Take your own funds back before investing elsewhere

This hadith discusses the prohibition of converting loans into qirads. A qirad is an investment where one person gives money to another person in exchange for a share of profits or losses. In this hadith, Malik speaks about a man who loaned another man money and then asked him to leave it with him as a qirad. Malik said that he does not like this unless the lender takes his money back from him first, and then pays it to him as a qirad if he wishes or keeps it as he wishes. He also spoke about an investor who paid someone else's qirda money and was asked to write it for them as a loan. Again, Malik said that he does not like this unless the investor takes his money from them first before lending it or keeping it as they wish. This is because there may be fear that some of the money has been lost, so they want to defer payment until they can make up what has been lost of it; however, this is disapproved of and not permitted since it is not good practice. Therefore, we learn from this hadith that we should not convert loans into investments without taking our own money back first in order for us to be sure that all our funds are safe and secure before investing them elsewhere.