One Who Takes A Loan With The Intention Of Repaying It
Darussalam · Volume 3
15. The ChaptersOn CharitySunan Ibn Majah Darussalam English translation
الحديث: 2408 ¦ الجزء: 2 ¦ الصفحة: 805
Source no. 2408 · Volume 5 · Page 408
Sahih · qualified assessment
صحيح - دون قوله: "فى الدنيا" -، الصحيحة (١٠٢٩) ، التعليق الرغيب (٣ / ٣٣) ، أحاديث البيوع
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2408. It was narrated that the Mother of the Believers Maimunah used to take out loans frequently, and some of her family said: "Do not do that," and they denounced her for that. She said: "No, I heard my Prophet ﷺ and my close friend say: 'There is no Muslim who takes out a loan and Allāh knows that he intends to pay it back, but Allāh will pay it back for him in this world.'" (Hasan)
2408 - حَدَّثَنَا أَبُو بَكْرِ بْنُ أَبِي شَيْبَةَ قَالَ: حَدَّثَنَا عَبِيدَةُ بْنُ حُمَيْدٍ، عَنْ مَنْصُورٍ، عَنْ زِيَادِ بْنِ عَمْرِو بْنِ هِنْدٍ، عَنِ ابْنِ حُذَيْفَةَ هُوَ عِمْرَانُ، عَنْ أُمِّ الْمُؤْمِنِينَ مَيْمُونَةَ، قَالَ: كَانَتْ تَدَّانُ دَيْنًا، فَقَالَ لَهَا بَعْضُ أَهْلِهَا: لَا تَفْعَلِي، وَأَنْكَرَ ذَلِكَ عَلَيْهَا، قَالَتْ: بَلَى، إِنِّي سَمِعْتُ نَبِيِّي وَخَلِيلِي صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ، يَقُولُ: «مَا مِنْ مُسْلِمٍ يَدَّانُ دَيْنًا، يَعْلَمُ اللَّهُ مِنْهُ أَنَّهُ يُرِيدُ أَدَاءَهُ، إِلَّا أَدَّاهُ اللَّهُ عَنْهُ فِي الدُّنْيَا»
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To borrow at the time of need is allowed and legal but it is better to avoid it. At the time of borrowing it should be the sincere intention to pay back the loan as soon as possible. Allāh ﷺ helps those who sincerely intend and try to repay the debt.