But what if instead of the bank men or people whom you owe money, the angel of death knocks at your door. That is you die with a burden of debt still on your head. Unless your children pay off your debt or the man whom you owe the money forgives his money, you are in serious trouble even in the hereafter.
This is the subject of the Hadith attributed to Prophet Muhammad ﷺ as mentioned in mentioned in Sunan Ibn Majah / Book 15 The Chapters on Charity / باب الصدقات) / Chapter 12: Stern Warning Concerning Debt / باب التَّشْدِيدِ فِي الدَّيْنِ / as Hadith number # 2414 under:
It was narrated from Ibn 'Umar that the Messenger of Allah (ﷺ) said:
“Whoever dies owing a Dinar or a Dirham, it will be paid back from his good deeds, because then there will be no Dinar or Dirham.”
Arabic Text:
حَدَّثَنَا مُحَمَّدُ بْنُ ثَعْلَبَةَ بْنِ سَوَاءٍ، حَدَّثَنَا عَمِّي، مُحَمَّدُ بْنُ سَوَاءٍ عَنْ حُسَيْنٍ الْمُعَلِّمِ، عَنْ مَطَرٍ الْوَرَّاقِ، عَنْ نَافِعٍ، عَنِ ابْنِ عُمَرَ، قَالَ قَالَ رَسُولُ اللَّهِ صلى الله عليه وسلم " مَنْ مَاتَ وَعَلَيْهِ دِينَارٌ أَوْ دِرْهَمٌ قُضِيَ مِنْ حَسَنَاتِهِ لَيْسَ ثَمَّ دِينَارٌ وَلاَ دِرْهَمٌ " .
Grade: Sahih (Darussalam)
This Hadith in fact is a Stern Warning Concerning Debt for all of us not to leaveeven a penny of debt ever for no one knows when the clock stops and unless one's debts are paid by one's heirs, these can put us in serious trouble in the Hereafter. The judgement will be so simple, yet very tough, to bear for even a Dinar, say even a pence, will be traded with one's good deeds and added to the account of the one whom one owed that money.
Those of us who rob the poor of their hard earned money and property, and then render them helpless and leaving no choice for them but to take a loan, will also stand in the same queue. For forcing someone to take a loan while leaving him no other option, will be equally guilty. May be his good deeds are traded for the debt of the person who could not pay.
So please make sure to live and manage one's life within the resources one has and one must never raise one's goals so high that one has to take loans which one may not be able to pay thereafter. Live a simple life within resources and avoid greed to have more by taking risks of being under debt.
May Allāh (سبحانه و تعالى) help us understand Qur'ān and follow the Sunnah of Prophet Muhammad ﷺ, which is embodiment of commandments of Allah contained in the Qur'ān. May Allah help us to be like the ones He loves and let our lives be lived helping others and not making others' lives miserable or unlivable. May all our wrong doings, whether intentional or unintentional, be forgiven before the angel of death knocks on our door.
وَمَا عَلَيۡنَاۤ اِلَّا الۡبَلٰغُ الۡمُبِيۡنُ
(36:17) and our duty is no more than to clearly convey the Message.”
That is Our duty is only to convey to you the message that Allah has entrusted us with. Then it is for you to accept it or reject it. We have not been made responsible for making you accept it forcibly, and if you do not accept it, we shall not be seized in consequence of your disbelief, you will yourselves be answerable for your actions on Day of Resurrection.
May Allah forgive me if my posts ever imply a piety far greater than I possess. I am most in need of guidance.
Reading the Qur'ān should be a daily obligation of a Muslim - Reading it with translation will make it meaningful. But reading its Exegesis / Tafsir will make you understand it fully. It will also help the Muslims to have grasp over social issues and their answers discussed in the Qur'an and other matter related to inter faith so that they are able to discuss issues with non-Muslims with authority based on refences from Qur'an.
Note: When we mention God in our posts, we mean One True God, we call Allah in Islam, with no associates. Allah is the Sole Creator of all things, and that Allah is all-powerful and all-knowing. Allah has no offspring, no race, no gender, no body, and is unaffected by the characteristics of human life.
Please refer to our reference page: Collection of Hadiths of Prophet Muhammad ﷺ about Warning and Cautions for more Hadiths on the subject
Please refer to our reference page: Sunnah and Hadith of Prophet Muhammad ﷺ to know more about Hadiths and Sunnah of Prophet of Allah. You may also refer to our Reference Pages for knowing more about Islam and Qur'ān.
Disclaimer: The material for this post has been collected from the references as given below. If anyone differs with the material contained in this post, one may consult the references and their authors. If someone has more material about the subject, he/she is most welcome to share in the comments box to make the post all encompassing.
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