07/01/2025
BEING KIND TO DEBTORS WHO IS FACING FINANCIAL CHALLENGES.
ALLĀH commands creditors to be patient with debtors who are having a hard time financially,
وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَى مَيْسَرَةٍ
(And If it is difficult for someone to repay a debt, postpone it until a time of ease.)
During the time of Jahiliyyah, when the debt came to term, the creditor would say to the debtor, "Either pay now or interest will be added to the debt."
ALLĀH encouraged creditors to give debtors respite regarding their debts and promised all that is good, and a great reward from HIM for this righteous deed,
وَأَن تَصَدَّقُواْ خَيْرٌ لَّكُمْ إِن كُنتُمْ تَعْلَمُونَ
(And if you waive it as an act of charity, it will be better for you, if only you knew.),
meaning, if you forfeit your debts and cancel them completely.
Imam Ahmad recorded that Sulayman bin Buraydah said that his father said,
'I heard the Messenger of ALLĀH ﷺ say,
"Whoever gives time to a debtor facing hard times, will gain charity of equal proportions for each day he gives."'...
Ahmad recorded that Muhammad bin Kab Al-Qurazi said that;
Abu Qatadah had a debt on a man, who used to hide from Abu Qatadah when he looked for him to pay what he owed him. One day, Abu Qatadah came looking for the debtor and a young boy came out, and he asked him about the debtor and found out that he was in the house eating.
Abu Qatadah said in a loud voice, "O Fellow! Come out, for I was told that you are in the house."
The man came out and Abu Qatadah asked him, "Why are you hiding from me?"
The man said, "I am having a hard time financially, and I do not have any money."
Abu Qatadah said, "By ALLĀH, are you truly facing a hard time?"
He said, "Yes."
Abu Qatadah cried and said, "I heard the Messenger of ALLĀH ﷺ say,
"Whoever gives time to his debtor, or forgives the debt, will be in the shade of the Throne (of ALLĀH) on the Day of Resurrection."
Muslim also recorded this Hadith in his Sahih.
Al-Hafiz Abu Yala Al-Mawsili recorded that Hudhayfah said that the Messenger of ALLĀH ﷺ said,
"On the Day of Resurrection, one of ALLAH'S servants will be summoned before HIM and HE will ask him, "What deeds did you perform for ME in your life?"
He will say, "O Lord! In my life, I have not performed a deed for YOUR sake that equals an atom," three times.
The third time, the servant will add, "O Lord! You granted me wealth and I used to be a merchant. I used to be lenient, giving easy terms to those well-off and giving time to the debtors who faced hard times."
ALLĀH will say, "I Am the Most Worthy of giving easy terms. Therefore, enter Paradise."
(2:280) {Tafsir Ibn Kathīr}