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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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Guarantee of a pledge in the event of its loss

Machine translationRead the Arabic original
Question:
Honorable Shaykh, if the pledged item is lost without the pledgee’s fault, who is liable to guarantee it?

Answer:
The owner is liable. The pledgor is liable. If it is lost, he bears the cost. If it increases in value, he is entitled to the increase. Yes.
Source شرح بلوغ المرام من أدلة الأحكام [ صالح الفوزان ]، أبواب السلم والقرض والرهن — islamhouse.com (11:27)

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

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