36 – IARLG – DEBTS/LENDING/BORROWING; Date: 24th October 2014; 29th/30th Dhu al-Hijja 1435

Date: 24th October 2014; 29th/30th Dhu al-Hijja 1435;

ISLAMIC AL-JUMUAA REMINDER AND LEGACY GROUP (http://aljumaareminder.com/presents a reminder on how to deal with debts:


This week we only want to remind Muslims about the two Ayats from Surah Al-Baqarah. It has come to our attention that many Muslims nowadays don’t follow what Allah has revealed in Qur’an 2: 282-283.

O you who believe! When you contract a debt for a fixed period, write it down. Let a scribe write it down in justice between you. Let not the scribe refuse to write as Allah has taught him, so let him write. Let him (the debtor) who incurs the liability dictate, and he must fear Allah, his Lord, and diminish not anything of what he owes. But if the debtor is of poor understanding, or weak, or is unable himself to dictate, then let his guardian dictate in justice. And get two witnesses out of your own men. And if there are not two men (available), then a man and two women, such as you agree for witnesses, so that if one of them (two women) errs, the other can remind her. And the witnesses should not refuse when they are called on (for evidence). You should not become weary to write it (your contract), whether it be small or big, for its fixed term, that is more just with Allah; more solid as evidence, and more convenient to prevent doubts among yourselves, save when it is a present trade which you carry out on the spot among yourselves, then there is no sin on you if you do not write it down. But take witnesses whenever you make a commercial contract. Let neither scribe nor witness suffer any harm, but if you do (such harm), it would be wickedness in you. So be afraid of Allah; and Allah teaches you. And Allah is the All-Knower of each and everything. (Qur’an 2:282)

And if you are on a journey and cannot find a scribe, then let there be a pledge taken (mortgaging); then if one of you entrust the other, let the one who is entrusted discharge his trust (faithfully), and let him be afraid of Allah, his Lord. And conceal not the evidence for he, who hides it, surely his heart is sinful. And Allah is All-Knower of what you do. (Qur’an 2:283)

We understand for some the above Ayats will be simple to adopt but for some it will be tough. We also understand that some may choose to adopt these Ayat regardless and some may choose to disregard these Ayat regardless. Islam is a religion of submission to Allah’s Will.

He [Satan] commands you only what is evil and Fahsha (sinful), and that you should say against Allah what you know not. (Qur’an 2:169)

When it is said to them: “Follow what Allah has sent down.” They say: “Nay! We shall follow what we found our fathers following.” (Would they do that!) even though their fathers did not understand anything nor were they guided? (Qur’an 2:170)

  • If we as Muslims deny Allah’s Ayats we risk being in the Hell fire.


And those whose scales (of good deeds) are light, they are those who lose their ownselves, in Hell will they abide. (Qur’an 23:103)

The Fire will burn their faces, and therein they will grin, with displaced lips (disfigured) (Qur’an 23:104)

“Were not My Verses (this Qur’an) recited to you, and then you used to deny them?” (Qur’an 23:105)

They will say: “Our Lord! Our wretchedness overcame us, and we were (an) erring people. (Qur’an 23:106)

“Our Lord! Bring us out of this. If ever we return (to evil), then indeed we shall be Zalimun: (polytheists, oppressors, unjust, and wrong-doers).” (Qur’an 23:107)

He (Allah) will say: “Remain you in it with ignominy! And speak you not to Me!” (Qur’an 23:108)

We are not in any way, shape or form trying to scare you. We are only presenting the facts from the Book of Allah the Qur’an. We must adhere to the whole of the Qur’an and not just some parts of it.

36 - IARLG - DEBTS/LENDING/BORROWING; Date: 24th October 2014; 29th/30th Dhu al-Hijja 1435 (53 downloads)


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