In Jainism, the concept of earning interest on money (usury) is generally discouraged, especially for those who strive to follow the highest ethical standards (such as monks, nuns, and laypeople who observe advanced vows). This is because earning interest can be seen as a form of exploitation and may be considered himsa (violence) in a subtle form, as it can cause distress or hardship to others.

However, Jain laypeople (śrāvakas) who are engaged in business and worldly activities may sometimes earn interest, but they are advised to do so ethically and with compassion, ensuring that it does not cause harm or undue hardship to others. Jain scriptures, such as the "Ratnakaranda Shravakachara," recommend that even if interest is taken, it should be fair, reasonable, and not exploitative.

Ideally, Jainism encourages right livelihood (samyak livelihood) that minimizes harm to other beings and promotes honesty, fairness, and compassion in all financial dealings. The ultimate goal is to progress spiritually, reducing attachment and accumulation of wealth, including through interest.

In summary:

• Jain monks and nuns must completely avoid taking interest.
• Laypeople are discouraged from exploitative lending, but may participate in fair financial dealings if aligned with ethical guidelines.
• The emphasis is on non-violence, honesty, and compassion in financial matters.