Assalam oalaikum,
Like the verses from the Quran, which I have discussed in my previous posts, the ahadith also throw sufficient light on the concept of loan in Islam. Here I shall mention some of them:
Narrated Anas (ra) that the Prophet (saw) said, ‘On the night when I was taken up to Heaven, I saw this written on the gates of Heaven, ‘Charity is (multiplied) ten times and a loan is (multiplied) eighteen times’. I asked Jibril, that why is a loan better than charity. He answered, ‘Because a beggar may ask even when he has wealth and a borrower may not ask for a loan except out of need’. (Reported by Ibn Majah (ibid)
Hazrat Anas (ra) reported that the Prophet (saw) said, ‘If someone of you gives a loan and the borrower sends presents to him or gives him a ride on his beast, do not accept it unless it was prevalent between them earlier’. (Ibn Majah)
Abu Hurairah narrated that Allah’s Apostle said, ‘The soul of the believer keeps hanging with his debt till it is paid’. (Ahmad, Tirmizi, Ibn Majah)
Abdullah-bin-Amr reported that the Apostle of Allah said, ‘Every sin of a martyr shall be forgiven, except debt.’ (Muslim)
Abul- Yasar reported that he heard the Apostle of Allah say that, ‘Whoever gives respite to a debtor or offers him remission, Allah will grant him a shade. (Muslim)
Imran-b-Hussain reported that the Messenger of Allah said, ‘Whoever has his dues from a man and gives him time for payment, Allah will grant him reward of charity everyday. (Ahmad)
Abdullah bin Hanjalah reported that the Messenger of Allah said, ‘A Dirham of usury that a man consumes with knowledge is greater then thirty six fornications’. (Ahmad)
Abu Musa reported that Messenger of Allah said, ‘Verily the greatest sin with which a man will meet Allah after the great sins prohibited by Him is his debt outstanding at death but leaving nothing for its payment. (Abu Dawood)
Abu Huraira reported that Messenger of Allah said, ‘Whoever takes loan with the intention of paying it back, Allah gives him means to pay it back and whoever takes loan with the intention of destroying it Allah will destroy him on its account (Bukhari)
These ahadith unambiguously highlight the Islamic principles about loans, which every Muslim ought to follow.
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