2:282 — Al-Baqarah
Al-Baqarah|Surah 2البقرة

Surah Al-Baqarah — Verse 282

2:282
يَـٰٓأَيُّهَا ٱلَّذِينَ ءَامَنُوٓاْ إِذَا تَدَايَنتُم بِدَيۡنٍ إِلَىٰٓ أَجَلٖ مُّسَمّٗى فَٱكۡتُبُوهُۚ وَلۡيَكۡتُب بَّيۡنَكُمۡ كَاتِبُۢ بِٱلۡعَدۡلِۚ وَلَا يَأۡبَ كَاتِبٌ أَن يَكۡتُبَ كَمَا عَلَّمَهُ ٱللَّهُۚ فَلۡيَكۡتُبۡ وَلۡيُمۡلِلِ ٱلَّذِي عَلَيۡهِ ٱلۡحَقُّ وَلۡيَتَّقِ ٱللَّهَ رَبَّهُۥ وَلَا يَبۡخَسۡ مِنۡهُ شَيۡـٔٗاۚ فَإِن كَانَ ٱلَّذِي عَلَيۡهِ ٱلۡحَقُّ سَفِيهًا أَوۡ ضَعِيفًا أَوۡ لَا يَسۡتَطِيعُ أَن يُمِلَّ هُوَ فَلۡيُمۡلِلۡ وَلِيُّهُۥ بِٱلۡعَدۡلِۚ وَٱسۡتَشۡهِدُواْ شَهِيدَيۡنِ مِن رِّجَالِكُمۡۖ فَإِن لَّمۡ يَكُونَا رَجُلَيۡنِ فَرَجُلٞ وَٱمۡرَأَتَانِ مِمَّن تَرۡضَوۡنَ مِنَ ٱلشُّهَدَآءِ أَن تَضِلَّ إِحۡدَىٰهُمَا فَتُذَكِّرَ إِحۡدَىٰهُمَا ٱلۡأُخۡرَىٰۚ وَلَا يَأۡبَ ٱلشُّهَدَآءُ إِذَا مَا دُعُواْۚ وَلَا تَسۡـَٔمُوٓاْ أَن تَكۡتُبُوهُ صَغِيرًا أَوۡ كَبِيرًا إِلَىٰٓ أَجَلِهِۦۚ ذَٰلِكُمۡ أَقۡسَطُ عِندَ ٱللَّهِ وَأَقۡوَمُ لِلشَّهَٰدَةِ وَأَدۡنَىٰٓ أَلَّا تَرۡتَابُوٓاْ إِلَّآ أَن تَكُونَ تِجَٰرَةً حَاضِرَةٗ تُدِيرُونَهَا بَيۡنَكُمۡ فَلَيۡسَ عَلَيۡكُمۡ جُنَاحٌ أَلَّا تَكۡتُبُوهَاۗ وَأَشۡهِدُوٓاْ إِذَا تَبَايَعۡتُمۡۚ وَلَا يُضَآرَّ كَاتِبٞ وَلَا شَهِيدٞۚ وَإِن تَفۡعَلُواْ فَإِنَّهُۥ فُسُوقُۢ بِكُمۡۗ وَٱتَّقُواْ ٱللَّهَۖ وَيُعَلِّمُكُمُ ٱللَّهُۗ وَٱللَّهُ بِكُلِّ شَيۡءٍ عَلِيمٞ
O ye who believe! When ye contract a debt for a fixed term, record it in writing. Let a scribe record it in writing between you in (terms of) equity. No scribe should refuse to write as Allah hath taught him, so let him write, and let him who incurreth the debt dictate, and let him observe his duty to Allah his Lord, and diminish naught thereof. But if he who oweth the debt is of low understanding, or weak, or unable himself to dictate, then let the guardian of his interests dictate in (terms of) equity. And call to witness, from among your men, two witnesses. And if two men be not (at hand) then a man and two women, of such as ye approve as witnesses, so that if the one erreth (through forgetfulness) the other will remember. And the witnesses must not refuse when they are summoned. Be not averse to writing down (the contract) whether it be small or great, with (record of) the term thereof. That is more equitable in the sight of Allah and more sure for testimony, and the best way of avoiding doubt between you; save only in the case when it is actual merchandise which ye transfer among yourselves from hand to hand. In that case it is no sin for you if ye write it not. And have witnesses when ye sell one to another, and let no harm be done to scribe or witness. If ye do (harm to them) lo! it is a sin in you. Observe your duty to Allah. Allah is teaching you. And Allah is knower of all things.
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Verse Summary
O you who have faith in Allah and follow His Messenger, when you enter a transaction that involves a debt – such as when you give a loan to one another for a fixed period –then write it down.
Tafseer — Commentary

O you who have faith in Allah and follow His Messenger, when you enter a transaction that involves a debt – such as when you give a loan to one another for a fixed period –then write it down. The person who is able to write should write it down fairly and in accordance with the sacred law, and should not refuse to write down the debt in accordance with what Allah has taught him about writing justly. He should write what is dictated by the person against whom the right is so that it serves as an acknowledgement from him. He should be mindful of Allah and not reduce anything from the value or description of the debt. If the debtor is not experienced in undertaking transactions, young, insane or is not able to dictate due to being mute or for some other reason, then his authoritative guardian should dictate with fairness. Also, call two sane and upright men as witnesses. If two men are not found, then call one man and two women whose religion and honesty you are satisfied with, so that if one of the women forgets, the other can remind her. The witness should not refuse to be a witness to a debt and must testify if required. Do not be lazy to write down the debt, no matter how small the amount, as this is more just in Allah’s law, more reliable as evidence and more likely to remove any doubt in the type, amount or period of the debt. However, if the transaction is for an item that is present in exchange for a spot price there is no harm in not writing down, since there is no need to do so. Calling witnesses is legislated so that disputes do not arise. It is unlawful to cause any harm to the witnesses or the ones who write; nor may they cause any harm to those who request them to write or stand witness. If anyone causes harm, he is going against Allah’s sacred law. O people of faith, be mindful of Allah by fulfilling His instructions and avoiding His prohibitions. Allah will teach you what is best for you in this world and the Afterlife. Allah knows everything and nothing is hidden from Him.

Transliteration
Yaa ayyuhal lazeena aamanoo izaa tadaayantum bidinin ilaa ajalimmusamman faktubooh; walyaktub bainakum kaatibum bil'adl; wa laa yaaba kaatibun ai yaktuba kamaa 'allamahul laah; falyaktub walyumlilil lazee 'alaihil haqqu walyattaqil laaha rabbahoo wa laa yabkhas minhu shai'aa; fa in kaanal lazee 'alaihil lhaqqu safeehan aw da'eefan aw laa yastatee'u ai yumilla huwa falyumlil waliyyuhoo bil'adl; wastash hidoo shaheedaini mir rijaalikum fa il lam yakoonaa rajulaini farajulunw wamra ataani mimman tardawna minash shuhadaaa'i an tadilla ihdaahumaa fatuzakkira ihdaahumal ukhraa; wa laa yaabash shuhadaaa'u izaa maadu'oo; wa laa tas'amooo an taktuboohu sagheeran awkabeeran ilaaa ajalih; zaalikum aqsatu 'indal laahi wa aqwamu lishshahaadati wa adnaaa allaa tartaabooo illaaa an takoona tijaaratan haadiratan tudeeroonahaa bainakum falaisa 'alaikum junaahun allaa taktuboohan; wa ashidooo izaa tabaaya'tum; wa laa yudaaarra kaatibunw wa laa shaheed; wa in taf'aloo fa innahoo fusooqum bikum; wattaqul laaha wa yu'allimu kumul laah; wallaahu bikulli shai'in 'Aleem
Topics in this verse
Writing Contracts of Indebtedness and Role of Scribes كتابة الديون المؤجلة وشروط الكاتب بالعدل Dictation by the Debtor or Guardian with Equity إملاء من عليه الحق أو وليه بالعدل Regulations and Qualifications of Witnesses استشهاد رجلين أو رجل وامرأتين وضوابط الشهادة Prohibition of Harming Scribes and Witnesses النهي عن مضارة الكاتب والشهيد
Word-by-Word
يَـٰٓأَيُّهَا yāayyuhā O you
ٱلَّذِينَ alladhīna who
ءَامَنُوٓاْ āmanū believe [d]
إِذَا idhā When
تَدَايَنتُم tadāyantum you contract with one another
بِدَيۡنٍ bidaynin any debt
إِلَىٰٓ ilā for
أَجَلٖ ajalin a term
مُّسَمّٗى musamman fixed
فَٱكۡتُبُوهُۚ fa-uk'tubūhu then write it
وَلۡيَكۡتُب walyaktub And let write
بَّيۡنَكُمۡ baynakum between you
كَاتِبُۢ kātibun a scribe
بِٱلۡعَدۡلِۚ bil-ʿadli in justice
وَلَا walā And not
يَأۡبَ yaba (should) refuse
كَاتِبٌ kātibun a scribe
أَن an that
يَكۡتُبَ yaktuba he writes
كَمَا kamā as
عَلَّمَهُ ʿallamahu (has) taught him
ٱللَّهُۚ l-lahu Allah
فَلۡيَكۡتُبۡ falyaktub So let him write
وَلۡيُمۡلِلِ walyum'lili and let dictate
ٱلَّذِي alladhī the one
عَلَيۡهِ ʿalayhi on whom
ٱلۡحَقُّ l-ḥaqu (is) the right
وَلۡيَتَّقِ walyattaqi and let him fear
ٱللَّهَ l-laha Allah
رَبَّهُۥ rabbahu his Lord
وَلَا walā and (let him) not
يَبۡخَسۡ yabkhas diminish
مِنۡهُ min'hu from it
شَيۡـٔٗاۚ shayan anything
فَإِن fa-in Then if
كَانَ kāna is
ٱلَّذِي alladhī the one
عَلَيۡهِ ʿalayhi on him
ٱلۡحَقُّ l-ḥaqu (is) the right
سَفِيهًا safīhan (of) limited understanding
أَوۡ aw or
ضَعِيفًا ḍaʿīfan weak
أَوۡ aw or
لَا lā not
يَسۡتَطِيعُ yastaṭīʿu capable
أَن an that
يُمِلَّ yumilla (can) dictate
هُوَ huwa he
فَلۡيُمۡلِلۡ falyum'lil then let dictate
وَلِيُّهُۥ waliyyuhu his guardian
بِٱلۡعَدۡلِۚ bil-ʿadli with justice
وَٱسۡتَشۡهِدُواْ wa-is'tashhidū And call for evidence
شَهِيدَيۡنِ shahīdayni two witnesses
مِن min among
رِّجَالِكُمۡۖ rijālikum your men
فَإِن fa-in And if
لَّمۡ lam not
يَكُونَا yakūnā there are
رَجُلَيۡنِ rajulayni two men
فَرَجُلٞ farajulun then one man
وَٱمۡرَأَتَانِ wa-im'ra-atāni and two women
مِمَّن mimman of whom
تَرۡضَوۡنَ tarḍawna you agree
مِنَ mina of
ٱلشُّهَدَآءِ l-shuhadāi [the] witnesses
أَن an (so) that (if)
تَضِلَّ taḍilla [she] errs
إِحۡدَىٰهُمَا iḥ'dāhumā one of the two
فَتُذَكِّرَ fatudhakkira then will remind
إِحۡدَىٰهُمَا iḥ'dāhumā one of the two
ٱلۡأُخۡرَىٰۚ l-ukh'rā the other
وَلَا walā And not
يَأۡبَ yaba (should) refuse
ٱلشُّهَدَآءُ l-shuhadāu the witnesses
إِذَا idhā when
مَا mā that
دُعُواْۚ duʿū they are called
وَلَا walā And not
تَسۡـَٔمُوٓاْ tasamū (be) weary
أَن an that
تَكۡتُبُوهُ taktubūhu you write it
صَغِيرًا ṣaghīran small
أَوۡ aw or
كَبِيرًا kabīran large
إِلَىٰٓ ilā for
أَجَلِهِۦۚ ajalihi its term
ذَٰلِكُمۡ dhālikum That
أَقۡسَطُ aqsaṭu (is) more just
عِندَ ʿinda near
ٱللَّهِ l-lahi Allah
وَأَقۡوَمُ wa-aqwamu and more upright
لِلشَّهَٰدَةِ lilshahādati for evidence
وَأَدۡنَىٰٓ wa-adnā and nearer
أَلَّا allā that not
تَرۡتَابُوٓاْ tartābū you (have) doubt
إِلَّآ illā except
أَن an that
تَكُونَ takūna be
تِجَٰرَةً tijāratan a transaction
حَاضِرَةٗ ḥāḍiratan present
تُدِيرُونَهَا tudīrūnahā you carry out
بَيۡنَكُمۡ baynakum among you
فَلَيۡسَ falaysa then not
عَلَيۡكُمۡ ʿalaykum on you
جُنَاحٌ junāḥun any sin
أَلَّا allā that not
تَكۡتُبُوهَاۗ taktubūhā you write it
وَأَشۡهِدُوٓاْ wa-ashhidū And take witness
إِذَا idhā when
تَبَايَعۡتُمۡۚ tabāyaʿtum you make commercial transaction
وَلَا walā And not
يُضَآرَّ yuḍārra (should) be harmed
كَاتِبٞ kātibun (the) scribe
وَلَا walā and not
شَهِيدٞۚ shahīdun (the) witness
وَإِن wa-in and if
تَفۡعَلُواْ tafʿalū you do
فَإِنَّهُۥ fa-innahu then indeed it
فُسُوقُۢ fusūqun (is) sinful conduct
بِكُمۡۗ bikum for you
وَٱتَّقُواْ wa-ittaqū and fear
ٱللَّهَۖ l-laha Allah
وَيُعَلِّمُكُمُ wayuʿallimukumu And teaches
ٱللَّهُۗ l-lahu Allah
وَٱللَّهُ wal-lahu And Allah
بِكُلِّ bikulli of every
شَيۡءٍ shayin thing
عَلِيمٞ ʿalīmun (is) All-Knower
Themes
◆The Verse of Debt (Ayat al-Dayn): Documentation and Commercial Lawآية الدين وأحكام توثيق المعاملات المالية