FatwaFederal TerritoriesTransactions & Finance
BAYAN LINNAS SIRI KE-314: JANGAN BIAR HUTANG JADI BEBAN AKHIRAT
What is the ruling on failing to repay debts or loans such as PTPTN and MARA, and what is the consequence in the afterlife?
Short answer
Repaying debt is a strongly emphasised obligation in Islam, and delaying payment by someone who is able to pay is regarded as an injustice.
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
- Bayan Linnas
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Repaying debt is a strongly emphasised obligation in Islam, and delaying payment by someone who is able to pay is regarded as an injustice. An unsettled debt can become a burden in the hereafter, and a person's intention when borrowing affects whether Allah grants help or ruin. Borrowers who are truly unable to pay because of lack of income, health problems and the like should not be pressured but given time or leeway, including through restructured monthly repayments offered by lending institutions.
Written in our own words from the original fatwa — check the source before acting on it.
Hadis ini menunjukkan bahawa sikap melambat-lambatkan pembayaran hutang tergolong dalam perbuatan zalim.
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. “BAYAN LINNAS SIRI KE-314: JANGAN BIAR HUTANG JADI BEBAN AKHIRAT”, 8 July 2025. https://muftiwp.gov.my/ms/artikel/bayan-linnas/6308-bayan-linnas-siri-ke-314-jangan-biar-hutang-jadi-beban-akhirat. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-on-not-repaying-debts-ptptn-mara/