"If you lend money to My people, to the poor among you, do not act toward them as a creditor". This can be understood, as we know, that giving charity is beyond value, and that the advantage of charity is that it is given anonymously, in ways that do not embarrass the needy. One should always recall that what one gives to the poor is in one's possession only as a pledge, as our sages, of blessed memory, said: The money of the poor is only deposited with the rich as a pledge, for the Holy One, blessed be He, wishes to accord people with privilege (of good deeds), and therefore created both poor and rich people.
This is what is meant by ""If you lend money to My people": When you give charity to the poor, then "you lend money to My people". Consider it a loan, so as not to embarrass the needy, for the Holy One, blessed be He, will, in time, return it to you; you give, on the one hand, and the Holy One, blessed be He, gives to you on the other.