25. Debts and Mortgage

1 'Ā'ishah said, The Messenger of Allāh, peace and blessings of Allāh be on him, used to pray, while saying prayers, and to say:

"O Allāh! I seek refuge in Thee from sin and from being in debt."

Someone asked him, How often dost thou, O Messenger of Allāh! seek refuge from being in debt. He said:

"When a man is in debt he speaks and tells lies, and he promises and breaks the promise."

(B. 43:10.)

2 Salamah reported: A bier was brought to the Prophet, peace and blessings of Allāh be on him, that he may say funeral prayers over it. He said "Was he in debt?" They said, No. So he said prayers over it. Another bier was brought to him and he said: "Was he in debt?" They said, Yes. He said "Say prayers over your companion." Abu Qatādah said, I will pay his debt, O Messenger of Allāh! So he said funeral prayers over it.

(B. 39:3.)

3 Abū Hurairah reported, The Prophet, peace and blessings of Allāh be on him, said:

"Whoever contracts a debt intending to repay it, Allāh will pay it on his behalf, and whoever contracts a debt intending to waste it, Allāh will bring him to ruin."

(B. 43:2.)

4 Abū Dharr said, I was with the Prophet, peace and blessings of Allāh be on him. When he saw (the mount) Uhud, he said:

'I do not like that this (mountain) should be turned into gold for me, then there should remain with me one dīnār out of it beyond three days, except a dīnār which I should keep for payment of a debt."

Then he said:

"The wealthier are the poorer except he who gives away wealth thus and thus, and they are very few."

(B. 43:3.)

5 Jābir said, I came to the Prophet, peace and blessings of Allāh be on him, while he was in the mosque; so he said:

"Say two rak'ahs of prayer." And he owed me a debt; so he paid it to me and gave me more (than was due).

(B. 43:7.)

6 Abū Hurairah said, The Messenger of Allāh, peace and blessings of Allāh be on him, said:

"Delaying the payment of debt by a well-to-do person is injustice."

(B. 43:12.)

7 The Prophet, peace and blessings of Allāh be on him, is reported to have said:

"Deferring payment by one who has the means to pay legalizes his punishment and his honour."5

(B. 43:11)

8 Abū Hurairah reported, The Prophet, peace and blessings of Allāh be on him, said:

"Whoever leaves property, it is for his heirs and whoever leaves a burden, it shall be our charge."6

(B. 43:11.)

9 'Ā'ishah said, The Prophet, peace and blessings of Allāh be on him, bough food from a Jew for payment to be made at an appointed time, and he mortgaged for it a coat-of-mail made of iron.

(B. 43:l.)

10 Abū Hurairah said: The Messenger' of Allāh, peace and blessings of Allāh be on him, said:

"The mortgaged animal may be used for riding, when it is mortgaged, on account of what is spent on it, and the milk of a milch animal may be drunk when it is mortgaged, and the expenditure shall be borne by him who rides (the animal) and drinks (the milk)."

(B. 48:4.)

11 Abū Hurairah-said, The Messenger of Allāh, peace and blessings of Allāh be on him, said:

"Whoever finds his property itself with a man who has become insolvent, he has a greater right to it than others."

(B. 43:14)

12 Sa'īd ibn al-Musayyib said, 'Uthmān decided that whoever takes his due before a man becomes insolvent, it is his, and whoever recognises his property itself with an insolvent has a greater right to it.8

(B. 43:14.)

13 'Ā'ishah said, When the verses of the chapter al-Baqarah, relating to usury, were revealed, the Prophet, peace and blessings of Allāh be on him, went forth to the mosque and recited them to the people, then he forbade trading in intoxicating liquors.

(B. 8:73.)

14 Jābir reported, The Messenger of Allāh, peace and blessings of Allāh be on him, cursed the usurer and the man who pays usury and the writer of the transaction and the two witnesses thereof and he said:

"They are alike."

(M-Msh. 12:4.)

15 Abū Hurairah reported, The Messenger of Allāh, peace and blessings of Allāh be on him, said:

"A time will come over people when not a single person will remain who does not swallow down usury, and if one does not swallow it, its vapour will overtake him."

(AD-Msh. 12:4.)

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