Debt الدّين

Beware of Debt

إيّاكم والدَّينَ

1ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): إيّاكم والدَّينَ ، فإنّه هَمٌّ بِالليلِ وذُلٌّ بالنهارِ.

1– The Prophet (S) said, ‘Beware of debt for verily it is a source of anxiety in the night and a source of disgrace during the day.’[Bihar al-Anwar, v. 103, p. 141, no. 4]

2ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): كَثرَةُ الدَّينِ تُصَيِّرُ الصادِقَ كاذِباً والمُنجِزَ مُخْلِفاً.

2– Imam Ali (a.s.) said, ‘Copious debts transform the truthful man into a liar and an achiever into one who is unreliable.’[Ghurar al-Hikam, no. 7105]

3ـ الإمامُ الصّادقُ (عَلَيهِ الّسَلامُ): خَفِّفوا الدَّينَ ، فإنّ في خِفَّةِ الدَّينِ زيادَةَ العُمُرِ.

3– Imam al-Sadiq (a.s.) said, ‘Lighten your debts, for verily with little debt comes longer life.’[Bihar al-Anwar, v. 103, p. 145, no. 21]

Permission to Incur Debt when in Need

جوازُ الاستِدانَةِ مَعَ الحاجَةِ

4ـ الإمامُ الكاظمُ (عَلَيهِ الّسَلامُ): مَن طَلَبَ هذا الرِّزقَ مِن حِلِّهِ لِيَعودَ بهِ عَلى نفسِهِ وعِيالِهِ كانَ كالمُجاهِدِ في سبيلِ اللّه‏ِ عزّ وجلّ ، فإن غَلَبَ علَيهِ فَلْيَستَدِنْ عَلَى اللّه‏ِ وعَلى رسولِهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ) ما يَقوتُ بهِ عِيالَهُ.

4– Imam al-Kazim (a.s.) said, ‘One who seeks to gain sustenance for himself and his family in a lawful manner is as the one who fights in the way of Allah. But if he is unable to do so he may incur debt, trusting in Allah and His Prophet, in order to ensure provisions for his family.’[al-Kafi, v. 5, p. 93, no. 3]

Encouragement to Write a Contract for Any Loan

الحَثُّ عَلى كِتابَةِ الدَّينِ

5ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): أصنافٌ لا يُستَجابُ لَهُم ، مِنهُم مَن أدانَ رَجُلاً دَيناً إلى أجَلٍ فلَم يَكتُبْ علَيهِ كِتاباً ولَم يُشهِدْ علَيهِ شُهُوداً.

5– The Prophet (S) said, ‘There are certain types of people whose supplications are not answered. From among them is the man who lends money to someone for a specified time and neither writes it down nor has anyone witness it.’[Bihar al-Anwar, v. 104, p. 301, no. 1]

Prohibition of the Postponement of Repaying Debts

النَّهيُ عَنِ المُماطَلَةِ فِي الدَّينِ

6ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَن يَمطُلْ على ذِي حَقٍّ حَقَّهُ وهُو يَقدِرُ على أداءِ حَقِّهِ فعلَيهِ كُلَّ يومٍ خَطيئةُ عَشّارٍ.

6– The Prophet (S) said, ‘Whoever postpones repaying someone their right while he is capable of doing has the sin of an extortionist written down for him as every day passes by.’[Bihar al-Anwar, v. 103, p. 146, no. 3]

7ـ رسولُ اللهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَطْلُ الغَنِيِّ ظُلمٌ.

7– The Prophet (S) said, ‘A wealthy man’s postponement [in repayment of a debt] is oppression.’[Mustadrak al-Wasa’il, v. 13, p. 397, no. 15713]

8ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): أبخَلُ الناسِ بِعَرَضِهِ أسخاهُم بِعِرضِهِ.

8– Imam Ali (a.s.) said, ‘The most miserly person with regards to his wealth is the most liberal in squandering away his reputation.’[Ghurar al-Hikam, no. 3190]