The questioner says: I heard on one of the religious programs discussing riba (usury or interest) that the Messenger of Allah (peace and blessings be upon him) said, [Every loan that brings a benefit is riba (usury or interest)], and this was repeated.
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The questioner : The questioner says: I heard on one of the religious programs discussing riba (usury or interest) that the Messenger of Allah (peace and blessings be upon him) said and this statement was repeated as a hadith from the Prophet (peace and blessings be upon him). According to my knowledge from reviewing some books, especially the book "Al-Taj al-Jami'" of authentic Sunan books, I have not seen this text attributed to the Prophet (peace be upon him). All I know is that it is a jurisprudential rule. I ask you to kindly inform me of the source and the narrator of this hadith?
The Shaykh : Praise be to Allah, Lord of the worlds. This hadith is weak in its attribution to the Prophet (peace and blessings be upon him), but its meaning is correct. This is because a loan is intended for the sake of accommodation and meeting the need of the borrower. If it goes beyond that to include a benefit for the lender, whether stipulated or mutually agreed upon, it departs from the purpose for which it was legislated. Otherwise, in reality, if it were not for the sake of accommodation, it would be forbidden to give a person a dirham and then have him give you another dirham in exchange after a period of time, because this is in reality riba al-nasi'ah (usury of deferment), as it is an exchange of currency for currency with a delay in possession. But because it includes accommodation, kindness, and meeting a need, it was permitted for this purpose. So if it brings a benefit to the lender, it departs from the purpose for which it was permitted. Accordingly, any benefit the lender acquires from this loan, if it is through stipulation or mutual agreement, is forbidden for him. Also, if the lender starts taking without stipulation and accepts a gift from this borrowing man, the scholars say: if it is his custom to give him gifts, let him accept it. But if it is not his custom to give him gifts, and he only gave him a gift because of the loan, then it is not permissible for him to accept this gift unless he intends to reward him for it or to count it as part of his debt. Yes.
The questioner : May Allah bless you. This is a message from the questioner Abu al-Muhannad Yunus from Iraq, Ninawa Governorate.
Every loan that brings a benefit is riba (usury or interest)
كل قرض جر نفعاً فهو رباThe Shaykh : Praise be to Allah, Lord of the worlds. This hadith is weak in its attribution to the Prophet (peace and blessings be upon him), but its meaning is correct. This is because a loan is intended for the sake of accommodation and meeting the need of the borrower. If it goes beyond that to include a benefit for the lender, whether stipulated or mutually agreed upon, it departs from the purpose for which it was legislated. Otherwise, in reality, if it were not for the sake of accommodation, it would be forbidden to give a person a dirham and then have him give you another dirham in exchange after a period of time, because this is in reality riba al-nasi'ah (usury of deferment), as it is an exchange of currency for currency with a delay in possession. But because it includes accommodation, kindness, and meeting a need, it was permitted for this purpose. So if it brings a benefit to the lender, it departs from the purpose for which it was permitted. Accordingly, any benefit the lender acquires from this loan, if it is through stipulation or mutual agreement, is forbidden for him. Also, if the lender starts taking without stipulation and accepts a gift from this borrowing man, the scholars say: if it is his custom to give him gifts, let him accept it. But if it is not his custom to give him gifts, and he only gave him a gift because of the loan, then it is not permissible for him to accept this gift unless he intends to reward him for it or to count it as part of his debt. Yes.
The questioner : May Allah bless you. This is a message from the questioner Abu al-Muhannad Yunus from Iraq, Ninawa Governorate.