It was said: O Messenger of Allah, what is their due? He said: "Lending their bucket, allowing the use of their stud-camel, and giving the gift of their milk on the day they are brought to water." Thus, Allah the Exalted condemned the one who withholds the loan, and the Messenger of Allah - may Allah bless him and grant him peace - threatened him with what he mentioned in his report. Our evidence is the saying of the Prophet - may Allah bless him and grant him peace -: "If you pay the zakat of your wealth, you have fulfilled what is incumbent upon you." Narrated by Ibn al-Mundhir. It is also narrated from the Prophet - may Allah bless him and grant him peace - that he said: "There is no due in wealth other than the zakat." In the hadith of the bedouin who asked the Messenger of Allah - may Allah bless him and grant him peace -: "What has Allah obligated upon me regarding charity?" He replied: "Zakat." He asked: "Is there anything else upon me?" He said: "No, unless you volunteer something," or as he said. The verse has been interpreted by Ibn 'Umar, al-Hasan al-Basri, and also Zayd ibn Aslam as referring to zakat. 'Ikrimah said: If he combines the three, then he is doomed: if he is neglectful of his prayer, practices showing off, and withholds the al-ma'un. It is obligatory to return the loan if it remains in existence, without disagreement. It is obligatory to guarantee it if it has perished, whether the borrower transgressed regarding it or did not. This was narrated from Ibn 'Abbas and Abu Hurayra. 'Ata', al-Shafi'i, and Ishaq held this view. Al-Hasan, al-Nakha'i, al-Sha'bi, 'Umar ibn 'Abd al-'Aziz, al-Thawri, Abu Hanifah, Malik, al-Awza'i, and Ibn Shubruma said: It is a trust (amanah) that does not require a guarantee except by transgression, due to what 'Amr ibn Shu'ayb narrated from his father, from his grandfather, that the Prophet - may Allah bless him and grant him peace - said: "The borrower, other than the traitor, has no guarantee." And because he took possession of it with the permission of its owner, it is a trust, like a deposit (wadi'ah). They said: The saying of the Prophet - may Allah bless him and grant him peace - "The loan is to be returned" indicates that it is a trust, due to the saying of Allah, the Exalted: "Indeed, Allah commands you to render trusts to whom they are due" (Surah An-Nisa': 58).