14/39. Chapter:
Jami at-Tirmidhi 1265 — Debt Responsibility
What Has Been Related About 'The Borrowed Is To Be Returned'
Debt Hadith: Borrowed Items and Guarantees
Jami at-Tirmidhi : 1265
Jami at-TirmidhiHadith Number 1265
حَدَّثَنَا هَنَّادٌ، وَعَلِيُّ بْنُ حُجْرٍ، قَالاَ حَدَّثَنَا إِسْمَاعِيلُ بْنُ عَيَّاشٍ، عَنْ شُرَحْبِيلَ بْنِ مُسْلِمٍ الْخَوْلاَنِيِّ، عَنْ أَبِي أُمَامَةَ، قَالَ سَمِعْتُ النَّبِيَّ صلى الله عليه وسلم يَقُولُ فِي خُطْبَتِهِ عَامَ حَجَّةِ الْوَدَاعِ " الْعَارِيَةُ مُؤَدَّاةٌ وَالزَّعِيمُ غَارِمٌ وَالدَّيْنُ مَقْضِيٌّ " . قَالَ أَبُو عِيسَى وَفِي الْبَابِ عَنْ سَمُرَةَ وَصَفْوَانَ بْنِ أُمَيَّةَ وَأَنَسٍ . قَالَ وَحَدِيثُ أَبِي أُمَامَةَ حَدِيثٌ حَسَنٌ . وَقَدْ رُوِيَ عَنْ أَبِي أُمَامَةَ عَنِ النَّبِيِّ صلى الله عليه وسلم أَيْضًا مِنْ غَيْرِ هَذَا الْوَجْهِ .
Abu Umamah Narrated from:
During The Year Of The Farewell Pilgrimage, I Heard The Prophet (ﷺ) Saying During The Khutbah: "The Borrowed Is To Be Returned, And The Guarantor Is Responsible, And The Debt Is To Be Repaid." [Abu 'Eisa Said:] There Are Narrations On This Topic From Samurah, Safwan Bin Umayyah, And Anas. [He Said:] The Hadith Of Abu Umamah Is A Hasan Gharib Hadith. It Has Also Been Reported Through Other Routes Besides This, From Abu Umamah, From The Prophet (ﷺ).
Reference : Jami` at-Tirmidhi 1265In-book reference : Book 14, Hadith 67English translation : Vol. 1, Book 12, Hadith 1265
Summary of Jami at-Tirmidhi Hadith 1265
This debt hadith gathers three simple financial duties in one line from the Farewell Pilgrimage khutbah: the borrowed is to be returned, the guarantor is responsible, and the debt is to be repaid. It is easy to understand because it deals with common situations. If something is borrowed, it is not treated as a gift. If someone guarantees another person, that guarantee carries weight. If a debt exists, it is not ignored. The hadith speaks in plain terms about Islamic finance ethics, loan repayment, and guarantor responsibility. It does not add extra conditions in the wording here, so the explanation should stay focused on the three duties named in the text.
What we learn from this hadith
- Borrowed items should be returned to their owners.
- A guarantor accepts responsibility, not just words.
- Debt is something to be repaid, not forgotten.
- Financial promises should be taken seriously.
