v1-5: Having dealt with the attacks and threats from outside, problems arose from within. The wall, however strong, would be useless against such problems. There was poverty, famine, debt, slavery amongst the Jews. Although circumstances had been difficult, there had been an attitude of selfishness and greed, rather than a willingness to help others, especially the poor.
v6: Nehemiah was very angry, but he gave the matter some serious thought; his criticism (v7-10) was followed by his solution (v11-13).
v7-9: The nobles and rulers were particularly guilty, had leant money to the Jews to pay their taxes (v4), charging interest, which they became unable to repay, so they had sold their children as slaves. They had already mortgaged their land because of the famine. This is a typical cycle of poverty, out of which few can break.
The nobles and rulers had lined their own pockets while their brethren suffered. We are to treat our brethren fairly; 1 Cor 6.1-11; we are not to behave like unbelievers (Ps 15.5).
Nehemiah's words silenced the nobles and rulers, for they knew they were guilty.
v10: Nehemiah himself had leant the people grain and money to help them through the difficult times; but the charging of interest had to stop.
v11: Nehemiah commanded full restoration of everything they had taken, done to the last hundredth.
v12-13: There was full agreement from the people to put things right. Clearly, if the people were in unity over these issues, the poor would be provided for.
v14-18: In summary, Nehemiah recorded his own generous attitude; compare Paul's attitude in 1 Cor 9. The previous governors (Tattenai, Ezra 5.3) had lived in some luxury at the expense of the people. Although Nehemiah had the right to the governor's provisions, he did not claim that right, such was his fear of God and concern for the people (John 5.44). He also turned down the opportunity to buy land, for he had a greater work to do.
The daily provision was not great, considering that 150 Jews and rules, plus visitors, had to be fed.