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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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Guaranteeing a borrowed item in cases of transgression and negligence

Machine translationRead the Arabic original
Question:
If it is lost without any transgression or negligence, it is not guaranteed except by condition. So if I gave you a similar item, such as a weapon or clothes, or a mattress, and a period of time passed during which you were negligent, your house burned down, or it was stolen while you had taken precautions, or you did what was required of fortifications, and you did not act negligently, then there is no liability.

Answer:
Only the one who acts negligently is liable to guarantee it. May Allah grant you success.
Source شرح بلوغ المرام [ ابن باز ] [ الشرح الجديد ]، باب الغصب — islamhouse.com

The Arabic text is a machine transcription of the audio recording.

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