A personal note of hand (cheirographon) from Oxyrhynchus in which a son of Sarapion acknowledges receiving a loan of 200 silver drachmas and promises to repay it by the 30th of Mesore. Failure to repay brings a 50% penalty plus interest, with execution against the debtor and his property. It is dated 20 February AD 34.
In English machine translation
[… lines lost …]
[…]
[…] son of Sarapion, greetings. I acknowledge that I have received from you at Oxyrhynchus city, from hand to hand, out of your house, 200 drachmas of silver of the Augustan and Ptolemaic coinage, total 200 silver drachmas of capital, to which nothing at all has been added, which I will also repay to you on the 30th of Mesore of the current 20th year of Tiberius Caesar Augustus without any delay. If I do not repay as written, I will pay you the aforesaid capital with an additional half, and for the overdue time the appropriate interest, you having the right of execution upon me and upon all my property, as if by a court judgment. This note of hand is valid wherever it is produced and for anyone who produces it.
Year 20 of Tiberius Caesar Augustus, Mecheir 26.
The opening with the names of lender and borrower is lost; only the borrower's father's name, Sarapion, survives. The phrase 'with an additional half' (hemiolia) is the standard 50% penalty for late repayment.
Working translation of the DDbDP edition, made with Claude Opus 5.5 from the edition and the catalogue records shown below (catalogued as Loan of Money). It has not been reviewed by a papyrologist: check the edition before citing. Restorations follow the edition; […] marks lost text and (?) an uncertain reading.