Proverbs 20:16  Take his garment that is surety for a stranger: and take a pledge of him for a strange woman. 

This Scripture teaches prudence, caution, and risk management in both financial and personal dealings (27:13). It refers to the requirement of security or collateral when someone guarantees a debt for another, especially a stranger. In ancient Israel, the garment was often pledged as security, as it was essential personal property.

Do not rely solely on verbal assurances; ensure that obligations are secured to prevent potential loss. Exercise prudence and wisdom in financial dealings, especially with unfamiliar parties.

‘And take a pledge of him for a strange woman.’ Hebrew: nokriy – a foreign or unfamiliar woman. This emphasises caution in relationships or commitments involving outsiders, who may have unknown motives or customs.

Scripture warns against the seductive influence of a strange woman (2:16) and highlights the danger of her smooth words and deceit (5:3). Prudence and caution are required when dealing with unfamiliar or potentially untrustworthy persons.

Secure obligations when acting as surety or when trusting others with your resources. Be cautious in dealings with strangers or unfamiliar persons to avoid being ensnared. Recognise that wisdom involves foresight and preventive measures, not just good intentions. Prudence protects against loss: require security and exercise discernment when dealing with strangers or potentially untrustworthy individuals, whether in finances or personal relationships.