Also nowadays, in the name of loans, millions are taken. This all looks easy today but it will prove very costly on the Day of Judgement. To those who usurp the loans of people! Listen carefully! A’la Hadrat رَحْمَةُ اللهِ تَعَالٰی عَلَيْه has quoted: Whoever who usurps 3 Paisas (i.e., a loan) of anyone, will have to give 700 congregational Salahs as compensation on the Day of Judgment. (Fatawa Razawiyyah, vol. 25, pp. 69) Yes it is true! Whoever usurps anyone’s loan, is cruel and an oppressor, and he is actually in a great loss.

It is understood that one who dishonestly takes another’s money is cruel and he is actually causing great harm to himself. In his Hadees collection, ‘Tabarani,’ Sayyiduna Sulayman Tabarani قُـدِّسَ سِـرُّہُ الـنُّـوۡرَانِی has reported: The meaning of the statement of the Noblest Prophet صَلَّى اللهُ تَعَالٰى عَلَيْهِ وَاٰلِهٖ وَسَلَّم is: Good deeds of the oppressor will be given to the oppressed, and the sins of the oppressed will be given to the oppressor.

(Al-Mu’jam-ul-Kabeer, vol. 4, pp. 148, Hadees 3969)

گُناہوں کے کھلے دفتر کھڑا ہوں آہ! مِیزاں پر

نہیں ہیں نیکیاں اب کیا کروں گا یا رَسُوْلَ اللہ

کرم فرما کہ ہو عطارؔ بھی اِس قول کا مِصداق

’’تِری خاطر جِیوں گا اور مَروں گا‘‘ یا رَسُوْلَ اللہ

Sayyiduna Imam Muhammad Bin Muhammad Ghazali عَـلَـیۡـهِ رَحْـمَـةُ الـلّٰـهِ الۡـوَالِی has narrated in Kimiya-e-Sa’adat: For one who takes a debt and honestly intends to pay it back, Allah عَزَّوَجَلَّ appoints some angels to protect him and they make Du’a for his debt to be paid back. (See: Ithaf-us-Sadah liz-Zabeedi, vol. 6, pp. 409)

Anyone who takes a loan and despite being able to pay it back, he delays the payment without the creditor’s consent, then, delaying it even for a moment is a sin and the borrower will be considered cruel and oppressive. Whether he is observing a fast or sleeping, sins will continue to be recorded in his account (i.e. his sins will continue to increase), and he would be continuously under the curse of Allah عَزَّوَجَلَّ. This is such a sin which remains afflicting a person even when he is asleep. If he can pay off the debt by selling his