[Chapter: The Loan (al-Qard)]
The loan is a type of salam (forward sale), and it is permissible by the Sunnah and consensus. As for the Sunnah, Abu Rafi‘ narrated that the Prophet (peace and blessings of Allah be upon him) borrowed a young camel (bakr) from a man. When the charity camels came to the Prophet (peace and blessings of Allah be upon him), he ordered Abu Rafi‘ to repay the man his young camel. Abu Rafi‘ returned to him and said: "O Messenger of Allah, I found nothing among them except a prime four-year-old camel." He said: "Give it to him, for the best of people are those who are best in repayment." Narrated by Muslim. From Ibn Mas‘ud: The Prophet (peace and blessings of Allah be upon him) said: "There is no Muslim who lends a loan to a Muslim twice, but it is like giving charity once." From Anas, he said: The Messenger of Allah (peace and blessings of Allah be upon him) said: "On the night I was taken on the night journey, I saw written on the gate of Paradise: Charity is rewarded tenfold, and the loan is rewarded eighteen-fold. I said: O Jibril, why is the loan better than charity? He said: Because the beggar asks while he has something, whereas the borrower does not borrow except out of necessity." Narrated by Ibn Majah. The Muslims have reached consensus on the permissibility of the loan.
Section: The loan is commendable (mandub) for the lender and permissible (mubah) for the borrower, due to the hadiths we have narrated, and due to what Abu Hurayrah narrated, that the Prophet (peace and blessings of Allah be upon him) said: "Whoever relieves a Muslim of a burden of the burdens of this world, Allah will relieve him of a burden of the burdens of the Day of Judgment. And Allah is in the aid of the servant as long as the servant is in the aid of his brother."
(1) Omitted from: The original. (2) In the original: "Section: The Loan". (3) Omitted from: The original. (4) A young camel (bakr) is called a 'raba' (masculine) or 'raba'iyyah' (feminine) when it has completed six years, entered the seventh, and shed its front teeth (rabaiyyah) with the ta-marbuta, which is lightened in pronunciation. (5) Its citation was previously provided on page 388. (6) In: The Chapter of the Loan, from the Book of Charities. Sunan Ibn Majah 2/812.
