Are all charges to a worker for a loan or advance allowed to exceed its value?

In the context of loans or advances to workers, the correct perspective is that charges must not exceed the value of the loan or advance, and typically, interest charges are prohibited. This is based on the principle of fair practice in lending, which ensures that workers are not subjected to predatory lending practices that could lead to undue financial burden. Ensuring that the charges do not exceed the value protects workers from accumulating debt that surpasses the financial assistance they initially received.

This aligns with policies that aim to maintain transparency and fairness in the employer-employee relationship. Prohibiting interest, or charging fees that exceed the loan's value, is part of safeguarding workers' financial wellbeing and ensuring that they receive fair treatment in financial transactions related to their employment.