Three situations of a debtor
Question
Question: Zayd mentioned three persons who die in debt and said that their debt is the responsibility of Allah: (1) A person borrowed from someone for the shroud of someone, intending to repay, but could not repay because of poverty or because he happened to die. (2) A person wishes to marry; if he does not marry, there is fear that he will fall into zina (fornication). Since he is in straitened circumstances, he borrowed and could not repay. (3)
Answer
Zayd has made this matter very narrow. In “Fatawa ‘Alamgiri” there is no such restriction; rather, it is stated there without qualification that whoever, compelled by some need or hardship, borrows with the intention of repaying, and then, despite his efforts, does not have the ability and means to repay and dies in that state — it is hoped that Allah Most High will not hold…
Source: Fatawa Mahmudiyya
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