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﴿ فَاسْأَلُوا أَهْلَ الذِّكْرِ إِن كُنتُمْ لَا تَعْلَمُونَ ﴾

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The Ruling on Pledging a Debt

Machine translationRead the Arabic original
Question:
A man pledged a farm to me for a specific amount. I plow it and pay him one-third of the harvest in exchange for his ownership, and two-thirds to me in exchange for plowing the land. What is the ruling on the amount with the pledgor? Is it riba (usury or interest) or not?

Answer:
If he pledged to you the land containing the crops regarding the debt he owes you, and you took it for the same share people take, such as one-third or one-quarter, without increasing it for the sake of the debt, then there is no harm.
However, if you increased it: people take one-quarter, but you gave him one-third because of the debt, that is not permissible. This is because it is an increase over the repayment, resembling a loan with an increase. But if you took it for the same share people take it for, whether this farm is for one-third, one-quarter, or one-fifth, and you did not increase anything beyond that, then there is no harm. Otherwise, it is not permissible, because it falls under the category of an increase in exchange for his delaying this debt.
Source binbaz.org.sa

The Arabic text is copied verbatim from the original source, without any edits.

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