· I will thank him after paying off my debt and make Du’ā for blessings in his family and wealth[1].
You can make the following intentions when lending money to a needy person:
·
I will earn
rewards by fulfilling a need of a fellow Muslim.
· I will please his heart so as to receive the pleasure of Allah عَزَّوَجَلَّ.
· If the time for paying off the debt has approached and he is unable to pay off his debt, then I will earn reward by giving him a respite.[2]
صَلُّوۡا عَلَى الۡحَبِيۡب صَلَّى اللّٰهُ تَعَالٰى عَلٰى مُحَمَّد
[1] Nasāī reported from Sayyidunā ‘Abdullāĥ Bin Abī Rabī’aĥ رَضِىَ اللهُ تَعَالٰی عَـنْهُ: The Holy Prophet صَلَّى اللهُ تَعَالٰى عَلَيْهِ وَاٰلِهٖ وَسَلَّم borrowed some money from me, when the Beloved Prophet صَلَّى اللهُ تَعَالٰى عَلَيْهِ وَاٰلِهٖ وَسَلَّم got money, he صَلَّى اللهُ تَعَالٰى عَلَيْهِ وَاٰلِهٖ وَسَلَّم paid off my debt and made this Du’ā: May Allah (عَزَّوَجَلَّ) bless your family and wealth, and said, ‘The recompense for debt is to thank [the lender] and to pay off [the debt].’ (Sunan Nasāī, pp. 753, Ḥadīš 4692; Baĥār-e-Sharī’at, vol. 2, pp. 754)
[2] A person, in the past, used to lend people money and instruct his slave, ‘When you go to a poor debtor, forgive him with the hope that Allah عَزَّوَجَلَّ will forgive us’, when he died Allah عَزَّوَجَلَّ forgave him.
(Ṣaḥīḥ Bukhārī, vol. 2, pp. 470, Ḥadīš 3480; Baĥār-e-Sharī’at, vol. 2, pp. 762)