The Difference Between a Loan and Riba al-Nasi'ah (Usury of Deferment)
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Question:
He says: Honorable Shaykh, may Allah grant you success, what is the difference between a loan and riba al-nasi'ah (usury of deferment), given that both involve a term without an increase?
Answer:
A loan is a gift, whereas riba is a contract between two parties. As for the loan, it is a gift, and its purpose is to make things easy for the one in difficulty. Riba, on the other hand, is intended for investment; its purpose is not to make things easy for the one in need, but rather for investment and exploiting the need of the needy. Yes.
He says: Honorable Shaykh, may Allah grant you success, what is the difference between a loan and riba al-nasi'ah (usury of deferment), given that both involve a term without an increase?
Answer:
A loan is a gift, whereas riba is a contract between two parties. As for the loan, it is a gift, and its purpose is to make things easy for the one in difficulty. Riba, on the other hand, is intended for investment; its purpose is not to make things easy for the one in need, but rather for investment and exploiting the need of the needy. Yes.
Source
الفوزان -أشرطة- شرح زاد المستقنع مع الأسئلة - 053-السلم والرهن والقرض - 9-8-23 هـ — archive.org (1:12:28)
The Arabic text is a machine transcription of the audio recording.