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Unable to locate creditor for paying a debt

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Nasihah (Advice): Repayment of debts


Rasulullah Sallallahu Alayhi Wa Sallam said: “Whoever borrows money of the people with the intention of repaying it, Allah will facilitate its repayment on his behalf, and whoever borrows it without the intention of repaying it, then Allah will destroy him.”(Bukhari)




Question and Answer:


  1. Mufti Saheb, I took a loan from someone a few years ago. Unfortunately, I cannot locate him now to pay him back the loan. What do I do? Please advise?


(Question published as received)



  1. As a debtor, you should exercise all possible avenues in getting in touch with your creditor.


However, if it is not possible to locate the creditor, you may give the money to the poor and needy as Sadaqah (charity) with the intention that the creditor receives the reward thereof. (Shaami)


If however the creditor claims the debt from you after you had given it in charity, the creditor will have a valid claim against you.



And Allah Ta’ala Knows Best


Mufti Ismaeel Bassa



Mufti Ebrahim Desai



Fatwa Department
Jamiatul Ulama (KZN) 

Council of Muslim Theologians
223 Alpine Road, Overport, Durban
Tel : +27 (0) 31 2077099
Fax : +27(0) 31 2074163
Website : www.jamiat.org.za


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