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(Book 37, Hadith 8) #36533
Beware of Debts

SUMMARY: Umar ibn al-Khattab warned people against incurring debts and advised them to be careful in repaying them, as they can lead to destitution.

Malik related to me from Umar ibn Abd ar-Rahman ibn Dalaf al- Muzani from his father that a man from the Juhaynah tribe used to buy camels before people set out for hajj and sell them at a higher price. Then he travelled quickly and used to arrive in Makka before the others who set out for hajj. He went bankrupt and his situation was put before Umar ibn al-Khattab, who said, "O People! al-Usayfi, al- Usayfi of the Juhaynah, was satisfied with his deen and his trust because it was said of him that he arrived before the others on hajj. He used to incur debts which he was not careful to repay, so all of his property has been eaten up by it. Whoever has a debt against him, let him come to us tomorrow and we will divide his property between his creditors. Beware of debts! Their beginning is a worry and their end is destitution".
وَحَدَّثَنِي مَالِكٌ، عَنْ عُمَرَ بْنِ عَبْدِ الرَّحْمَنِ بْنِ دَلاَفٍ الْمُزَنِيِّ، عَنْ أَبِيهِ، أَنَّ رَجُلاً، مِنْ جُهَيْنَةَ كَانَ يَسْبِقُ الْحَاجَّ فَيَشْتَرِي الرَّوَاحِلَ فَيُغْلِي بِهَا ثُمَّ يُسْرِعُ السَّيْرَ فَيَسْبِقُ الْحَاجَّ فَأَفْلَسَ فَرُفِعَ أَمْرُهُ إِلَى عُمَرَ بْنِ الْخَطَّابِ فَقَالَ أَمَّا بَعْدُ أَيُّهَا النَّاسُ فَإِنَّ الأُسَيْفِعَ أُسَيْفِعَ جُهَيْنَةَ رَضِيَ مِنْ دِينِهِ وَأَمَانَتِهِ بِأَنْ يُقَالَ سَبَقَ الْحَاجَّ أَلاَ وَإِنَّهُ قَدْ دَانَ مُعْرِضًا فَأَصْبَحَ قَدْ رِينَ بِهِ فَمَنْ كَانَ لَهُ عَلَيْهِ دَيْنٌ فَلْيَأْتِنَا بِالْغَدَاةِ نَقْسِمُ مَالَهُ بَيْنَهُمْ وَإِيَّاكُمْ وَالدَّيْنَ فَإِنَّ أَوَّلَهُ هَمٌّ وَآخِرَهُ حَرْبٌ
TOPICS
debt  *  worry  *  destitution  *  satisfaction  *  qarz  *  tahassun  *  faqr  *  rida

QUICK LESSONS:
Be careful when taking on any kind of debt; Pay back your loans/debts promptly; Strive towards being satisfied with one's deen; Trust in Allah SWT

EXPLANATIONS:
This hadith is a warning against incurring debts, as it can lead to destitution. Umar ibn al-Khattab was speaking about a man from the Juhaynah tribe who used to buy camels before people set out for Hajj and sell them at a higher price. He travelled quickly and used to arrive in Makka before the others who set out for Hajj, but he went bankrupt due to his debts which he was not careful enough in repaying. Umar ibn al-Khattab advised that whoever had a debt against him should come forward so that his property could be divided between his creditors, and warned people of the dangers of debt by saying “Beware of debts! Their beginning is a worry and their end is destitution”. This hadith teaches us that we should be very careful when taking on any kind of debt, as it can have serious consequences if not managed properly or paid back on time. We should also strive towards being satisfied with our deen and trust in Allah SWT so that we do not need to rely on borrowing money or taking loans unnecessarily.

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