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Debt

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Be lenient with the debtor.. The Final Prophet Muhammad (peace be on him) said:There was a merchant who used to lend money to the people. When he saw someone in difficulty (and unable to return the loan) he would say to his servants: Forgive him perhaps God will forgive us. So God forgave him. Bukhari # 2078Debt is a burden The Final Prophet Muhammad (peace be on him) said:The soul of a believer is held hostage by its debt until the debt is paid off. Thirmidhi # 1078Debt makes a person.... Someone asked the Prophet: O Messenger of God! You seek refuge with God from being in debt very often. The Final Prophet Muhammad (peace be on him) replied: "If a person is in debt he tells lies when he speaks and breaks his promises when he makes a promise." Bukhari # 2397God helps the Sincere Borrower The Final Prophet Muhammad (peace be on him) said:Whoever takes a debt with the intention of paying it back God Almighty will help him (repay the debt). Nasai # 4687Injustice in Debt The Final Prophet Muhammad (peace be on him) said:The delay in repayment (of debt) by a wealthy person is injustice. Bukhari # 2400Kindness to Borrowers The Final Prophet Muhammad (peace be on him) said:Whoever gives extra time (for returning the loan) to a borrower in difficulty will earn a daily reward equal to giving that amount in charity. Musnad Ahmad # 23046Protection from Debt The Final Prophet Muhammad (peace be on him) prayed:O God! I seek refuge with you from all sins and from being in debt. Bukhari # 2397When you pay off your debt... The Final Prophet Muhammad (peace be on him) said:The best of you are those who pay off their debts in the best manner. Ibn Majah # 2423Guidelines for Debt Transactions Record all financial transactions big or smallWritten agreements prevent doubts and disputes Ensure fairness in documentationNo need to document on-the-spot transactionsDebtor should draft or dictate the agreementUse witnesses for transactionsWitnesses must testify when requiredAvoid deceitful practicesBe mindful of God in financial dealings Quran Chapter 2 : Verse 282
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