Islamic Ethics

IN REGARD TO DEBTS

 

Islam encourages us that we repay our debts as soon as we are able to. We are to return the favor with our thanks and gratitude. He who does not, is committing an indecent act, and Islam discourages such a tendency very much. He who returns his debt is like someone who returns his trust; he will be regarded as dependable, decent, and the favor done to him has been returned with appreciation. He who doesn’t return his debt, is betraying his trust, losing the confidence in him, and God will ask him about that in due time.

 

The Almighty says in his Holy Book.

 

یا اَیها الذینَ امَنوا اُذا تَدایَنتُم بِدینٍ اِلی

 

اَجٍَل مُسَمی فَاکتُبوهُ وَلیَکتُب بَینَکُم کاتِبٌ بِالعَدلِ

 

“WHEN YOU DEAL WITH EACH OTHER IN CONTRACTION A DEBT FOR A FIXED TIME, WRITE IT DOWN……………………….AND FROM AMONG YOU, LET SOMEONE WRITE IT FAITHFULLY.”

 

(AL-Quran II-282)

 

The Prophet (P.B.U.H) has said:

 

مَن اَخَذَ اَموالَ الناسِ یُریدُ اَداءها اَدی الله عَنهُ

 

وَمَن اَخَذَ یُریدُ اِتلافِها اَتلَفهُ الله

 

“WHOEVER CONTRACTS A DEBT INTENDING TO REPAY IT, GOD WILL PAY IT ON HIS BEHALF, (MEANS GOD WILL GRANT HIM THE MEANS TO PAY IT), AND WHOEVER CONTRACTS A DEBT INTENDING TO WASTE IT, GOD WILL BRING HIM TO RUIN.”

 

“DELAYING THE PAYMENT OF DEBT BY A WELL-TO-DO PERSON IS INJUSTICE.”

 

“DEFERRING PAYMENT BY ONE WHO HAS THE MEANS TO PAY, LEGALIZES HIS PUNISHMENT AND HIS HONOR.”

 

 Islam discourages us from contracting debts, but if we have to, then it is O.K. to ahead.

 

You need the money, and you have relative and friends, and you want to borrow from them. Won’t it be nice to repay your debt as soon as you can? If you are grateful for being trusted and being given the money you need, then you should show your gratitude by paying it back.

 

He who doesn’t intend to pay back his debts, deserves disgrace and just punishment. That is become it is one way of breaking a trust, damaging others and being ungrateful.

 

It is only a “cheater” who would do such a thing, and “the Muslim” is to be the gentlemen.

 

A Good Muslim Will Remember:

 

1.      On borrowing money. He should pay it back as early as possible.

 

2.      When he pays it back soon, he proves to be trustworthy, and worthy of people’ confidence in him.

 

3.      When he pays it back, he also proves to be grateful to those who lend him what he need.

 

4.      It is good to lend friends and relatives some money if they are in need, but first do make sure if they are trustworthy or not.

 

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