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Jami at-Tirmidhi 1316 (Book 14, Hadith 119) #26892
Repaying Loans with Good Character

SUMMARY: The Prophet Muhammad (PBUH) was an example of good character and behavior, as he was the best in repaying a loan.

Narrated Abu Hurairah: "The Messenger of Allah took a camel of a particular age on loan. He gave back to him a camel of a better age than the one he was given. He said: 'The best among you is the best in repaying'." He said: There is something on this topic from Abu Rafi'. Abu 'Eisa said: The Hadith of Abu Hurairah is a Hasan Sahih Hadith. Shu'bah and Sufyan reported it from Salamah. This is acted upon according to some of the people of knowledge, they saw no harm is taking a camel of a particular age as a loan. This is the view of Ash-Shafi'i, Ahmad, and Ishaq. But some of them disliked that.
حَدَّثَنَا أَبُو كُرَيْبٍ، حَدَّثَنَا وَكِيعٌ، عَنْ عَلِيِّ بْنِ صَالِحٍ، عَنْ سَلَمَةَ بْنِ كُهَيْلٍ، عَنْ أَبِي سَلَمَةَ، عَنْ أَبِي هُرَيْرَةَ، قَالَ اسْتَقْرَضَ رَسُولُ اللَّهِ سِنًّا فَأَعْطَاهُ سِنًّا خَيْرًا مِنْ سِنِّهِ وَقَالَ ‏ "‏ خِيَارُكُمْ أَحَاسِنُكُمْ قَضَاءً ‏"‏ ‏.‏ قَالَ وَفِي الْبَابِ عَنْ أَبِي رَافِعٍ ‏.‏ قَالَ أَبُو عِيسَى حَدِيثُ أَبِي هُرَيْرَةَ حَدِيثٌ حَسَنٌ صَحِيحٌ ‏.‏ وَقَدْ رَوَاهُ شُعْبَةُ وَسُفْيَانُ عَنْ سَلَمَةَ ‏.‏ وَالْعَمَلُ عَلَى هَذَا عِنْدَ بَعْضِ أَهْلِ الْعِلْمِ لَمْ يَرَوْا بِاسْتِقْرَاضِ السِّنِّ بَأْسًا مِنَ الإِبِلِ ‏.‏ وَهُوَ قَوْلُ الشَّافِعِيِّ وَأَحْمَدَ وَإِسْحَاقَ ‏.‏ وَكَرِهَ بَعْضُهُمْ ذَلِكَ

TOPICS
loan  *  repayment  *  character  *  qarz  *  tawwabah  *  khaira  *  muhammad

QUICK LESSONS:
Be honest and trustworthy when dealing with others; Strive to be like the Prophet Muhammad (ﷺ); Pay your debts on time; Be generous if you can afford it; Set an example for others by having good character.

EXPLANATIONS:
This hadith is about the exemplary character of the Prophet Muhammad ﷺ. He took a loan from someone and gave back to him a camel of better age than what he was given. This shows that he was not only generous but also honest and trustworthy in his dealings. He set an example for us to follow by being the best in repaying loans, which is an important part of having good character. We should strive to be like him by being honest and trustworthy when it comes to our dealings with others, especially when it comes to money or any other form of debt we owe them.

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