In some instances the money-lender founded a business which lasted for a number of generations and brought a large part of the property of the country into the possession of the firm. This was notably the case with the great firm of Egibi, established at Babylon before the time of Sennacherib, which in the age of the Babylonian empire and Persian conquest became the Rothschilds of the ancient world. It lent money to the state as well as to individuals, it undertook agencies for private persons, and eventually absorbed a good deal of what was properly attorney's business. Deeds and other legal documents belonging to others as well as to members of the firm were lodged for security in its record-chambers, stored in the great earthenware jars which served as safes. The larger part of the contract-tablets from which our knowledge of the social life of later Babylonia is derived has come from the offices of the firm.

In the early days of Babylonia the interest upon a loan was paid in kind.

The obligation to repay the loan on “the day of the harvest” is a survival from the time when all payments were in kind, and the creditor had a right to the first-fruits of the debtor's property. A contract dated in the reign of Khammurabi, or Amraphel, similarly stipulates that interest on a loan made to a certain Arad-ilisu by one of the female devotees of the Sun-god, should be paid into the treasury of the temple of Samas “on the day of the harvest.” The interest was reckoned at so much a month, as in the East to-day; originally it had to be paid at the end of each month, according to the literal terms of the agreement, but as time went on it became usual to reserve the payment to the end of six months or a year. It was only where the debtor was not considered trustworthy or the security was insufficient that the literal interpretation of the agreement was insisted on.

At times, however, money was lent upon the understanding that interest would be charged upon it only if it were not repaid by a specified date. Thus in the ninth year of Samas-sum-yukin half a maneh was lent by Suma to Tukubenu on the fourth of Marchesvan, or October, upon which no interest was to be paid up to the end of the following Tisri, or September, which corresponded with “the day of the harvest” of the older contracts; but after that, if the money were still unpaid, interest at the rate of half a shekel a month, or ten per cent., would be charged. At other times the interest was paid by the year, as with us, and not by the month; in this case it was at a lower rate than the normal twenty per cent. In the fourteenth year of Nabopolassar, for example, a maneh of silver was lent at the rate of 7 shekels on each maneh per annum—that is to say, at eleven and two-thirds per cent.—and under Nebuchadnezzar money was borrowed at annual interest of 8 shekels for each maneh, or thirteen and one-third per cent.

The talent, maneh, and shekel were originally weights, and had been adopted by the Semites from their Sumerian predecessors. They form part of that sexagesimal system of numeration which lay at the root of Babylonian mathematics and was as old as the invention of writing. So thoroughly was sixty regarded as the unit of calculation that it was denoted by the same single wedge or upright line as that which stood for “one.” Wherever the sexagesimal system of notation prevailed we may see an evidence of the influence of Babylonian culture.

It was the maneh, however, and not the talent, which was adopted as the standard. The talent, in fact, was too heavy for such a purpose; it implied too considerable an amount of precious metal and was too seldom employed in the daily business of life. The Babylonian, accordingly, counted up from the maneh to the talent and down to the shekel.

A similar “tongue” of gold “of fifty shekels weight” is referred to in Josh. vii. 21, in connection with that “goodly Babylonish garment” which was carried away by Achan from among the spoils of Jericho. It is probable that the shekels and manehs of Babylonia were originally cast in the same tongue-like form. In Egypt they were in the shape of rings and spirals, but there is no evidence that the use of the latter extended beyond the valley of the Nile. In Western Asia it was rather bars of metal that were employed.

The Egibi firm was not the only great banking or trading establishment of which we know in ancient Babylonia. The American excavators at Niffer have brought to light the records of another firm, that of Murasu, which, although established in a provincial town and not in the capital, rose to a position of great wealth and influence under the Persian kings Artaxerxes I. (464-424 B.C.) and Darius II. (424-405 B.C.). The tablets found at Tello also indicate the existence of similarly important trading firms in the Babylonia of 2700 B.C., though at this period trade was chiefly confined to home products, cattle and sheep, wool and grain, dates and bitumen.

We can hardly reckon among Babylonian professions that of the poet. It is true that a sort of poet-laureate existed at the court, and that we hear of a piece of land being given by the King to one of them for some verses which he had composed in honor of the sovereign. But poetry was not a separate profession, and the poet must be included in the class of scribes, or among those educated country gentlemen who possessed estates of their own. He was, however, fully appreciated in Babylonia. The names of the chief poets of the country were never forgotten, and the poems they had written passed through edition after edition down to the later days of Babylonian history. Sin-liqi-unnini, the author of the “Epic of Gilgames,” Nis-Sin, the author of the “Adventures of Etana,” and many others, never passed out of literary remembrance. There was a large reading public, and the literary language of Babylonia changed but little from century to century.

Besides single musicians, there were bands of performers, and at times the music was accompanied by dancing or by clapping the hands. The bands were under the conduct of leaders, who kept time with a double rod. In one instance the Assyrian artist has represented three captives playing on a lyre, an interesting illustration of the complaint of the Jewish exiles in Babylonia that their conquerors required from them “a song.”

Some of the earlier Chaldean monarchs call themselves sons of the goddesses who were worshipped in the cities over which they held sway. They thus claimed to be of divine descent, not by adoption, but by actual birth. The divinity that was in them was inherited; it was not merely communicated by a later and artificial process. The “divine right,” by grace of which they ruled, was the right of divine birth.

It is paralleled by the apotheosis of the King in ancient Egypt. There, too, the Pharaoh was regarded as an incarnation of divinity, to whom shrines were erected, priests ordained, and sacrifices offered. In early times he was, moreover, declared to be the son of the goddess of the city in which he dwelt; it was not till the rise of the fifth historical dynasty that he became the “Son of the Sun-god” of Heliopolis, rather than Horus, the Sun-god, himself. This curious parallelism is one of many facts which point to intercourse between Babylonia and Egypt in the prehistoric age; whether the deification of the King originated first on the banks of the Euphrates or of the Nile must be left to the future to decide.

The conception of the King as a visible god upon earth was unable to survive the conquest of Babylonia by the half-civilized mountaineers of Elam and the substitution of foreigners for the Semitic or Semitized Sumerian rulers of the country. As the doctrine of the divine right of kings passed away in England with the rise of the Hanoverian dynasty, so, too, in Babylonia the deified King disappeared with the Kassite conquest. But he continued to be supreme pontiff to the adopted son of the god of Babylon. Babylon had become the capital of the kingdom, and Merodach, its patron-deity, was, accordingly, supreme over the other gods of Chaldea. He alone could confer the royal powers that the god of every city which was the centre of a principality had once been qualified to grant. By “taking his hands” the King became his adopted son, and so received a legitimate right to the throne.

Cyrus and Cambyses continued the tradition of the native kings. They, too, claimed to be the successors of those who had ruled over Western Asia, and Bel, of his own free choice, it was alleged, had rejected the unworthy Nabonidos and put Cyrus in his place. Cyrus ruled, not by right of conquest, but because he had been called to the crown by the god of Babylon. It was not until the Zoroastrean Darius and Xerxes had taken Babylon by storm and destroyed the temple of Bel that the old tradition was finally thrust aside. The new rulers of Persia had no belief in the god of Babylon; his priesthood was hostile to them, and Babylon was deposed from the position it had so long occupied as the capital of the world.

The conception of the supreme god himself differed in Assyria and Babylonia. In Babylonia, Bel-Merodach was “lord” of the city; in Assyria, Assur was the deified city itself. In the one case, therefore, the King was appointed vicegerent of the god over the city which he governed and preserved; in the other case the god represented the state, and, in so far as the King was a servant of the god, he was a servant also of the state.

The taxes of the empire were carefully regulated. A cadastral survey was an institution which had long been in existence; it had been borrowed from Babylonia, where, as we have seen, it was already known at a very early epoch. The amount to be paid into the treasury by each town and province was fixed, and the governor was called upon to transmit it each year to Nineveh. Thus in the time of Sennacherib the annual tribute of Carchemish was 100 talents, that of Arpad 30, and that of Megiddo 15, while, at home, Nineveh was assessed at 30 talents, and the district of Assur at 20, which were expended on the maintenance of the fleet, the whole amount of revenue raised from Assyria being 274 talents. Besides this direct taxation, there was also indirect taxation, as well as municipal rates. Thus a tax was laid upon the brick-fields, which in Babylonia were economically of considerable importance, and there was an octroi duty upon all goods, cattle, and country produce which entered a town. Similar tolls were exacted from the ships which moored at the quays, as well as from those who made use of the pontoon-bridges which spanned the Euphrates or passed under them in boats.

Long lists of officials have been preserved. Certain of the governors or satraps were allowed to share with the King the privilege of giving a name to the year. It was an ingenious system of reckoning time which had been in use in Assyria from an early period and was introduced into Cappadocia by Assyrian colonists. From Asia Minor it probably spread to Greece; at all events, the eponymous archons at Athens, after whom the several years were named, corresponded exactly with the Assyrian limmi or eponyms. Each year in succession received its name from the eponym or officer who held office during the course of it, and as lists of these officers were carefully handed down it was easy to determine the date of an event which had taken place in the year of office of a given eponym. The system was of Assyrian invention and never prevailed in Babylonia. There time was dated by the chief occurrences of a king's reign, and at the end of the reign a list of them was drawn up beginning with his accession to the throne and ending with his death and the name of his successor. These lists went back to an early period of Babylonian history and provided the future historian with an accurate chronology.

The army was divided into companies of a thousand, a hundred, fifty, and ten, and we hear of captains of fifty and captains of ten. Under Tiglath-pileser III. and his successors it became an irresistible engine of attack. No pains were spared to make it as effective as possible; its discipline was raised to the highest pitch of perfection, and its arms and accoutrements constantly underwent improvements. As long as a supply of men lasted, no enemy could stand against it, and the great military empire of Nineveh was safe.

The chariots were of little good when the fighting had to be done in a mountainous country. In the level parts of Western Asia, where good roads had existed for untold centuries, they were a powerful arm of offence, but the Assyrians were constantly called upon to attack the tribes of the Kurdish and Armenian mountains who harassed their positions, and in such trackless districts the chariots were an incumbrance and not a help. Trees had to be cut down and rocks removed in order to make roads along which they might pass. The Assyrian engineers indeed were skilled in the construction of roads of the kind, and the inscriptions not infrequently boast of their success in carrying them through the most inaccessible regions, but the necessity for making them suitable for the passage of chariots was a serious drawback, and we hear at times how the wheels of the cars had to be taken off and the chariots conveyed on the backs of mules or horses. It was not wonderful, therefore, that the Assyrian kings, who were practical military men, soon saw the advantage of imitating the custom of the northern and eastern mountaineers, who used the horse for riding purposes rather than for drawing a chariot. The chariot continued to be employed in the Assyrian army, but rather as a luxury than as an effective instrument of war.

Changes were introduced by Sennacherib, who abolished the inconveniently long robe of the second class of heavy-armed archers, and gave them leather greaves and boots. The first class, on the other hand, are now generally represented without sandals, and with an embroidered turban with lappets on the head. Sennacherib also established a corps of slingers, who were clad in helmet and breastplate, leather drawers, and short boots, as well as a company of pioneers, armed with double-headed axes, and clothed with conical helmets, greaves, and boots. These pioneers were especially needed for engineering the way through the pathless defiles and rugged ground over which the extension of the empire more and more required the Assyrian army to make its way.

The heads of the spears and arrows were of metal, usually of bronze, more rarely of iron. The helmets also were of bronze or iron, a leather cap being worn underneath them, and the coats-of-mail were formed of bronze scales sewn to a leather shirt. Many of the shields, moreover, were of metal, though wicker-work covered with leather seems to have been preferred. Battering-rams and other engines for attacking a city were carried on the march.

The Assyrian army was originally recruited from the native peasantry, who returned to their fields at the end of a campaign with the spoil that had been taken from the enemy. Under the second Assyrian empire, however, it became a standing army, a part of which was composed of mercenaries, while another part consisted of troops drafted from the conquered populations. Certain of the soldiers were selected to serve as the body-guard of the King; they had a commander of their own and doubtless possessed special privileges. The army was recruited by conscription, the obligation to serve in it being part of the burdens which had to be borne by the peasantry. They could be relieved of it by the special favor of the government just as they could be relieved of the necessity of paying taxes.

If Babylonia copied Assyria in military arrangements, the converse was the case as regards a fleet. “The cry of the Chaldeans,” according to the Old Testament, was “in their ships,” and in the earliest age of Babylonian history, Eridu, which then stood on the sea-coast, was already a sea-port. But Assyria was too far distant from the sea for its inhabitants to become sailors, and the rapid current of the Tigris made even river navigation difficult. In fact, the rafts on which the heavy monuments were transported, and which could float only down stream, or the small, round boats, resembling the kufas that are still in use, were almost the only means employed for crossing the water. When the Assyrian army had to pass a river, either pontoons were thrown across it, or the soldiers swam across the streams with the help of inflated skins. The kufa was made of rushes daubed with bitumen, and sometimes covered with a skin.

Of the Babylonian fleet we know but little. It does not seem to have taken part in the defence of the country at the time of the invasion of Cyrus. But the sailors who manned it were furnished with food, like the soldiers of the army, from the royal storehouse or granary. Thus in the sixteenth year of Nabonidos we have a memorandum to the effect that 210 qas of dates were sent from the storehouse in the month Tammuz “for the maintenance of the sailors.” The King also kept a state-barge on the Euphrates, like the dahabias of Egypt. In the twenty-fourth year of Darius, for instance, a new barge was made for the monarch, two contractors undertaking to work upon it from the beginning of Iyyar, or April, to the end of Tisri, or September, and to use in its construction a particular kind of wood.

A letter written in the time of Khammurabi, or Amraphel, throws some light on the profits that were made by conveying passengers. There were ships which conveyed foreign merchants to Babylon if they were furnished with passports allowing them to travel and trade in the dominions of the Babylonian King. They took their goods and commodities along with them; on one occasion, we are told, the boat in which some of them travelled had been used for the conveyance of 10 talents of lead. It must, therefore, have been of considerable size and draught.

When Abraham was born at Ur of the Chaldees, Babylonia was governed by a dynasty of South Arabian origin whose names had to be translated into the Babylonian language. Throughout the country there were colonies of “Amorites,” from Syria and Canaan, doubtless established there for the purposes of trade, who enjoyed the same rights as the native Babylonians. They could hold and bequeath land and other property, could buy and sell freely, could act as witnesses in a case where natives alone were concerned, and could claim the full protection of Babylonian law.

Whether or not this right was restricted to particular districts, we do not know. In Syria, in later days, “streets,” or rows of shops in a city, could be assigned to the members of another nationality by special treaty, as we learn from I Kings xx. 34, and at the end of the Egyptian eighteenth dynasty we hear of a quarter at Memphis being given to a colony of Hittite merchants, but such special assignments of land may not have been the custom in ancient Chaldea. The Amorites of Canaan may have been allowed to settle wherever they liked, and the origin of the title “district of the Amorites” may have simply been due to the tendency of foreign settlers to establish themselves in the same locality. The fact that Arad-Sin seems to have been a Babylonian, and that his action was brought before Babylonian judges, is in favor of the view that such was the case.

Mr. Pinches is probably right in seeing the name “Israel” itself in that of a high-priest who lived in the district of the Amorites outside Sippara in the reign of Ammi-zadok. His name is written Sar-ilu, and it was by his order that nine acres of ground “in the district of the Amorites” were leased for a year from two nuns, who were devotees of the Sun-god, and their nieces. Six measures of grain on every ten acres were to be paid to the Sun-god at the gate of Malgia, the women themselves receiving a shekel of silver as rent, and the field was to be handed back to them at harvest-time, the end of the agricultural year. That the women in the Amorite settlements enjoyed the same freedom and powers as the women of Babylonia is shown by two documents, one dated in the reign of the second King of the dynasty to which Khammurabi belonged, the other in the reign of Khammurabi's great-grandfather. In the first, Kuryatum, the daughter of an Amorite, receives a field of more than four acres of which she had been wrongfully deprived; in the second, the same Kuryatum and her brother Sumu-rah are sued by the three children of an Amorite, one of whom is a woman, for the recovery of a field, house, slaves, and date-palms. The case was brought before “the judges of Bit-Samas,” “the Temple of the (Babylonian) Sun-god,” who rejected the claim.

A grant of immunity from taxation and other burdens could be made to the inhabitants of a whole district. A deed exists, signed by a large number of witnesses, in which Nebuchadnezzar I. of Babylon (about 1200 B.C.) makes a grant of the kind to the district of Bit-Karziyabku in the mountains of Namri to the east of Babylonia. We read in it that, throughout the whole district, neither the royal messengers nor the governor of Namri shall have any jurisdiction, no horses, foals, mares, asses, oxen, or sheep shall be carried off by the tax-gatherers, no stallions shall be sent to the royal stables, and no taxes of grain and fruit shall be paid to the Babylonian treasury. Nor shall any of the inhabitants be impressed for military service. It speaks volumes for the commercial spirit of the Babylonians that a royal decree of this character should have been thrown into legal form, and that the names of witnesses should have been attached to it, just as if it had been a contract between two private persons. The contrast is striking with the decree issued by the Assyrian King, Assur-bani-pal, to his faithful servant Nebo-sar-uzur. All that was needed where the King of Assyria was concerned was his signet-seal and royal command. But Assur-bani-pal was an autocrat at the head of a military state. The Babylonian sovereign governed a commercial community and owed his authority to the priests of Bel.