha: Yes, we can give you that list.

Prabhupāda: There is unauthorized loan also?

Jayatīrtha: I thought you were... Sometimes in the past from time to time these things have gone on.

Prabhupāda: Past is all right. Have you received any news from Bombay?

Brahmānanda: Yes, there's two letter from Gopāla Kṛṣṇa. Pālikā brought them. Pālikā has come.

Prabhupāda: Oh. So what is the position there?

Brahmānanda: Well, I haven't read the letters yet, but she was saying that on the whole Mr. Matri now is diminishing. They have met with his superior in the party, and the superior is very much, he's not happy with Mr. Matri's activities and his reputation, and he says that in the forthcoming election he may not even put him on the election ballot.

Prabhupāda: That will be right punishment for him. Then he will understand. That will be more than death. Yes. Politicians, if they are refused political seat, that is more than death. Just like Kṛṣṇa was advising Arjuna that "You are known as a great hero, and if you don't fight then they will blaspheme you like anything. So that will be more than death. Better die. When they will say nindanti, 'Oh, the Arjuna has become a coward. He could not fight. He will die.' So that blaspheme will be more than death." So by the grace of Kṛṣṇa it has come to the notice of the...

General Lectures

Pandal Speech and Question Session -- Delhi, November 10, 1973:

In our country there were atheists also. Just like Cārvāka Muni. According to his philosophy, he says, ṛṇaṁ kṛtvā ghṛtaṁ pibet. Because in our country, India, life is enjoyable when we get to eat too much ghee. You see, pakhika anna (?). That is enjoyment. Just like in Western countries, if they can eat, they can drink more, that is life's enjoyment. In our country, of course. So ṛṇaṁ kṛtvā ghṛtaṁ pibet. If somebody says that "I have no money," so Cārvāka Muni says that "You take loan from your friend and purchase ghee and enjoy life." Ṛṇaṁ kṛtvā ghṛtaṁ pibet yāvaj jīvet sukhaṁ jīvet. "So long you will live, live happily. Why... Make beg, borrow, steal and live happily." "No. I shall be responsible. I shall have to pay next life." Cārvāka Muni says, "No, no. Don't bother about next life." Bhasmī-bhūtasya dehasya kuto punar āgamano bhavet: "Your body will be burned in the crematorium. That finished. That's all." This foolishness is there, that this life... We do not know that this human form of life we have got by the evolutionary process, going through so many lives. Just like in our present life we can understand that I have come to this body, old body, through child's body, boy's body, youth's body, in this way. That is explained in the Bhagavad-gītā. It is not manufactured.

Philosophy Discussions

Philosophy Discussion on Mao Tse Tung:

Śyāmasundara: This Mao Tse Tung believes in using a constant ideological struggle as an accepted...

Prabhupāda: No, no. This ideology has no struggle. Whatever is produced, you pay one-fourth. There is no question of struggle. If I have to pay some fixed tax, ten rupees, for this land I have secured, but if I don't produce, I have no ten rupees, there is struggle. Where I get this ten rupees? Then I have to take loan from somebody else. That brings(?) my anxiety. But if this system is accepted, then I, if I produce, I give you one-fourth; if I don't produce, I have no anxiety. That is perfect system.