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Shiavault - a Vault of Shia Islamic Books A Divine Perspective on Rights Right n. 36: The Right of the Creditor حق الغريم الطالب وَأمّا حَقُّ الغَرِيمِ الطَّالِب لَكَ، فَإنْ كُنْتَ مُوسِرًا أَوفَيتَهُ وَكَفَيتَهُ وَأَغْنَيتَهُ وَلَمْ ترْدُدْهُ وتَمْطُلْهُ فَإنَّ رَسُولَ اللَّهِ صَلَّى اللهُ عَلَيْهِ وَآلِهِ - قَالَ – «مَطَلُ الغَنِيِّ ظُلْمٌ».

وَإنْ كُنْتَ مُعْسِرًا أَرْضَيتَهُ بحُسْنِ القَوْلِ وَطَلَبتَ إلَيهِ طَلَباً جَمِيلاً وَرَدَدتَهُ عَنْ نفْسِكَ ردًّا لَطِيفًا، وَلَمْ تَجْمَعَ عَلَيْهِ ذهَابَ مَالِهِ وَسُوءَ مُعَامَلَتِهِ فَإنَّ ذلِكَ لؤمٌ. ولا قُوَّةَ إلاّ باللهِ. And the right of him to whom you owe [^1] is that you should pay him back if you have the means to do so. You should meet his need, make him rich, and avoid putting him off and procrastinating.

The Prophet, may God’s peace be upon him and his household, said: “The procrastination of the rich is oppression.” But if you are in hardship, you should satisfy him by using good words. You should gently ask him and send him away with gentleness. You should not take his property and mistreat him too. That is meanness. And there is no power but in God. In short, Imam Sajjad said: “One should pay back his debt if he can do so. It is not right to postpone the repayment of a debt.

One should talk gently and be good-tempered when dealing with the creditor. Otherwise, one is blameworthy since he has taken the money and is rude to the creditor too. Our life has many vicissitudes. It is not always the same. At times, we are rich. At other times, we may be poor. We must try hard to maintain our dignity under all conditions. When rich we should not become rebellious and sinful. In addition, when we are poor we should not debase ourselves.

An important issue in Islam is helping others during times when they need money by giving them a loan. We are also advised to give more time to those who do not have money to pay back their loan to us. There are many verses of the Holy Qur’an that outline the value and importance of this issue. Loaning to God Charity is recommended in Islam. In addition, an important form of loan in Islam is an interest-free loan.

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