Surah Al-Baqarah — Verse 280

If the person from whom you demand your debt is in hard times and is unable to repay the debt, then refrain from asking until he is able to obtain money and then pay the debt. And to give charity to him by not demanding the debt or giving up a part of it is better for you, if you knew its worth in the sight of Allah.

O you who believe! Have Taqwa of Allah and give up what remains from Riba, if you are (really) believers (278)And if you do not do it, then take a notice of war from Allah and His Messenger but if you repent,you shall have your capital sums. Deal not unjustly, and you shall not be dealt with unjustly (279)And if the debtor is having a hard time, then grant him time till it is easy for him to repay; but if you remit it by way of charity, that is better for you if you did but know (280)And have Taqwa the Day when you shall be brought back to Allah. Then every person shall be paid what he earned, and they shall not be dealt with unjustly (281)

Allah commands His believing servants to fear Him and warns them against what would bring them closer to His anger and drive them away from His pleasure. Allah said,

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ

(O you who believe! Have Taqwa of Allah) meaning, fear Him and remember that He is watching all that you do.

وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا

(And give up what remains of Riba) meaning, abandon the Riba that people still owe you upon hearing this warning,

إِن كُنتُم مُّؤْمِنِينَ

(if you indeed have been believers) believing in the trade that He allowed you and the prohibition of Riba. Zayd bin Aslam, Ibn Jurayj, Muqatil bin Hayyan and As-Suddi said that this Ayah was revealed about Bani 'Amr bin 'Umayr, a sub-tribe of Thaqif, and Bani Al-Mughirah, from the tribe of Bani Makhzum, between whom were outstanding transactions of Riba leftover from time of Jahiliyyah. When Islam came and both tribes became Muslims, Thaqif required Bani Al-Mughirah to pay the Riba of that transaction, but Bani Al-Mughirah said, "We do not pay Riba in Islam." 'Attab bin Usayd, the Prophet's deputy on Makkah, wrote to the Messenger of Allah ﷺ about this matter. This Ayah was then revealed and the Messenger of Allah ﷺ conveyed it to 'Attab,

يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا إِن كُنتُم مُّؤْمِنِينَ - فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ

(O you who believe! Be afraid of Allah and give up what remains (due to you) from Riba (from now onward), if you are (really) believers. And if you do not do it, then take a notice of war from Allah and His Messenger.)

They said, "We repent to Allah and abandon whatever is left of our Riba", and they all abandoned it This Ayah serves as a stern threat to those who continue to deal in Riba after Allah revealed this warning.

Ibn Jurayj said that Ibn 'Abbas said that,

فَأْذَنُوا بِحَرْبٍ

(then take a notice of war) means, "Be sure of a war from Allah and His Messenger." He also said, "On the Day of Resurrection, those who eat Riba will be told, 'take up arms for war.'" He then recited,

فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ

(And if you do not do it, then take a notice of war from Allah and His Messenger.)

Ali bin Abi Talhah said that Ibn 'Abbas said about,

فَإِن لَّمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِّنَ اللَّهِ وَرَسُولِهِ

(And if you do not do it, then take a notice of war from Allah and His Messenger,) "Whoever kept dealing with Riba and did not refrain from it, then the Muslim Leader should require him to repent. If he still did not refrain from Riba, the Muslim Leader should cut off his head."

Allah then said,

وَإِن تُبْتُمْ فَلَكُمْ رُءُوسُ أَمْوَالِكُمْ لَا تَظْلِمُونَ 

(But if you repent, you shall have your capital sums. Deal not unjustly) by taking the Riba,

وَلَا تُظْلَمُونَ

(And you shall not be dealt with unjustly) meaning, your original capital will not diminish. Rather, you will receive only what you lent without increase or decrease. Ibn Abi Hatim recorded that 'Amr bin Al-Ahwas said, "The Messenger of Allah ﷺ gave a speech during the Farewell Hajj saying;

أَلَا إِنَّ كُلَّ رِبًا كَانَ فِي الْجَاهِلِيَّةِ، مَوْضُوعٌ عَنْكُمْ كُلُّهُ، لَكُمْ رُؤُوسُ أَمْوَالِكُم لَا تَظْلِمُونَ وَلَاتُظْلَمُونَ، وَأَوَّلُ رِبًا مَوْضُوعٍ، رِبَا الْعَبَّاسِ بْنِ عَبْدِ الْمُطَّلِبِ مَوْضُوعٌ كُلُّهُ

(Verily, every case of Riba from the Jahiliyyah is completely annulled. You will only take back your capital, without increase or decrease. The first Riba that I annul is the Riba of Al-'Abbas bin 'Abdul-Muttalib, all of it is annulled.)

Allah said,

وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ وَأَن تَصَدَّقُوا خَيْرٌ لَّكُمْ إِن كُنتُمْ تَعْلَمُونَ

(And if the debtor is having a hard time, then grant him time till it is easy for him to repay; but if you remit it by way of charity, that is better for you if you did but know.) Allah commands creditors to be patient with debtors who are having a hard time financially,

وَإِن كَانَ ذُو عُسْرَةٍ فَنَظِرَةٌ إِلَىٰ مَيْسَرَةٍ

(And if the debtor is having a hard time (has no money), then grant him time till it is easy for him to repay.)

During the time of Jahiliyyah, when the debt came to term, the creditor would say to the debtor, "Either pay now or interest will be added to the debt."

Allah encouraged creditors to give debtors respite regarding their debts and promised all that is good, and a great reward from Him for this righteous deed,

وَأَن تَصَدَّقُوا خَيْرٌ لَّكُمْ إِن كُنتُمْ تَعْلَمُونَ

(But if you remit it by way of charity, that is better for you if you did but know) meaning, if you forfeit your debts and cancel them completely.

Imam Ahmad recorded that Sulayman bin Buraydah said that his father said, "I heard the Messenger of Allah ﷺ say,

مَنْ أَنْظَرَ مُعْسِرًا، فَلَهُ بِكُلِّ يَوْمٍ مِثْلُهُ صَدَقَةٌ

(Whoever gives time to a debtor facing hard times, will gain charity of equal proportions for each day he gives.)

I also heard the Prophet ﷺ say,

مَنْ أَنْظَرَ مُعْسِرًا، فَلَهُ بِكُلِّ يَوْمٍ مِثْلُهُ صَدَقَةٌ

(Whoever gives time to a debtor facing hard times, will earn charity multiplied two times for each day he gives.) I said, 'O Messenger of Allah! I heard you say, 'Whoever gives time to a debtor facing hard times, will gain charity of equal proportions for each day he gives.' I also heard you say, 'Whoever gives time to a debtor facing hard times, will earn charity multiplied by two times for each day he gives.' He ﷺ said,

لَهُ بِكُلِّ يَومٍ مِثْلُهُ صَدَقَةٌ قَبْلَ أَنْ يَحِلَّ الدَّيْنُ، فَإِذَا حَلَّ الدَّيْنُ فَأَنْظَرَهُ، فَلَهُ بِكُلِّ يَوْمٍ مِثْلَاهُ صَدَقَةٌ

(He will earn charity of equal proportions for each day (he gives time) before the term of the debt comes to an end, and when the term comes to an end, he will again acquire charity multiplied by two times for each day if he gives more time.)"

Ahmad recorded that Muhammad bin Ka'b Al-Qurazi said that Abu Qatadah had a debt on a man, who used to hide from Abu Qatadah when he looked for him to pay what he owed him. One day, Abu Qatadah came looking for the debtor and a young boy came out, and he asked him about the debtor and found out that he was in the house eating. Abu Qatadah said in a loud voice, "O Fellow! Come out, for I was told that you are in the house." The man came out and Abu Qatadah asked him, "Why are you hiding from me?" The man said, "I am having a hard time financially, and I do not have any money." Abu Qatadah said, "By Allah, are you truly facing a hard time?" He said, "Yes." Abu Qatadah cried and said, "I heard the Messenger of Allah ﷺ say,

مَنْ نَفَّسَ عَنْ غَرِيمِهِ أَوْ مَحَا عَنْهُ،كَانَ فِي ظِلِّ الْعَرْشِ يَوْمَ الْقِيَامَةِ

(Whoever gives time to his debtor, or forgives the debt, will be in the shade of the Throne (of Allah) on the Day of Resurrection.)"

Muslim also recorded this Hadith in his Sahih.

Al-Hafiz Abu Ya'la Al-Mawsili recorded that Hudhayfah said that the Messenger of Allah ﷺ said,

أُتِيَ اللهُ بِعَبْدٍ مِنْ عَبِيدِهِ يَوْمَ الْقِيَامَةِ قَالَ: مَاذَا عَمِلْتَ لِي فِي الدُّنْيَا؟ فَقَالَ: مَا عَمِلْتُ لَكَ يَا رَبِّ مِثْقَالَ ذَرَّةٍ فِي الدُّنْيَا أَرْجُوكَ بِهَا - قَالَهَا ثَلَاثَ مَرَّاتٍ - قَالَ الْعَبْدُ عِنْدَ آخِرِهَا: يَا رَبِّ إِنَّكَ كُنْتَ أَعْطَيْتَنِي فَضْلَ مَالٍ، وَكُنْتُ رَجُلًا أُبَايِعُ النَّاسَ، وَكَانَ مِنْ خُلُقِي الْجَوازُ، فَكُنْتُ أُيَسِّرُ عَلَى الْمُوسِرِ وَأُنْظِرُ الْمُعْسِرَ، قَالَ: فَيَقُولُ اللهُ عَزَّوَجَلَّ: أَنَا أَحَقُّ مَنْ يُيَسِّرُ، ادْخُلِ الْجَنَّةَ

(On the Day of Resurrection, one of Allah's servants will be summoned before Him and He will ask him, "What deeds did you perform for Me in your life?" He will say, "O Lord! In my life, I have not performed a deed for Your sake that equals an atom," three times. The third time, the servant will add, "O Lord! You granted me wealth and I used to be a merchant. I used to be lenient, giving easy terms to those well-off and giving time to the debtors who faced hard times." Allah will say, "I Am the Most Worthy of giving easy terms. Therefore, enter Paradise.")

Al-Bukhari, Muslim and Ibn Majah also recorded this Hadith from Hudhayfah, and Muslim recorded a similar wording from 'Uqbah bin 'Amir and Abu Mas'ud Al-Badri.

Allah further advised His servants, by reminding them that this life will soon end and all the wealth in it will vanish. He also reminded them that the Hereafter will surely come, when the Return to Him will occur, and that He will hold His creation accountable for what they did, rewarding them or punishing them accordingly. Allah also warned them against His torment,

وَاتَّقُوا يَوْمًا تُرْجَعُونَ فِيهِ إِلَى اللَّهِ ثُمَّ تُوَفَّىٰ كُلُّ نَفْسٍ مَّا كَسَبَتْ وَهُمْ لَا يُظْلَمُونَ

(And have Taqwa for the Day when you shall be brought back to Allah. Then every person shall be paid what he earned, and they shall not be dealt with unjustly.)

It was reported that this was the last Ayah revealed from the Glorious Qur'an. An-Nasa'i recorded that Ibn 'Abbas said, "The last Ayah to be revealed from the Qur'an was,

وَاتَّقُوا يَوْمًا تُرْجَعُونَ فِيهِ إِلَى اللَّهِ ثُمَّ تُوَفَّىٰ كُلُّ نَفْسٍ مَّا كَسَبَتْ وَهُمْ لَا يُظْلَمُونَ

(And have Taqwa for the Day when you shall be brought back to Allah. Then every person shall be paid what he earned, and they shall not be dealt with unjustly.")

This is the same narration reported by Ad-Dahhak and Al-'Awfi from Ibn 'Abbas.

After that there is the sixth verse (280) which, in comparison to the anti-human claim of ربا riba, has stressed upon pure moral behavior of showing lenience to the poor and the have-nots. It is said that, if your borrower is too poor to pay back your loan, the provision of Shari'ah is that he be given time until he has the means, and should you forgive him your loan, it is much better for you.

The general habit of ربا riba-consumers is that they, once they know that their borrower is poor and cannot pay the loan back at the appointed time, add up the ربا riba amount in the principal unleashing a vicious series of ربا riba over ربا riba, even increasing the rate of riba in that process.

Here Allah Almighty, the wisest of all law-givers, gave the law that a genuinely poor borrower who is unable to pay back his loan should not be harassed. Instead, he should be given respite until such time that he becomes capable of doing so. Along with it was given the inducement to forgive the loan which is more beneficial for the lender.

The word, صدقہ sadaqah has been used here by the Qur'an to mean the act of forgiving. The hint given is that this forgiveness will become an act of charity in your case and will bring forth great merit. As for the statement - 'if you forgive, that is better for you' - it can be said that this action was obviously a matter of total loss for them because they were not only being asked to surrender ربا riba but also were going to lose their own principal! Still, the Qur'an called it 'better' (khayr). There are two reasons for this:

1. This betterment will be witnessed soon after the transitory life of this world when, in lieu of this insignificant earning, one will get the eternal blessings of Paradise.

2. Perhaps there may be yet another hint towards the possibility that one will himself see how good comes out of his deeds. There will be بر کہ barakah (increase, bliss) in what one has. The essence of بر کہ barakah is that a little serves to take care of a lot more needs, even without a quantitative increase in what one has. As such, it is commonly witnessed that there is unlimited بر کہ barakah in the wealth of those who spend in صدقہ sadaqah and خیرات khayrat. The little they have serves to take care of so many needs which will never be liquidated with large amounts of money spent by those whose money is Haram (unlawful).

Then there is the wealth not blessed with بر کہ barakah. One never realizes the purpose for which it is spent. Or, it so happens that such rich people have to spend huge amounts of money on undesirable heads such as medicines, treatment and consultancy fees, which is something the poor do not face. First of all, Allah Almighty blesses them with health which frees them from spending on their treatment and, in case they do fall ill, ordinary treatment gives them their health back. Seen from this angle, forgiving the poor person the loan due to him, which is apparently a matter of loss, becomes under this Qur'anic teachings, a beneficial act.

This teaching of giving respite to a poor borrower has also been commended in authentic ahadith some of which are reproduced below.

According to a hadith, in the Mu'jim of al-Tabarani, a person who wishes to be under the shadow of divine mercy when there will be no other shadow for anyone to hide under, he should treat the poor borrower with lenience and deferment, or forgive him the debt, if it comes to that.

Another hadith similar to this appears in Sahih Muslim as well. It is said in a hadith from the Musnad of Ahmad that the person who grants respite to a penniless borrower will get a daily ثواب thawab of صدقہ sadaqah in proportion to the amount due against that borrower. And this calculation covers the act of giving respite well before the deadline for repayment arrives; and when the deadline for repayment does arrive and the borrower does not have the means to pay, the respite given at that time will bring forth for the giver of respite a daily ثواب thawab of giving twice that amount in صدقہ sadaqah.

Another hadith says that a person who wishes that his prayer be answered, or his misfortune be removed, he should give respite to the penniless in debt.

The basic principle of the reformation of a society is for its members to treat each other with justice. There should be neither oppressor nor oppressed. Usury is a form of open economic oppression, that is why Islam has held it unlawful. Business based on the principle of usury, if engaged in under Islamic rule, is deemed to be a criminal offence. However, just as a usurer is not allowed to make anyone the target of his economic oppression, others should also refrain from subjecting him to their oppression. An offender in one field is not deprived of his rights in other fields. Any action taken against any usurer may consist only of withholding the interest due to him. His capital should be returned to him. While giving general commands, Islam makes full concessions to human weaknesses. That is why we have been commanded that if a debtor has fallen upon hard times, he must be granted respite till he is able to repay his debt. We have also been enjoined that if the debtor is insolvent, we should have the courage to write off his debt as charity. One who is forbearing shall deserve a reward from God. This is beneficial in this world too. An atmosphere of mutual compassion, sympathy and well-wishing is produced which is good for all members of society.