A hard - hearted lender might have been tempted to seize the debtor’s garment, leaving him without a covering in which to sleep.
فَإِذَا أَخَذَ إِسْرَائِيلِيٌّ ثَوْبَ صَاحِبِهِ كَرَهْنٍ ،‏ كَانَ عَلَيْهِ أَنْ يَرُدَّهُ لَهُ عِنْدَ غُرُوبِ ٱلشَّمْسِ .‏ ‏