733 – Abu Hurayrah (may Allah be pleased with him) reported that the Prophet ﷺ said: “Whoever takes people’s wealth intending to repay it, Allah will settle it on his behalf; and whoever takes it intending to squander it, Allah will bring about his ruin.” Related by al-Bukhari (1).

Lexical notes
• “to repay it” (adāʾahā): Whoever acquires other people’s property by any form of transaction while truly intending to return that property to its owners, Allah will enable him to discharge it out of His bounty because of his sound intention.
• “to squander it” (itlāfahā): Talf means destruction or ruin. Thus, whoever takes the property while intending to ruin the owner by not paying it back, Allah, exalted is He, will ruin him by removing what he possesses so that he derives no benefit from it, owing to his evil intention.

Lessons drawn from the ḥadith
1 – As mentioned earlier, a loan is an act of kindness and facilitation, not a quid-pro-quo exchange; hence the Prophet ﷺ called it a “grant” (manīḥah). The borrower benefits from it and then returns the very same item if possible; if not, he returns its equivalent. It is therefore a form of benevolence.
2 – The ḥadith indicates that anyone who takes people’s wealth—whether as a loan, a partnership share, rental funds, a borrowed article, or by any other lawful means—while sincerely intending to repay it to them, Allah will settle it for him both in this world and the next. In this life, Allah facilitates his affairs and blesses his work so that he can repay it; and in the Hereafter, if he dies before settling the debt, Allah will satisfy the creditor in whatever manner He wills.

Ibn Mājah, Ibn Ḥibbān, and al-Ḥākim relate that the Prophet ﷺ said: “No Muslim…"