Answer:
Shylock is addressing his daughter Jessica. He is delivering this speech only to while away time. He has been invited to dinner by Bassanio to which he has half a mind to attend.
Shylock is attempting to explain to Antonio and the other characters that he is simply acting in accordance with the terms of the loan agreement and that they cannot fault him for enforcing the contract. He points out that as a moneylender, it is his job to lend money and charge interest, and that he has been mistreated and discriminated against because of his religion. He also asserts that he is a human being with feelings and desires just like anyone else, and that he should not be treated unfairly because of his religion or profession.