Qard Hasan/good loan/beautiful loan
Al-Qard
al-Hasan is an unconditional loan extended to needy persons for a specified
period of time. At the end of that period, the face value of the loan has to be
repaid. In other words, the Shari'ah prohibits the terms of excess for the
lender, whether it is expressed in terms of the amount of riba, the quality or
quantity of the excess, or whether it is a tangible thing or benefit.
In
the verse, "Whoever lends a good loan to Allah and it will be multiplied
for him" (2:245) the scholars describe a good loan as follows: "It is
giving lawful wealth, from the best and the most valuable. Ownership, not from
the worst." Given in health, needs, and when the donor aspires to gain long
life. It should be given to one who needs it most and has the most right to it,
secretly, and without ever reminding of it or doing any harm to the recipient.
should be followed. The giver seeks Allah's pleasure only, not using it for
show. He should not think that what he is giving is extra and should donate to
Him from his dearest wealth. When these characteristics are combined, it is a
beautiful loan."
Qard
Hasan/good loan/beautiful loan benefits and repayment dua
Giving
people a loan or giving unconditional good loans is an act of reward. But it is
very important to have Hasana or goodwill to repay this loan. Borrowing an unconditional good loan has benefits such as; similarly, there is a prayer for
paying the unconditional good loan. So what to do to get the benefits of an unconditional good loan? And what do you pray to pay the unconditional good loan?
It
is very important to have a strong desire to repay a good loan from a person.
There is no alternative to praying in the court of Almighty Allah to pay an unconditional good loan. Because Prophet (saw) said to pray to Allah for the
payment of debts.
According
to the narration of the hadith, after taking a Hasana or good loan, if there is
an effort to repay it and the borrower prays to Allah more and more to repay
it, then Allah will grant them the grace to repay the loan. So do this dua more
and more to get Allah's help to get rid of debt. They are-
"Allahumma
inni aujubika minal hammi wal hazani, wa aujubika minal ajhi wal kasali, wa
aujubika minal zhubani wal bukhli, wa aujubika min galabatid daini wa kahrir
rizhali"
Meaning-
"Oh
God! Surely I seek refuge with you from worry and sorrow, a refuge from indolence
and laziness, a refuge from miserliness and timidity, and refuge from the burden
of debt and oppression of people." (Bukhari and Muslim, Mishkat)
What to do to get the benefits of an unconditional good loan?
The
loan will be Hasana or a good loan, which does not have any worldly interest or
intelligence behind it, but should be given only for the purpose of pleasing
Allah Ta'ala. Not only that but that money should be spent on the work that
Allah Ta'ala likes. Because Allah Ta'ala has encouraged people to give Hasana
on loans like this:
"Who
is there who lends a good loan to Allah so that He may multiply it for him? And
it is Allah who withholds and gives abundance, and to Him, you shall be
returned." (Surah
Baqarah: Verse 245)
Benefits of
Prophet
(saw) encouraged in several hadiths. Highlighted the benefits of Qard
Hasana/good loan/beautiful loan. They are-
A. Hazrat Qays Bin (RA) narrated that Messenger
(saw) said, "If a Muslim lends to another Muslim twice, this lending is
equivalent to giving that amount of wealth once in charity in the way of
Allah." (Ibn Majah)
B. Hazrat Abdullah Ibn Umar (RA) narrates,
Messenger (saw) said, "Whoever makes up for the lack of his brother, Allah
Ta'ala will remove his troubles on the Day of Resurrection." (Bukhari)
C. Hazrat Buraydah Al-Aslami (RA) narrated
that Messenger (saw) said, "Whoever gives respite to a needy person (in
debt), he will be rewarded for giving charity." And the person who extends
the time even after the end of the loan repayment period will also get the
reward of giving charity every day.' (Ibn Majah)
D. Hazrat Abu Hurairah (RA) narrates that,
a man owed some debt to Messenger (saw). (The lender did some unbecoming
behavior when he came to get) The Companions wanted to do something (to
prevent) him. Messenger of Allah said, leave him, the creditor has the right to
say something. He also told them to buy him a one-year-old camel. The
Companions said, "We are not getting as much as a one-year-old camel given
by him; Rather, I am getting a better camel than that. He said, but buy it and
give it to him. For he who repays his debts well is the best of you. Or he
said He is the best of you.' (Bukhari)
Conclusion
It
is important to be diligent in paying off the Qard Hasana/good loan/beautiful
loan, just as it is Allah's commandment to pay it off. Only then giving and
taking loans will be beneficial and successful. There are also clear
instructions and announcements of rewards regarding the exchange of Qard
Hasana/good loan/beautiful loan. So that people can benefit from the loan and
repay the loan on time. Allah says:
"Surely
the charitable men and charitable women, who lend (debt) to Allah in a good
manner, will be given many times and for them is an honorable reward."
(Surah Hadid: Verse 18)
May Allah Ta'ala bless the Muslim Ummah with a good reward by taking Qard Hasana/good loan/beautiful loan and repaying it on time.
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