Going into Debt is a harmful thing


Debt is a Very Serious Matter, Indeed
By Asma bint Shameem


In this materialistic world where the focus has become running after the whims and fulfilling whatsoever the heart desires, we tend to lose focus on our real goals and begin taking certain matters that are forbidden or discouraged in Islaam, too lightly.

And the matter of taking loans and being in debt is definitely one of them.
And I am NOT talking about taking an “interest based” loan. That is HARAAM for sure. The kind of loan I am talking about is one without interest……one that does NOT involve riba….. The kind that is allowed, yet discouraged in Islaam.
Many people have a very casual approach to being in debt and  take out loans, not for some urgent need but, because they want to expand their businesses or keep up with others in buying new cars or furniture or other temporary luxuries of this life.


Taking loans and being in debt is a GRAVE…..GRAVE matter. Islam takes the matter of debt very seriously and warns against it and urges the Muslim to avoid it as much as possible. And yet, we don’t see it as such.

1) The Prophet (Sal Allaahu Alaiyhi wa Sallam) used to seek protection from it


The Prophet (Sal Allaahu Alaiyhi wa Sallam) used to say in his prayer: “Allaahumma inni a’oodhi bika min al-ma’tham wa’l-maghram

(O Allaah, I seek refuge with You from sin and heavy debt).”

Someone said to him: “How often you seek refuge from heavy debt!” He said: “When a man gets into debt, he speak and tells lies, and he makes a promise and breaks it.” (Bukhaari and Muslim).

2) The person in debt will not enter Paradise until the debt is paid off !


Muhammad ibn Jahsh said: ‘We were sitting with the Messenger of Allaah (Sal Allaahu Alaiyhi wa Sallam) when he raised his head towards the sky, then he put his palm on his forehead and said: “Subhaan-Allaah! What a strict issue has been revealed to me!” We remained silent and were afraid. The following morning I asked him, “O Messenger of Allaah, what is this strict issue that has been revealed?” He said, “By the One in Whose hand is my soul, if a man were killed in battle for the sake of Allaah, then brought back to life, then killed and brought back to life again, then killed, and he owed a debt, he would not enter Paradise until his debt was paid off.” (Hasan -al-Nasaa’i).

3) Unnecessary loans is a cause of PUNISHMENT and the WRATH OF ALLAAH !


The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Whoever asks people for money when he has what is sufficient for him is only asking for more of the embers of Hell.” They asked him, “O Messenger of Allaah, what is sufficient so that he does not have to ask for more?” He said: “Having enough to eat lunch and dinner.” (Abu Dawud- Saheeh).

4) The Prophet (Sal Allaahu Alaiyhi wa Sallam) didn’t pray his Janazah


The Prophet (Sal Allaahu Alaiyhi wa Sallam) refrained from offering the funeral prayer for someone who had died owing two dinars, until Abu Qataadah (a Sahaabi) promised to pay it off for him. When he saw him the following day he said, “I have paid it off.” The Prophet said: “Now his skin has become cool for him.” (Hasan-Ahmad)

5) The soul of the one in debt is suspended


The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “The soul of the believer is held hostage by his debt in his grave until it is paid off.” Tirmidhi,


Explaining this hadeeth al-Suyooti said: “It (soul) is detained and kept from reaching its noble destination. Al-‘Iraaqi said: “No judgment is passed as to whether it will be saved or doomed until it is determined whether his debt will be paid off or not.”

5) The one in debt is a prisoner


The debtor is a prisoner, as the Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “Your companion is being detained by his debt.” (hasan-Abu Dawood).

Statements of Sahaabah regarding debt


Umar ibn al-Khattaab said: Beware of debt, for it starts with worry and it ends with war. (Maalik in al-Muwatta).
And Ibn ‘Umar said: “O Humraan, fear Allaah and do not die in debt, lest it be taken from your good deeds when there will be no dinars and no dirhams.”

When is taking a loan permissible?


The Ulama warn us about how difficult the issue of debt is, and that it should not be undertaken except in cases of necessity.


Based on this, there are three conditions for debt to be permissible:
1- The borrower should be determined to repay it.
2- It should be known or thought most likely that he is able to repay it,
3- It should be for something that is permissible according to Shareeah.

Ibn ‘Abd al-Barr said:
“The debt for which a person will be kept out of Paradise – and Allaah knows best – is that for which he left behind enough to pay it off but he did not leave instructions to that effect, or he was able to pay it off but did not do so, or he took the loan for some unlawful or extravagant matter and died without having paid it off.
As for the one who took a loan for something lawful because he was poor, and he died without leaving behind anything to pay it off, Allaah will not keep him from Paradise because of it, insha Allaah.”

So take a loan only when absolutely necessary and if you are in a situation of debt right now, try your utmost best to pay off your debts as soon as possible. Strive hard to pay it off, put your trust in Allaah, and pray to Him to make it easy for you to pay off your debt.


The Prophet (Sal Allaahu Alaiyhi wa Sallam) said: “The one who takes people’s wealth intending to pay it back, Allaah will pay it back for him, and the one who takes it intending to destroy it, Allaah will destroy him.” (Bukhaari).

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5 Responses to Going into Debt is a harmful thing

  1. Bill Cash says:

    I just stopped by your blog and thought I would say hello. I like your site design. Looking forward to reading more down the road.

  2. Shareefa Dewi says:

    I would like to know the punishment in Islam for a Muslim man who does not pay up his debts. He is in debts of $2000/- and he refuse to pay me. I am not certain of his reason being but he afford to pay up the debts that he owes me as he is currently working. He kept himself silence. Adding on, his current partner got involve and indirectly calling me a liar just to avoid the issue. Kindly enlighten me with this matter above as I am unable to get back the money as he and his mother promised me in July 2009 or at least an update but nothing in return. I was being humiliate instead.

  3. ref:
    http://islam-qa.com/en/ref/71183

    Praise be to Allaah.
    Firstly:

    The fuqaha’ define dayn (debt) as an obligation to be fulfilled, as it says in al-Mawsoo’ah al-Fiqhiyyah (21/102). The linguistic meaning of the word dayn (debt) in Arabic has to do with submission and humiliation. The connection between the shar’i meaning and the linguistic meaning is clear. The debtor is a prisoner, as the Prophet (peace and blessings of Allaah be upon him) said: “Your companion is being detained by his debt.” Narrated by Abu Dawood, 3341; classed as hasan by al-Albaani in Saheeh Abi Dawood.

    Secondly

    Islam takes the matter of debt very seriously and warns against it and urges the Muslim to avoid it as much as possible.

    It was narrated from ‘Aa’ishah (may Allaah be pleased with her) that the Prophet (peace and blessings of Allaah be upon him) used to say in his prayer: “Allaahumma inni a’oodhi bika min al-ma’tham wa’l-maghram (O Allaah, I seek refuge with You from sin and heavy debt).” Someone said to him: “How often you seek refuge from heavy debt!” He said: “When a man gets into debt, he speak and tells lies, and he makes a promise and breaks it.” Narrated by al-Bukhaari (832) and Muslim (589).

    Al-Nasaa’i (4605) narrated that Muhammad ibn Jahsh (may Allaah be pleased with him) said:

    We were sitting with the Messenger of Allaah (peace and blessings of Allaah be upon him) when he raised his head towards the sky, then he put his palm on his forehead and said: “Subhaan-Allaah! What a strict issue has been revealed to me!” We remained silent and were afraid. The following morning I asked him, “O Messenger of Allaah, what is this strict issue that has been revealed?” He said, “By the One in Whose hand is my soul, if a man were killed in battle for the sake of Allaah, then brought back to life, then killed and brought back to life again, then killed, and he owed a debt, he would not enter Paradise until his debt was paid off.” Classed as hasan by al-Albaani in Saheeh al-Nasaa’i, 4367.

    The Prophet (peace and blessings of Allaah be upon him) refrained from offering the funeral prayer for one who had died owing two dinars, until Abu Qataadah (may Allaah be pleased with him) promised to pay it off for him. When he saw him the following day and said, I have paid it off, the Prophet (peace and blessings of Allaah be upon him) said: “Now his skin has become cool for him.” Musnad Ahmad (3/629); classed as hasan by al-Nawawi in al-Khalaasah (2/931) and by Ibn Muflih in al-Adaab al-Shar’iyyah (1/104).

    Al-Haafiz Ibn Hajar (may Allaah have mercy on him) said in Fath al-Baari (4/547):

    This hadeeth indicates how difficult the issue of debt is, and that it should not be undertaken except in cases of necessity. End quote.

    It was narrated from Thawbaan (may Allaah be pleased with him) that the Messenger of Allaah (peace and blessings of Allaah be upon him) said:

    “Whoever dies free from three things – arrogance, cheating and debt – will enter Paradise.”

    Narrated by al-Tirmidhi (1572); classed as saheeh by al-Albaani in Saheeh al-Tirmidhi.

    It was narrated that Abu Hurayrah said: The Messenger of Allaah (peace and blessings of Allaah be upon him) said:

    “The soul of the believer is suspended because of his debt until it is paid off.” Narrated by al-Tirmidhi (1078).

    Al-Mubaarakfoori said in Tuhfat al-Ahwadhi (4/164):

    The words “the soul of the believer is suspended” – al-Suyooti said: i.e., it is detained and kept from reaching its noble destination. Al-‘Iraaqi said: i.e., no judgement is passed as to whether it will be saved or doomed until it is determined whether his debt will be paid off or not. End quote.

    It was also narrated that many of the salaf warned against debt:

    It was narrated that ‘Umar ibn al-Khattaab (may Allaah be pleased with him) said:

    Beware of debt, for it starts with worry and it ends with war. Narrated by Maalik in al-Muwatta’ (2/770).

    In Musannaf ‘Abd al-Razzaaq (3/57) it says:

    Ibn ‘Umar (may Allaah be pleased with him) said:

    O Humraan, fear Allaah and do not die in debt, lest it be taken from your good deeds when there will be no dinars and no dirhams.

    Thirdly:

    These stern warnings about debt only came because of the negative consequences to which it leads both on an individual level and on a community level.

    With regard to the personal level, al-Qurtubi said in al-Jaami’ li Ahkaam al-Qur’aan (3/417):

    Our scholars said: It is a disgrace and a humiliation because it preoccupies the mind and makes one worried about paying it off, and makes one feel humiliated before the lender when meeting him, and feeling that he is doing one a favour when accepting a delay in payment. Perhaps he may promise himself that he will pay it off then break that promise, or speak to the lender and lie to him, or swear an oath to him then break it, and so on. Moreover, he may die without having paid off the debt so he will be held hostage because of it, as the Prophet (peace and blessings of Allaah be upon him) said: “The soul of the believer is held hostage by his debt in his grave until it is paid off.” Narrated by al-Tirmidhi, 1078. All of that undermines one’s religious commitment.

    With regard to the community level, specialists have described the negative consequences and the danger it poses to the economy, for example:

    1- Desire for immediate gratification with no thought of the future

    2- Lack of responsibility and self-reliance

    3- Poor distribution of wealth

    In order to understand these negative consequences better, please see the study by Shaykh Saami al-Suwaylim entitled Mawqif al-Sharee’ah al-Islamiyyah min al-Dayn (6-11).

    Fourthly:

    Based on the above, the scholars have stipulated three conditions for debt to be permissible:

    1- The borrower should be determined to repay it.

    2- It should be known or thought most likely that he is able to repay it,

    3- It should be for something that is permissible according to sharee’ah.

    Ibn ‘Abd al-Barr said in al-Tamheed (23/238):

    The debt for which a person will be kept out of Paradise – and Allaah knows best – is that for which he left behind enough to pay it off but he did not leave instructions to that effect, or he was able to pay it off but did not do so, or he took the loan for some unlawful or extravagant matter and died without having paid it off.

    As for the one who took a loan for something lawful because he was poor, and he died without leaving behind anything to pay it off, Allaah will not keep him from Paradise because of it, in sha Allaah. End quote.

    Fifthly:

    So long as you have taken on a debt so that you can fulfil the duty of helping your husband and family to pay for living expenses, you will be rewarded by Allaah for this good deed. I ask Allaah to reward you greatly for that. Remember that He will help you to pay off this debt. The Prophet (peace and blessings of Allaah be upon him) said: “The one who takes people’s wealth intending to pay it back, Allaah will pay it back for him, and the one who takes it intending to destroy it, Allaah will destroy him.” Narrated by al-Bukhaari (2387).
    Seek help with that by working and striving hard to pay off the debt, and by putting your trust in Allaah, and praying to Him to make it easy for you to pay off your debt.

    In the Sunnah there are a number of du’aa’s which specifically seek the help of Allaah in praying off debts. They are:

    1 – It was narrated that Suhayl said: Abu Saalih used to tell us, when one of us wanted to sleep, to lie down on his right side and say:

    “Allaahumma Rabb al-samawaati wa’l-ard wa Rabb al-‘arsh il-‘azeem, Rabbaanaa wa Rabba kulli shay’in, Faaliq al-habb wa’l-nawa wa munzil al-Tawraati wa’l-Injeeli wa’l-Furqaan, a’oodhu bika min sharri kulli shay’in anta aakhidhun bi naasiyatihi. Allaahumma anta al-awwal fa laysa qablaka shay’un, wa anta al-aakhir fa laysa ba’daka shay’un, wa anta al-zaahir fa laysa fawqaka shay’un wa anta al-baatin fa laysa doonaka shay’un. Iqdi ‘annaa al-dayna wa aghninaa min al-faqri (O Allaah, Lord of the seven heavens and the exalted Throne, our Lord and Lord of all things, splitter of the seed and the date-stone, Revealer of the Tawraat and the Injeel and the Furqaan [Qur’aan], I seek refuge in You from the evil of all things You shall seize by the forelock [have total mastery over]. O Allaah, You are the First so there is nothing before You, and You are the Last so there is nothing after You. You are al-Zaahir [the greatest and highest] so there is nothing above You, and You are al-Baatin [aware of the subtlest secrets] so there is nothing closer than You. Settle our debt for us and spare us from poverty).”

    He narrated that from Abu Hurayrah, from the Prophet (peace and blessings of Allaah be upon him). Narrated by Muslim (2713).

    2 – It was narrated from ‘Ali (may Allaah be pleased with him) that a mukaatib (slave who had entered into a contract of manumission) came to him and said: “I am unable to pay off my manumission; help me.” He said: “Shall I not tell you some words which the Messenger of Allaah (peace and blessings of Allaah be upon him) taught me? And if you have debt like the mountain of Seer, Allaah will pay it off for you. He said: ‘Say: Allaahumma akfini bi halaalika ‘an haraamika wa aghnini bi fadlika ‘amman siwaaka (O Allaah, suffice me with what You have permitted so that that I have no need of that which You have forbidden, and make me independent of means by Your bounty so that I have no need of anyone besides You).’”

    Narrated by al-Tirmidhi (2563) who said: This is a hasan ghareeb hadeeth. It was also classed as hasan by al-Albaani in Saheeh al-Tirmidhi.

    3 – It was narrated that Abu Sa’eed al-Khudri (may Allaah be pleased with him) said:

    The Messenger of Allaah (peace and blessings of Allaah be upon him) entered the mosque and saw an Ansaari man whose name was Abu Umaamah. He said: “O Abu Umaamah, why do I see you sitting in the mosque when it is not the time for prayer? He said: Worries and debts, O Messenger of Allaah. He said: “Shall I not teach you some words which, if you say them, Allaah will take away your worries and pay off your debts?” He said: Yes, O Messenger of Allaah. He said:

    “Say, morning and evening, ‘“Allaahumma inni a’oodhu bika min al-hammi wa’l-hazani, wa a’oodhi bika min al-‘ajzi wa’l-kasali, wa a’oodhu bika min al-jubni wa’l-bukhli, wa a’oodhi bika min ghalabat il-dayn wa qahri al-rijaal (O Allaah, I seek refuge with You from worry and grief, and I seek refuge with You from incapacity and laziness, and I seek refuge with You from cowardice and miserliness, and I seek refuge with You from being heavily in debt and from being overcome by men).”

    He said; I did that, and Allaah took away my worry and paid off my debt.

    Narrated by Abu Dawood (1555). Its isnaad includes Ghassaan ibn ‘Awf; al-Dhahabi said: he is not strong. Hence Shaykh al-Albaani classed the hadeeth as weak in Da’eef Abi Dawood. But the du’aa’ mentioned – “Allaahumma inni a’oodhu bika min al-hammi wa’l-hazani…” – is proven in al-Saheehayn in a report other than this story of Abu Umaamah.

    And Allaah knows best.

  4. Mohhamed says:

    I would like to if there is punishment when you give you money to a person for a safe keeping, and when you come for it he told you that the money is missing and he is not going to pay for it?

  5. For you no but for the one who did not return your money yes because it was a trust and a promise which Alllah has stressed about in the Quran in many places that people should keep their oaths and promises. “And fulfill (every) covenant. Verily! The covenant will be questioned about.” (17:34)

    “And fulfill the Covenant of Allah (Bai’ah: pledge for Islam) when you have covenanted.” (16:91)

    “O you who believe! Fulfill (your) obligations.” (5:1)

    “O you who believe! Why do you say that which you do not do? Most hateful it is with Allah that you say that which you do not do.” (61:2,3)

    “Whoever fulfills his promise and guards (against evil), Surely Allâh loves those who guard (against evil).” [3:76]

    “…Surely every promise shall be questioned about.” (17:39)

    Furthermore there are a number of ahadith in which Prophet Muhammad (s) described those who go around breaking promises, as one having a characteristic of a Nifaaq (hypocrisy).

    On the authority of Abdullah Ibn ‘Amr (may Allah be pleased with him) reported that the Prophet (s) said:

    “Four traits whoever possesses them is a Munaafiq (hypocrite) and whoever possesses some of them has an element of hypocrisy until he leaves it: the one who when he speaks he lies, when he promises he breaks his promise, when he disputes he transgresses and when he makes an agreement he violates it.” [Bukhaari, and Muslim]

    Hypocrisy, involves deception, scheming and presenting an outward appearance of good while concealing its opposite. And Allah knows best..

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