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11. Loan to a Gentile:
The Shemitas Kesafim laws only apply to a loan made to a Jew. A loan that was made to a non-Jew is to be collected even after Shemita.
If one owes money to a non-observant Jew may he pay the lender back the money after the Shemita?
If a non-observant Jew owes one money and a Peruzbal was not performed may the lender collect the money after Shemita?
On Erev Rosh Hashanah of the end of the sixth year of Shemita [and also of the end of the seventh year of Shemita] one is to perform a Peruzbal in front of a court of three Jews. It is performed following Hataras Nedarim. One states before the tribunal “I hereby hand to you all the debts that are owed to me that I should be allowed to collect them whenever I desire.” Alternatively, a Beis Din is to write the above Nussach in a document and have the lenders sign their name on it.
If a woman lent eggs or other food to her neighbor before Rosh Hashanah, must she perform a Peruzbal in order to collect back the eggs after Rosh Hashanah of Shemita?
The lending of food to a neighbor has the same status as a loan. ]Thus a single woman who lends food items and the like before Rosh Hashanah needs to initially perform a Peruzbal if she desires to collect them back afterwards. If a married woman lent food items then it is included within the Peruzbal performed by her husband.] Some suggest for women to purposely lend food and then not collect it back after Rosh Hashanah in order to fulfill the Mitzvah of Shemita in its literal form.
 Parshas Re’e 15:1-3 “Do not demand from your friend..A gentile you should collect from”; Sifri Re’e 112 “Your friend-this comes to exclude others”; Chinuch 447; Rashba 1:769; Rama 67:17
 Nitei Gavriel 32 footnote 7 based on Rosh 108/7 as there is no prohibition for the borrower to pay back the money.
 Sheivet Halevy 7/218; Nitei Gavriel 32/6
 See Halacha 4 in Q&A!; See also Grach Naah in Yagdil Torah 25 p. 82 for a discussion in whether a Mumar is at all included within the prohibition of being asked to pay back the loan.
 Chida in Chaim Sheol 2/38-13; Ben Ish Chaiy Ki Savo 26
 See Nitei Gavriel 11/10 in name of Divrei Shalom 5/287
 Ben Ish Chaiy ibid