The Chapters on Charity
كتاب الصدقات
Chapter 10: One Who Takes A Loan With The Intention Of Repaying It
“Allah will be the borrower until he pays off his debt, so long as it (the loan) is not for something that Allah dislikes.”
Chapter 11: One Who Takes A Loan With No Intention Of Repaying It
“Any Man who takes out a loan, having resolved not to pay it back, will meet Allah (SWT) as a thief.”
“Whoever takes people's wealth with the intention of destroying it, Allah (SWT) will destroy him.”
Chapter 12: Stern Warning Concerning Debt
“Anyone whose soul leaves his body and he is free of three things, will enter Paradise: Arrogance, stealing from the spoils of war, and debt.”
“The soul of the believer is attached to his debt until it is paid off.”
“Whoever dies owing a Dinar or a Dirham, it will be paid back from his good deeds, because then there will be no Dinar or Dirham.”
Chapter 13: If A Man Leaves Behind A Debt Or Children, Then Allah (SWT) And His Messenger Are Respon
if a believer died at the time of the Messenger of Allah (ﷺ) and he had debts, the Messenger of Allah (ﷺ) would ask: “Did he leave anything with which to off his debt?” If they said yes, then he would offer the funeral prayer for him, but if they said no, then he would say: “Pray for your companion.” When Allah granted his Prophet (ﷺ) the conquests, he said: “I am nearer to the believers than their own selves. Whoever dies owing a debt, I will pay it off for him, and whoever leaves behind wealth, it will be for his heirs.”
“Whoever leaves behind money, it is for his heirs, and whoever leaves behind a debt for children, I am nearer to the believers.”
Chapter 14: Giving Respite To One Who Is In Difficulty
Whoever is easy with (a debtor) who is in difficulty, Allah will be easy with him in this world and in the Hereafter.”
“Whoever gives respite to one in difficulty, he will have (the reward of) an act of charity for each day. Whoever gives him respite after payment becomes due, will have (the reward of) an act of charity equal to (the amount of the loan) for each day.”
the Messenger of Allah (ﷺ) said: “Whoever would like Allah to shade him with His shade, let him give respite to one in difficulty, or waive repayment of the loan.”
“A man died and it was said to him: 'What did you do?' Either he remembered or was reminded and said: 'I used to be easy going in coins and cash collecting debts due, and I used to give respite to (the debtor) who was in difficulty. So, Allah (SWT) forgave him.' ” Abu Masud said: “I heard that from the Messenger of Allah (ﷺ).”
Chapter 15: Asking In A Polite Manner And Taking One's Rights Without Behaving In An Indecent Manner
“Whoever demands his rights let him do so in a decent manner as much as he can.”
“Take your rights in a decent manner as much as he can.”
Chapter 16: Paying Off Debts In A Good Manner
“The best of you - or among the best of you - are those who pay off their debts in the best manner.”
the Prophet (ﷺ) borrowed thirty or forty thousand from him, when he fought at Hunain. When he came back he paid the loan, then the Prophet (ﷺ) said to him: 'May Allah (SWT) bless your family and your wealth for you. The reward for lending is repayment and words of paradise.”
Chapter 17: The One Who Has A Right Authority (Over The Debtor)
“A man came to ask the Prophet of Allah (ﷺ) for some debt or some right, and he spoke harshly to him, and the Companions of the Messenger of Allah (ﷺ) wanted to rebuke him. But the Messenger of Allah (ﷺ) said: 'Let him be, for the one who is owed something has authority over the debtor, until it is paid off.' ”
“A Bedouin came to the Prophet (ﷺ) to ask him to pay back a debt that he owed him, and he spoke harshly, saying: 'I will make things difficult for you unless you repay me.' His Companions rebuked him and said: 'Woe to you, do you know who you are speaking to?' He said: 'I am only asking for my rights.' The Prophet (ﷺ) said: 'Why do you not support the one who has a right?' Then he sent word to Khawlah bint Qais, saying to her: 'If you have dates, lend them to us until our dates come, then we will pay you back.' She said: 'Yes, may my father be ransomed for you, O Messenger of Allah (ﷺ)!' So she gave him a loan, and he paid back the Bedouin and fed him. He (the Bedouin) said: 'You have paid me in full, may Allah (SWT) pay you in full.' He (the Prophet (ﷺ) ) said: 'Those are the best of people. May that nation not be cleansed (of sin) among whom the weak cannot get their rights without trouble.' ”
Chapter 18: Imprisonment Because Of Debts And Pursuing Debtors
“If one who can afford it delays repayment, his honor and punishment become permissible.”
“I came to the Prophet (ﷺ) with a man who owed me money, and he said to me: 'Keep him.' Then he passed by me at the end of the day and said: 'What did your prisoner do, O brother of Banu Tamim?' ”