Al Sufian

1	O People! There is no other deity but Allah!
2	The Compassionate, the Beneficent, the Gracious;
3	All prayers and homage be to Allah and no other!
4	A true Muslim honors his word.
5	Thus all obligations made freely and fair by word and oath must be honored.
6	So it is the merchant and moneylender declare all debts must be paid.
7	Indeed, all debts through agreement are first with Allah and secondly with the merchant.
8	Thus to break such an agreement willingly is to breach the oath and promise with Allah.
9	Yet the merchants and money lenders are artful with trickery
10	They load an obligation with interest, which is forbidden under the law of Islam,
11	They add penalties and burdens to an obligation for the most trifling of reasons,
12	The misrepresent the size of the burden
13	And seek at costs to extract the bond of one’s word and oath,
14	As if a promise or oath given under bad faith still holds true.
15	Verily, when one is deceived in promise,
16	When one is forced to take a burden greater than they can carry,
17	When merchants change the terms, or add burdens or interest,
18	Then such debts are obligated to be broken.
19	Even when a debt is taken, the money lenders and merchants have many devious ways to extract benefit.
20	They often forbid such debts to be traded against obligations owed.
21	Instead, they demand one must pay, even when withholding what is owed to settle.
22	Verily, a man must be afforded the opportunity of settling his debts,
23	And receiving settlement of the debts owed to him,
24	At least four times a year,
25	So that no man of a community who works and earns his way is required to hold a full debt for a year or more.
26	Merchants and money lenders who refuse to balance the debts of a community in this way,
27	Default their right to all debts owed to them.
28	Truly, it is better to forgive debt and retain honor than to demand the torture or death of a poor man who cannot pay his debts.
29	Whoso desires that Allah should redeem him from the sorrows and travail of the last day,
30	Must delay in calling on poor debtors, or abusing the position of those of poor means.
31	A man of honor before Allah will forgive the debt in part or whole before the end of year if such debt has been itself honored.
32	Whoso has a thing wherewith to discharge a debt, and refuses to do it,
33	It is right they be dishonored of actions not worthy of any true Muslim.

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Sufa 130 - The Debt (Al-Dayn)