Lessons from Holy Qur'an

To Coney For Securing Debt – Guidelines


To Coney For Securing Debt – Guidelines                                                                                                 

BAQARAH – 2 (The Cow)

Verse –283  of  286, Section –40    (Part – 3)


If ye be on a journey and cannot find a scribe, then a pledge in hand (shall suffice). And if one of you entrusteth to another let him who is trusted deliver up that which is entrusted to him (according to the pact between them) and let him observe his duty to Allah, his Lord. And hide not testimony. And he, who hideth it, verily his heart is sinful. And Allah is Aware of what ye do.     

Wa  ‘in-kuntum  ‘alaa  safarinw-wa  lam  taji-duu  kaatiban  fari-haanum-maq-buuzah.  Fa- ‘in  ‘a-mina  ba’-zukum  ba’-zan-  fal-yu- ‘addil-lazi’-tumina  ‘amaanatahuu  wal—yatta-qillaaha  Rabbah.  Wa  laa  taktumush-shahaadah.  Wa  many-yaktumhaa  fa- ‘innahuuu  ‘aa-simun-  qalbuh.  Wallaahu  bimaa  ta’-maluuna  ‘Aliim.  






ri-haanun (the things, which are pledged), the word rehn is also in common use in Urdu language. That is to say; to give something (like property, a house or assets etc) to the lender in connection with debt as part of the loan trust.


Particularly it should bear in mind that getting advantage from the thing, which has been pledged, is prohibited. If the creditor will acquire gain from the pawned thing, then it will be equal to the Interest, and according to the Divine Law, it is unlawful. Mortgage can be kept only as surety, not for getting advantage.


yu- ‘addu – (todeliver up), this word has been derived from ‘adaa-‘un which means ‘to reimburse’, to pay, to complete.


Last Instructions in connection with inscription and evidence have been delivered in this verse. God Almighty Commanded, “If you are in the condition of journey, you do not know how to read and write, any other scribe is also not available, then! Pledge something in this condition. He should return that thing or property committed to the trust honestly, with whom the pledged thing or trust has been deposited.


Once again it has been emphasized besides this, “Never hide the evidence, otherwise you will become sinner. Allah Almighty Knows your each act and motion”.  



Transliteration in Roman Script & English Translation of Holy Qur’an written by Marmaduke Pickthall, Published by Paak Company, 17-Urdu Bazar, Lahore and Lesson collected from Dars e Qur’an published By Idara Islah wa Tableegh, Lahore (translated by Muhammad Sharif)