What is the ruling on a loan that requires interest?
2026-09-21
F92 · Selected fatwas
Shaykh Ibn Bāz
الشيخ عبد العزيز بن باز
Original Q&A · Complete published question and answer
The complete published question and answer are included, with presenter follow-ups and closing remarks where present. The browsing title is editorial.
النص العربي
السؤال الأصلي
سؤاله الآخر يقول: هناك إنسان يقرض الناس بفائدة، فمثلًا: يعطي رجلًا مائة دينار لمدة ستة أشهر، فيأخذ على هذا المبلغ عشرين دينارًا مثلًا زيادة، فما حكم الإسلام في هذا؟
الجواب
هذه المعاملة ربوية من أعمال الربا، حكمها أنها معاملة باطلة ربوية، الله -جل وعلا- حرم الربا ورسوله ﷺ لعن آكل الربا وموكله وكاتبه وشاهديه وقال: هم سواء والله يقول سبحانه: يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَذَرُوا مَا بَقِيَ مِنَ الرِّبَا[البقرة:278] فالمعنى: أن الربا يجب أن يترك، ثم بيَّن سبحانه وتعالى أنه حرب لله وحرب للرسول -عليه الصلاة والسلام-.
فعلى المؤمن أن يحذر أنواع الربا كلها؛ ولهذا قال: فَإِنْ لَمْ تَفْعَلُوا فَأْذَنُوا بِحَرْبٍ مِنَ اللَّهِ وَرَسُولِهِ[البقرة:279] يعني: فاعلموا بحرب من الله والرسول، وأنكم محاربون لله ورسوله في تعاطي الربا، فالفوائد في القروض ربا، فإذا أقرضه عشرة دنانير حتى يعطيه بعد ذلك اثني عشر أو ثلاثة عشر هذا من الربا، نعم.
English translation
English translation prepared for SalafAlSalih.com from the cited Arabic source. It is not an official translation.
Original question
His other question is: Someone lends money to people at interest. For example, he gives a man one hundred dinars for six months and takes an additional twenty dinars on that amount. What is Islam's ruling on this?
Answer
This transaction is ribā, one of the practices of ribā. Its ruling is that it is an invalid, usurious transaction. Allah, majestic and exalted, prohibited ribā, and His Messenger ﷺ cursed the one who consumes it, the one who pays it, its recorder and its two witnesses, saying, “They are alike.” Allah, glorified is He, says: “O you who believe, fear Allah and give up what remains of ribā” [al-Baqarah 2:278]. The meaning is that ribā must be abandoned. He, glorified and exalted is He, then explained that it is war against Allah and His Messenger, peace and blessings be upon him.
The believer must beware of all kinds of ribā. Thus He says: “If you do not, then be informed of war from Allah and His Messenger” [al-Baqarah 2:279]. That is, know of war from Allah and His Messenger, and that through engaging in ribā you are at war with Allah and His Messenger. Interest on loans is ribā. If he lends someone ten dinars on the condition that he later returns twelve or thirteen, this is ribā. Yes.
Source and editorial notes
Official Ibn Bāz website fatwa 13811
الموقع الرسمي للشيخ عبد العزيز بن باز
Official website of Shaykh ʿAbd al-ʿAzīz ibn Bāz
Arabic checked against the complete official published transcript. Text is preserved; spacing is normalized and legacy honorific glyphs are expanded. The English translates every displayed paragraph; Quran quotations are translations of their meanings.