The habit of debit and credit has become tradition in human culture as far back as. The system of debit and credit also happened in outgrowth. In hundreds years, it expand from barter system in primitive society towards variety methods, until now. There are many ways for people to get loans, and morover in easier manner. The commonly way in taking the allowance is by using bailed out. Thats why,nowdays there so many institution or person pop out to offer a term loan, such as bank, cooperative (enterprise) that emerge in saving and loan, credit union, financing instituion, loan office, and even moneylender. This research is needed to help emerge any understanding into some problem solving on how the christian ethics addressing the alternatives to face this problem of pawning.