In Islam, borrowing and lending is a serious and ethical matter. The Qur’an lays down clear principles to ensure justice, trust, and protection of rights, so that neither the lender nor the borrower is treated unfairly.
📖 The Longest Verse of the Qur’an on Debt
“O you who believe! When you contract a debt for a fixed period, write it down.”
(Surah Al-Baqarah 2:282)
This verse shows that:
- Debt is not a casual matter in Islam
- It should be documented in writing to avoid disputes
✨ Qur’anic Principles for Lending
1️⃣ Lend with Good Intention (Qard Hasan)
“Who is it that will give Allah a goodly loan?”
(Surah Al-Baqarah 2:245)
- Lending should be done sincerely
- No interest or personal benefit should be demanded
2️⃣ Write the Debt and Appoint Witnesses
- Written agreements protect both parties
- Witnesses ensure fairness and transparency
3️⃣ Show Ease to the Debtor
“And if the debtor is in hardship, then grant him time until ease.”
(Surah Al-Baqarah 2:280)
- Giving time to a struggling borrower is highly rewarded
- Harshness and pressure are discouraged
✨ Qur’anic Principles for Borrowing
1️⃣ Borrow Only for Genuine Need
- Borrowing for wasteful purposes is discouraged
2️⃣ Have a Firm Intention to Repay
“Indeed, Allah commands you to render trusts to whom they are due.”
(Surah An-Nisa 4:58)
- Repaying debt is a trust and moral obligation
3️⃣ Repay on Time
- Delaying payment without reason is injustice
- Fulfilling promises is a sign of faith
⚖️ Strict Prohibition of Interest (Riba)
“Allah has permitted trade and forbidden interest.”
(Surah Al-Baqarah 2:275)
- Any increase or benefit demanded on a loan is haram
- Interest-based lending is strictly prohibited
📌 Summary of Qur’anic Guidelines on Debt
| Principle | Explanation |
|---|---|
| Documentation | Write the debt |
| Intention | Sincerity and honesty |
| Mercy | Give time in hardship |
| Interest | Completely forbidden |
| Repayment | Mandatory and timely |
🤲 Conclusion
According to the Qur’an, borrowing and lending is a matter of trust and worship.
✔️ The lender should show mercy
✔️ The borrower should act with honesty
✔️ Both must follow Allah’s guidance
This ensures justice, balance, and peace in society.
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