"My people": If an Israelite and a gentile stand before you to borrow, "My people" take precedence. A poor man and a rich man — the poor man takes precedence. Your poor (i.e., the poor of your family) and the poor of your city" — your poor take precedence. The poor of your city and the poor of a different city — the poor of your city take precedence. Thus, "the poor man with you" (i.e., closest to you). "Do not be as a creditor to him": Do not appear to him, (obviously, to collect the money) at all times.