“Every loan that brings a benefit is riba”

Question: What is the ruling on lending money to a person on the condition that he repays that loan within a specific period, and that he lends me the same amount for the same initial period? Does this fall under the hadith: , given that the request for an increase was not stipulated? Please inform us, may Allah reward you with good.

Answer: This loan is not permissible because it entails stipulating a similar loan for the lender, which involves a contract within a contract; thus, it is like two sales in one sale. Furthermore, it stipulates a benefit in excess of the mere loan, namely that he lends him the same amount. The scholars have reached consensus that any loan that entails a stipulated additional benefit or a tacit agreement on it is riba. As for the hadith: , it is weak, but reports from a group of the Companions (may Allah be pleased with them) indicate its meaning, provided that the benefit is stipulated, or is considered stipulated, or is the debt itself.