Beautiful Loan To Allah

The Holy Qur’an uses the word “Qarz hasanah” or  “Beautiful Loan To Allah” to connote spending in order to help and assist the needy. This assistance can be financial as well as otherwise. Whatever we spend , and in whatever shape we spend, with devotion and sincerity to please Allah, has been promised to be returned , here or in hereafter, multiplied with many folds.

A Loan Given With Sincerity and Devotion

The Holy Qur’an uses the word “Qarz hasanah” or  “Beautiful Loan To Allah” to connote spending in order to help and assist the needy. This assistance can be financial as well as otherwise. Whatever we spend , and in whatever shape we spend, with devotion and sincerity to please Allah, has been promised to be returned , here or in hereafter, multiplied with many folds.

`QARZ -E- HASNA’ is not a word coined by anybody. It is from Allah Himself and is found in the Holy Qur’an itself . A look at more than two dozen places in the Qur’an where the expression has been used it becomes clear that it signifies a loan given with sincerity and devotion. It should be given willingly and with enthusiasm.One should not participate in such works grudgingly not just to show off. Furthermore the money donated should not be taken from the earning by ignoble means nor should the donation be a defective useless asset. For example, Quran in Surah Al-Hadid, Ayat 11, says :-

Quran (57_11)

Quran: (57:11)

Who is he that will lend unto Allah a Goodly loan, that He may double it for him and his may be a rich reward?. BL-5At the outset it sounds an impossible thing to happen. Who has the capacity to give loan to Allah? why at all will Allah want to take a loan from His own servants, when Allah Himself is the Creator and Sustainer of the entire universe? These and such other questions do arise in our minds and therefore, it will not be out of place to explain in brief the concept of `QARZ -E- HASNA’, in the light of the relevant verses (Ayaat) from the Holy Quran. Imagine the almighty Allah, who can create anything , by just saying “Kun” is asking humans to give him loan. Anything that we spend in the way of Allah, in fact, is bestowed by Him. He did not owe us any of these blessings at all. It is only because of His graciousness that He calls it a loan that we spend it His way. He promises to return it to us manifold. When He is asking for loan, it does not mean, the loan we get from some individual or bank for our needs. What is ` goodly loans,” beautiful loan? Many learned authors has explained it as under : “Goodly loan signifies whatever given to another person selflessly and absolutely pure motives. Allah describes whatever man spends in this manner as a loan made to none other than Him, and He undertakes to repay it several fold. The stipulation however, is that the loan should be a ` “goodly” one, that is, it should not be tainted with selfish designs and I should be given for the sake of Allah, for the purposes pleasing Him”. It means we should do some good act, which pleases him. What we should do is a very long list, but some acts could be:-

  1. If there is an orphan in the vicinity, treat him as your own, and help him fulfill the needs.
  2. If there is a girl, whose marriage is stuck up for she is poor, and cannot afford dowry, help her out.
  3. If there is a sick man who cannot afford to buy his medicine , help him out.
  4. If there is an illiterate lady, needy help to read letter of her husband or son from abroad, help her out.
  5. If you see an animal, in deep trouble, needy help, do provide the help.
  6. If you see some body , very sad, at least talk to him, and try to remove his sadness.

  BL-6There are forms of loans in islam, Qarz-e-hasna is one of them which is the best form of discount.  No finance scheme can be better than this one, if a needy person wants some money he can take qarz -e-hasna from a person and he can return that money whenever he will be able to return that or if the person would not be able to return the money the lender will not ask him for the money. Since Islam is based on trust and belief so it is basically a mutual agreement and is there to accommodate the needy. If the needy cannot pay you back in this world, be rest assured, you shall get the reward in the next world. One of the ways a man continues adding to his good deeds even after his death is arranging to spend in the way of Allah. Charities to all those who are in need. This is known as `Sawabe Jariya’ The man may do of in his own life or on an his behalf his nears and dears may do it. By deviating a little, we may make mention of another very fundamental (Muhakeem) Ayat that is 3:92,which is the very first ayat in the 4 para and is known as “lan tanalul birr” the translation of the said ayat (3:92) Lan tanalu’ is as under. By no means shall you attain righteousness unless you give (freely) of that which you love; and whatever you give , of a truth, God knoweth it well” Quran :(3.-92). In this ayate Karima – Lantanalu- we are told the utmostimportance of charity. If we do not spend in the way of Allah from amongst best that we have, all our Ibadaat shall not be of avail to us. We shall nor attain any righteousness. By no means, very very emphatic wordings. Similarly in Sura Ma’un (qur’an : 107) Allah tells us that if we refuse help to needy & destitute & refuse to meet even their small needs then our `Namaz’ is only for showing to people & not for the sake of Allah. In sura Al-Takasur (Qur’an – 102) Allah warns us that on that `Day’ we shall be questioned about the Bounties of Allah bestowed on us and how we utilised them. Did we selfishly enjoy ourselves or did we also remember the poor down trodden and helped them. These are some of the Quranic Teachings we have quoted above. The religion of Islam Teaches us to `sacrifice’ from amongst the best. `QARZ -E- HASNA’ is actually the climax of all the Qur’anic teachings on aspect of spending in the way of Allah and only for the sake of Allah. Without any expectation of worldly gain.

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Retired as Aeronautical Engineer, and worked as a journalist for a long time. Settled down to dedicate myself to the service of the religion. Have translated holy Quran in poetry, and I am in the process of writing Tafsir. I encourage all interested to send articles to this website, where the articles shall be printed with their own names. If you like an article, please "Like' in the "Facebook box" on right side

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