1088:) is the one which is without a collateral. However some Ulama deem it a form of interest-free loan (fungible, marketable wealth) that is extended by a lender to a borrower on the basis of benevolence (ihsan). Al-qardh, from a shari’a point of view, is a non commutative contract, as it involves a facility granted only for the sake of tabarru’ (donation). Therefore, al-qardh al-hasan is a gratuitous loan extended to people in need, for a specified period of time. At the end of that period, the face value of the loan (asl al-qardh) is to be paid off. In other words, shari’a prohibits the stipulation of an excess for the lender, as it amounts to riba, whether the excess is expressed in terms of quality or quantity, or whether it is a tangible item or a benefit. However, it is permitted that the repayment of qardh (loan extinguishing) is made with an excess (tangible item, benefit, service, etc.), provided that such an excess is neither expressly stipulated nor implicitly pre-arranged (through collusion or tawatu’) in the contract of loan.
1270:
43:
1253:
Qardh al-hasan supports the main principle of brotherhood. Also there are benefits such as the aid of the poor, establishing a strengthened relationship between poor and rich, the just distribution of national income between all citizens, removing caste differences and unemployment, and being an act
1200:
states that such a loan is beautiful and admirable because the borrower of such a loan is God; not the person receiving the money. According to the verses of Quran, God admires people who pay their wealth for servants of God by using this statement "loan to God", while this wealth is provided for
1237:
Qardh al-hasan contracts between
Islamic banks and borrowers state that the borrower only has to pay back the amount borrowed, although the borrower can pay back extra money as thanks. Loans such as this are used as an attempt to alleviate poverty and create economic growth. Also the Quran has
1212:
in general as business transactions in this world", but instead involves "the symbolic transaction between Allah and the believers". In these sorts of transactions believers can only give Allah loans, not gifts, because "Whatever we offer to Allah is ... treated as loan", since it is always
1213:
returned, "doubled or even more". In contradiction to orthodox religious legal teachings that the
Quranic verses prohibit Muslims from charging interest on business loans, Farooq notes that the verses "specify no detail whatsoever in regard to conditions or limitations, including whether
1585:
Maududi. op. cit., Vol. I, no. 267, 187; Abdullah Yusuf Ali, op cit., no. 275, 97; Muhammad Asad, op. cit. 54, no. 234; Irfan Ahmad Khan, Reflections on the Qur’an, Vol. I (Leicester: Islamic
Foundation, 2005),
1640:
1967:
1104:), translated as loan in English, means "to cut", because historically the lender cut off part of his or her property to give to the borrower as a loan. The word
973:
1633:
864:
1151:
If you loan to Allah, a beautiful loan , He will double it to your (credit), and He will grant you
Forgiveness ..(Qur’an 64(al-Tagabun):16–17.)
1607:
1626:
1931:
1570:
1543:
1516:
1381:
272:
1972:
837:
422:
1888:
1060:
994:
519:
20:
1348:
1750:
1917:
1852:
726:
681:
308:
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1775:
1770:
1725:
1705:
1695:
1680:
1675:
1670:
1665:
1657:
1649:
1399:
Qardh al-Hasana, Wadiah/Amanah and Bank
Deposits: Applications and Misapplications of Some Concepts in Islamic Banking
794:
1448:
Qard al-Hasana, Wadiah/Amanah and Bank
Deposits: Applications and Misapplications of Some Concepts in Islamic Banking
1425:
Qard al-Hasana, Wadiah/Amanah and Bank
Deposits: Applications and Misapplications of Some Concepts in Islamic Banking
237:
1327:"A case study on the implementation of Qardhul hasan concept as a financing product in Islamic banks in Malaysia"
1025:
327:
1962:
1957:
1136:
in six verses: Q2:245, Q5:12, Q57:11, Q57:18, Q64:17, Q73:20. In every verse it is used as part of the phrase
869:
703:
1715:
451:
1196:
The concept of Qardh al-hasan is to assist the poor or needy by offering a loan without any interest. The
875:
852:
500:
427:
1326:
1893:
1857:
964:
959:
942:
537:
486:
1225:
n, as a contract with God, consistently specifies an excess," (as the Quran talks of doubling the
1755:
1053:
698:
479:
440:
244:
1847:
1831:
1603:
1566:
1539:
1533:
1512:
1506:
1478:
1455:
1451:
1432:
1428:
1406:
1402:
1377:
1371:
717:
458:
379:
317:
215:
194:
1597:
1560:
1208:(by M.O Farooq) is that the context of the verses does not "seem to have anything to do with
1872:
1177:
1169:
384:
258:
1491:
1113:
1097:
1077:
1036:
586:
344:
365:
1952:
358:
189:
1373:
Islamic Banks and
Financial Institutions: A Study of their Objectives and Achievements
1946:
1283:
1046:
108:
1862:
1275:
1255:
1180:, Nasa'i, Ibn Majah, Tirmidhi, Muwatta, Musnad Ahmad, or Darimi contain the phrase
1173:
675:
666:
643:
595:
472:
351:
293:
1356:
1867:
784:
143:
1910:
1821:
1618:
1265:
413:
1599:
The role of
Islamic microfinance in poverty alleviation and environmental ...
1730:
1685:
1015:
252:
1133:
279:
1325:
Zainal Abidin, Ahmad; Alwi, Norhayati Mohd; Ariffin, Noraini Mohd (2011).
1720:
1710:
1298:
953:
910:
812:
124:
1826:
1765:
1302:
1239:
931:
819:
767:
564:
265:
117:
62:
1811:
1700:
1690:
1204:
A different and non-orthodox interpretation of the Quran's verses on
1160:
917:
692:
685:
542:
465:
286:
97:
52:
1397:
Farooq, Mohammad Omar (19 January 2012). "6. Qardh in the Qur'an".
1806:
1790:
1760:
1740:
1293:
1243:
1197:
1141:
1009:
1002:
924:
903:
896:
882:
826:
760:
753:
746:
734:
632:
621:
575:
531:
406:
397:
390:
210:
203:
184:
163:
90:
83:
71:
42:
1423:
Farooq, Mohammad Omar (19 January 2012). "6. Qard in the Quran".
1250:, that is a necessary concept to provide the welfare of society.
1816:
1785:
1745:
1288:
1247:
889:
805:
773:
604:
553:
493:
333:
172:
154:
136:
28:
1934:(OIC) are nations which officially recognize Islam politically.
1622:
1446:
Farooq, Mohammad Omar (19 January 2012). "5. Qard in ahadith".
1331:
International
Journal of Economics, Management, and Accounting
1418:
1416:
1508:
Introduction to Islamic Economics: Theory and Application
1505:
Askari, Hossein; Iqbal, Zamir; Mirakhor, Abbas (2015).
1902:
1881:
1840:
1799:
1656:
1120:), which is translated as splendid or beautiful.
1238:introduced it as an outstanding element such as
1164:. In contrast to use in the Quran, none of the
1634:
1054:
8:
1641:
1627:
1619:
1353:Institute of Islamic Banking and Insurance
1061:
1047:
857:
722:
524:
436:
313:
57:
15:
1221:must be without excess. On the contrary,
1968:Islamic banking and finance terminology
1538:. The Islamic Foundation. p. 108.
1314:
1140:, and always in reference to a loan to
941:
836:
793:
732:
439:
316:
170:
161:
152:
69:
60:
27:
1487:
1476:
1320:
1318:
7:
1535:Qur'anic Keywords: A Reference Guide
1932:Organisation of Islamic Cooperation
1117:
1101:
1081:
1565:. Islamic Book Trust. p. 77.
14:
1349:"Glossary of Financial Term - Q"
1268:
1144:rather than other human beings.
41:
1532:Siddiqui, Abdur Rashid (2010).
1471:in: Encyclopaedia of the Qurʾān
570:(unlawful warfare and banditry)
1469:Saeed, Abdullah. "Economics".
1233:In Islamic banking and finance
1:
1602:universitatsverlag Gottinge.
1918:The Economic System In Islam
1853:Mohammad Najatuallah Siddiqi
1650:Islamic banking and finance
1559:Al-Qaradawi, Yusuf (2013).
1989:
1370:Lone, Fayaz Ahmad (2014).
1927:
1158:also appears in numerous
1973:Arabic words and phrases
1596:Effendi, Jaenal (2013).
1473:. Georgetown University.
591:("spreading corruption")
1889:Banks in the Arab world
1188:without any qualifier.
1930:The bloc known as the
1511:. Wiley. p. 314.
1376:. Palgrave Macmillan.
1168:in the collections of
1153:
1894:Participation banking
1254:with great reward at
1149:
29:Islamic jurisprudence
1858:Muhammad Taqi Usmani
1756:Sharia investments
1751:Securities trading
1676:Bai' Bithaman Ajil
1086:benevolent lending
682:Gender segregation
245:Islamic leadership
1940:
1939:
1848:Abdul Azim Islahi
1832:Modern gold dinar
1609:978-3-86395-137-5
1486:Missing or empty
1071:
1070:
985:
984:
843:
842:
657:
656:
510:
509:
435:
434:
228:
227:
1980:
1935:
1873:Waleed El-Ansary
1643:
1636:
1629:
1620:
1614:
1613:
1593:
1587:
1583:
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1443:
1437:
1436:
1420:
1411:
1410:
1394:
1388:
1387:
1367:
1361:
1360:
1355:. Archived from
1345:
1339:
1338:
1322:
1278:
1273:
1272:
1271:
1256:resurrection day
1124:Scriptural basis
1119:
1108:is derived from
1103:
1083:
1063:
1056:
1049:
1026:Prisoners of war
1021:
979:
974:Comparison with
858:
723:
650:
639:
628:
611:
601:
592:
582:
571:
560:
549:
525:
437:
314:
273:Wilayat al-faqih
259:Majlis-ash-Shura
58:
45:
16:
1988:
1987:
1983:
1982:
1981:
1979:
1978:
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1963:Islamic worship
1958:Islamic banking
1943:
1942:
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1936:
1929:
1923:
1898:
1877:
1836:
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1346:
1342:
1324:
1323:
1316:
1312:
1274:
1269:
1267:
1264:
1235:
1201:people by God.
1194:
1182:qardh al-hasan.
1147:One example is
1132:appears in the
1126:
1094:
1067:
1037:Islamic studies
1031:
1030:
1019:
997:
987:
986:
972:
969:
937:
855:
845:
844:
832:
780:
720:
710:
709:
708:
669:
659:
658:
648:
637:
627:(discretionary)
626:
609:
599:
590:
587:Mofsed-e-filarz
580:
569:
558:
547:
522:
512:
511:
506:
419:
371:
339:
311:
301:
300:
299:
240:
230:
229:
224:
132:
131:
103:
55:
30:
12:
11:
5:
1986:
1984:
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1623:
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1608:
1588:
1578:
1572:978-9675062766
1571:
1551:
1545:978-0860374466
1544:
1524:
1518:978-1118732960
1517:
1497:
1461:
1438:
1412:
1389:
1383:978-1349564149
1382:
1362:
1359:on 2018-09-11.
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1234:
1231:
1219:qardh al-hasan
1206:qardh al-hasan
1193:
1190:
1138:qardh al-hasan
1125:
1122:
1093:
1090:
1074:Qardh al-hasan
1069:
1068:
1066:
1065:
1058:
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701:
696:
689:
679:
671:
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664:
661:
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655:
654:
653:
652:
649:(compensation)
641:
630:
616:
615:
614:
613:
602:
593:
584:
573:
562:
551:
540:
535:
523:
518:
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133:
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121:
112:
106:
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101:
94:
87:
79:
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75:
67:
66:
56:
51:
50:
47:
46:
38:
37:
25:
24:
13:
10:
9:
6:
4:
3:
2:
1985:
1974:
1971:
1969:
1966:
1964:
1961:
1959:
1956:
1954:
1951:
1950:
1948:
1933:
1926:
1920:
1919:
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1764:
1762:
1759:
1757:
1754:
1752:
1749:
1747:
1744:
1742:
1739:
1737:
1736:Qard al-Hasan
1734:
1732:
1729:
1727:
1724:
1722:
1719:
1717:
1714:
1712:
1709:
1707:
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1699:
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1694:
1692:
1689:
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1682:
1679:
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1672:
1671:Bai' al 'Inah
1669:
1667:
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1659:
1655:
1651:
1644:
1639:
1637:
1632:
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1611:
1605:
1601:
1600:
1592:
1589:
1582:
1579:
1574:
1568:
1564:
1563:
1562:Fiqh Al Zakah
1555:
1552:
1547:
1541:
1537:
1536:
1528:
1525:
1520:
1514:
1510:
1509:
1501:
1498:
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1472:
1465:
1462:
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1449:
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1426:
1419:
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1400:
1393:
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1366:
1363:
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1328:
1321:
1319:
1315:
1309:
1304:
1300:
1297:
1295:
1292:
1290:
1287:
1285:
1284:Verse of Loan
1282:
1281:
1277:
1266:
1261:
1259:
1257:
1251:
1249:
1245:
1241:
1232:
1230:
1228:
1224:
1223:qardh al-hasa
1220:
1216:
1211:
1207:
1202:
1199:
1191:
1189:
1187:
1183:
1179:
1175:
1171:
1167:
1163:
1162:
1157:
1152:
1148:
1145:
1143:
1139:
1135:
1131:
1123:
1121:
1115:
1111:
1107:
1099:
1091:
1089:
1087:
1079:
1075:
1064:
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1057:
1052:
1050:
1045:
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1038:
1035:
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1022:
1018:
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1012:
1011:
1007:
1005:
1004:
1000:
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978:
977:
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860:
859:
854:
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839:
835:
829:
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824:
822:
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799:
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787:
786:
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781:
776:
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769:
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763:
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758:
756:
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749:
748:
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736:
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724:
719:
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705:
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690:
687:
683:
680:
678:
677:
673:
672:
668:
663:
662:
651:
646:
642:
640:
638:(retaliation)
635:
631:
629:
624:
620:
619:
618:
617:
612:
607:
603:
597:
594:
588:
585:
583:
578:
574:
572:
567:
563:
561:
559:(illicit sex)
556:
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545:
541:
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534:
533:
529:
528:
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526:
521:
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1911:Iqtisaduna
1822:Gold dinar
1488:|url=
1337:(3). 2011.
1310:References
1084:, transl.
699:Honorifics
548:(gambling)
1731:Musharaka
1726:Musawamah
1686:Bai Salam
1178:Abu Dawud
1128:The word
1092:Etymology
1082:قرض الحسن
1017:Istijarah
667:Etiquette
610:(stoning)
538:Blasphemy
253:Caliphate
238:Political
1841:Scholars
1800:Currency
1771:Tawarruq
1721:Murabaha
1716:Mudaraba
1711:Muamalat
1658:Concepts
1479:cite web
1299:Tzedakah
1262:See also
1184:All use
1020:(asylum)
995:Military
954:Dhabihah
911:Tayammum
813:Murabaha
718:Economic
520:Criminal
459:Abortion
423:Adoption
380:Polygyny
328:Contract
318:Marriage
190:clothing
125:Tahajjud
21:a series
19:Part of
1827:Mithqal
1781:Wakalah
1766:Takaful
1706:Istisna
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1433:1418202
1407:1418202
1303:Judaism
1240:sadaqah
1192:Concept
1170:Bukhari
1096:Qardh (
976:kashrut
960:Alcohol
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932:Istinja
876:Taharah
853:Hygiene
820:Takaful
795:Banking
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768:Sadaqah
727:History
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480:Hygiene
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385:Divorce
266:Imamate
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196:Mut'ah
98:Turbah
53:Ritual
1953:Loans
1903:Works
1882:Other
1807:Dinar
1791:Zakat
1761:Sukuk
1741:Qirad
1696:Hibah
1294:Khums
1244:zakat
1215:qardh
1210:qardh
1198:Quran
1186:qardh
1156:Qardh
1142:Allah
1130:qardh
1118:احسان
1110:Ihsan
1106:hasan
1010:Hudna
1003:Jihad
925:Najis
904:Ghusl
897:Masah
883:Ihram
827:Sukuk
761:Khums
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532:Hudud
452:Awrah
407:Iddah
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391:Khula
211:Umrah
204:Tawaf
185:Ihram
164:Zakat
91:Qibla
72:Salah
1817:Fals
1786:Waqf
1746:Riba
1666:Aqad
1604:ISBN
1586:614.
1567:ISBN
1540:ISBN
1513:ISBN
1492:help
1452:SSRN
1429:SSRN
1403:SSRN
1378:ISBN
1289:Alms
1248:waqf
1246:and
965:Pork
890:Wudu
806:Riba
774:Waqf
676:Adab
645:Diya
606:Rajm
555:Zina
494:Zina
487:Rape
473:Haya
359:Urfi
334:Mahr
294:Aman
218:Hajj
216:and
173:Hajj
155:Sawm
137:Witr
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1217:or
1102:قرض
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