Manusmriti
यः स्वामिनाऽननुज्ञातमाधिं भूङ्क्तेऽविचक्षणः । तेनार्धवृद्धिर्मोक्तव्या तस्य भोगस्य निष्कृतिः ॥ १५० ॥
The fool who uses a pledge without the permission of the owner, shall remit half of his interest, as a compensation for (such) use.
english translation
yaH svAminA'nanujJAtamAdhiM bhUGkte'vicakSaNaH । tenArdhavRddhirmoktavyA tasya bhogasya niSkRtiH ॥ 150 ॥
hk transliteration by Sanscript