Amud 94a

תוס' ד"ה פרה

The cow with pulling and the owner with talking - פרה במשיכה ובעלים באמירה

Summary:
שאלה בבעלים means that when the item is borrowed, the owner is somewhat involved (at least) in preparation to work for the שואל. However merely agreeing to work is insufficient to be considered שאלה בבעלים.

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