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Encyclopedia of Buddhism Volume One A -L Robert E. Buswell

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U SURY<br />

bodhisattva or buddha not only may, but must, break<br />

conventional precepts (including monastic vows) if<br />

doing so will be beneficial. Thus, sex, violence, lying,<br />

and stealing are sometimes claimed to be permissible.<br />

This “situational” ethic leaves moral decision making<br />

less rule-bound and more flexible, and defines virtue<br />

in terms <strong>of</strong> motive rather than conduct, thereby hinting<br />

at relativism and complicating judgments regarding<br />

one’s own or others’ behavior. Nevertheless, it was<br />

widely influential throughout the Mahayana world,<br />

where it was used to justify a range <strong>of</strong> actions, including<br />

trends toward laicization, particular political and<br />

military policies, erotic and terrifying elements in<br />

Tantra, and the behavior <strong>of</strong> spiritual masters. Especially<br />

in tantric and Chan traditions, training sometimes<br />

contravened standard morality and disciples<br />

were advanced using unorthodox techniques that<br />

sometimes included violence.<br />

In contemporary <strong>Buddhism</strong>, upaya remains a crucial<br />

concept, helping to shape ongoing debates about how<br />

the dharma is to be expressed and transmitted, what<br />

range <strong>of</strong> practices is appropriate for Buddhists, how ethical<br />

decisions are to be made and judged, where WAR<br />

and politics fit into <strong>Buddhism</strong>, and what constitutes<br />

proper behavior by teachers toward their disciples.<br />

See also: Paramita (Perfection); Prajña (Wisdom)<br />

Bibliography<br />

Keown, Damien. The Nature <strong>of</strong> Buddhist Ethics. New York: Palgrave,<br />

2001.<br />

Lopez, Donald S., Jr., ed. Buddhist Hermeneutics. Honolulu:<br />

University <strong>of</strong> Hawaii Press, 1992.<br />

Pye, Michael. Skilful Means: A Concept in Mahayana <strong>Buddhism</strong>.<br />

London: Duckworth, 1978.<br />

Tatz, Mark, trans. The Skill in Means (Upayakauśalya) Su tra.<br />

Delhi: Motilal Banarsidass, 1994.<br />

Thurman, <strong>Robert</strong> A. F., trans. The Holy Teaching <strong>of</strong> Vimalaklrti:<br />

A Mahayana Scripture. University Park: Pennsylvania State<br />

University Press, 1976.<br />

Watson, Burton, trans. The Lotus Su tra. New York: Columbia<br />

University Press, 1993.<br />

USURY<br />

ROGER R. JACKSON<br />

Money lending is one <strong>of</strong> many business ventures practiced<br />

by Buddhist monks. Although commercial activities<br />

are not usually associated with <strong>Buddhism</strong>, from the<br />

inception <strong>of</strong> Buddhist communities as landowners to<br />

restaurants run by American Zen communities, monasteries<br />

have long been involved in a wide variety <strong>of</strong> economic<br />

enterprises. Because <strong>Buddhism</strong> identifies DESIRE,<br />

rather than the objects <strong>of</strong> desire, as a source <strong>of</strong> suffering,<br />

wealth per se is not condemned; on the contrary,<br />

the proper use and enjoyment <strong>of</strong> wealth is encouraged.<br />

Commercial operations within the monastery also reflect<br />

<strong>Buddhism</strong>’s origins in the urban, mercantile centers<br />

<strong>of</strong> ancient India and in the systems <strong>of</strong> exchange,<br />

trade, and commerce, as well as the legal status <strong>of</strong> property<br />

and ownership, that developed there. The spread<br />

<strong>of</strong> <strong>Buddhism</strong> along trade routes meant that <strong>Buddhism</strong><br />

and commerce traveled hand-in-hand. In China, for example,<br />

the innovation <strong>of</strong> lending banks was introduced<br />

by Buddhists traveling from India. The material needs<br />

<strong>of</strong> Buddhist devotional practice also encouraged the development<br />

<strong>of</strong> various crafts and guilds, as well as construction,<br />

agriculture, and other technologies.<br />

Capital resources were provided by a model <strong>of</strong> the<br />

pure gift in which the laity contributed material goods<br />

to the monastic community (dana) in return for religious<br />

merit (punya) that would enable better circumstances<br />

in future rebirths. As the wandering community<br />

<strong>of</strong> Buddhist renunciants quickly came to live the settled<br />

life <strong>of</strong> the vihara (monastery), monastic regulations<br />

began to allow the accumulation <strong>of</strong> donations beyond<br />

the immediate needs <strong>of</strong> the community. Some communities<br />

permitted such surplus to be used to endow<br />

funds that would generate interest for the purchase <strong>of</strong><br />

clothing, food, and other community needs, or even for<br />

reinvestment. Because the funds generated interest<br />

and the principal investment was not depleted, they<br />

were called “inexhaustible” or “permanent” goods<br />

(aksayanlvl; Chinese, wujinzai). With the lands, serfs,<br />

livestock, grains, oil, cloth, gold, and silver thus acquired,<br />

renunciant communities were able to undertake<br />

a great variety <strong>of</strong> investment and commercial<br />

ventures. Later Chinese pilgrims reported that Indian<br />

monks supported themselves primarily by their land<br />

holdings and interest-bearing investments, rather than<br />

by daily rounds <strong>of</strong> alms seeking.<br />

Lending at interest was one such practice. The assets<br />

lent from the inexhaustible goods could be commodities<br />

such as cloth, food, oils, seed, and other<br />

goods donated to the monastery. The lendable assets<br />

may also have included monies generated from land<br />

rents, commercial activities, and investments. The<br />

PRECEPTS <strong>of</strong> the various Indian schools give permission<br />

and rudimentary procedures for these lending<br />

872 E NCYCLOPEDIA OF B UDDHISM

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