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Text and translation
English translation
1265. Abū Umāmah narrated: "During the year of the Farewell Pilgrimage, I heard the Prophet ﷺ saying during the Khutbah: 'The borrowed is to be returned, and the guarantor is responsible, and the debt is to be repaid.'" (Hasan)
[Abū 'Eisā said:] There are narrations on this topic from Samurah, Ṣafwān bin Umayyah, and Anas. [He said:] The Hadīth of Abū Umāmah is a Ḥasan [Gharīb] Hadīth. It has also been reported through other routes besides this, from Abū Umāmah, from the Prophet ﷺ.
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Commentary
This narration proves that it is necessary and essential to return the borrowed things. There should not be any delaying tactics in the payment. Making delay in return is a moral crime. The guarantor must manage and make sure that the debt is paid.