FatwaFederal TerritoriesTransactions & Finance
AL-KAFI #1085: TERIMA HUTANG LEBIH DARIPADA YANG DIPINJAMKAN
Is it permissible to accept a debt repayment that exceeds the amount lent, such as lending RM3000 and being repaid RM3300?
Short answer
A debtor who repays more than the amount borrowed is performing a sunnah act that the Prophet SAW himself demonstrated, so the lender may accept the extra amount.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
A debtor who repays more than the amount borrowed is performing a sunnah act that the Prophet SAW himself demonstrated, so the lender may accept the extra amount. The excess is regarded as a gift to the lender and does not fall under riba al-fadl. The debtor decides the extra amount according to his means, and giving it is not obligatory.
Written in our own words from the original fatwa — check the source before acting on it.
Justeru, sekiranya penghutang membayar hutang melebihi nilai yang dipinjam, maka perkara tersebut dibolehkan dan dikira sebagai hadiah kepada pemiutang dan bukanlah termasuk dalam riba al-fadl.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “AL-KAFI #1085: TERIMA HUTANG LEBIH DARIPADA YANG DIPINJAMKAN”, 6 February 2019. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/3087-al-kafi-1085-terima-hutang-lebih-daripada-yang-dipinjamkan. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/accepting-debt-repayment-above-amount-lent/