20/09/2026
Assalamualaikum Wahratullahi Wabaratuh
Because of having debts, it is difficult to forgive sins.
From Abu Qatadah Al Harith bin Rib'i that the Messenger of Allah, may God bless him and grant him peace, stood and preached in front of a large audience.
Then he mentioned to them that jihad fii sabilillah (jihad in the path of Allah ) and believing in Allah is the best practice. Then there was a man who stood up and said,
"O Messenger of Allah, what do you think if I am killed in jihad, will all my sins be erased?"
He answered
نَعَمْ إِنْ قُتِلْتَ فِى سَبِيلِ اللَّهِ وَأَنْتَ صَابِرٌ
"True, if you spread fii sabilillah in a state of patience, hoping for Allah ‘s reward, moving forward, and not running backwards." Then Rasulullah Sallallahu 'alaihi wa sallam said, "What did you say earlier?" The person said again, "What do you think Sir if I am killed in jihad, will all my sins be erased?" He, may Allah bless him and grant reward and unless you have a debt .
"True, if you spread fii sabilillah in a state of patience, hoping for Allah reward, moving forward, and not running back to the rear, unless you have a debt. Verily Gabriel just told me that." (HR. Muslim no. 1885).
The hadith above shows the importance of jihad and the benefits of believing in Allah .
Both are cited as best practices. For jihad there needs to be patience, the intention is to hope for a reward from Allah , not to hope for the world, and not to make promises on the battlefield.
It is also mentioned that forgiveness of sins can be obtained from jihad, but with the record that the person who helps must be freed from debt.
As for the reprehensible in the hadith, it is the person who saves and is unable to repay his debt but refuses to repay because he is worried that his wealth will be reduced or lost. It's different if you can't afford or have an excuse to pay.
See Nuzhatul Muttaqin, p. 122.
Shaykh Muhammad bin Salih Al 'Utsaimin, may Allah have mercy on him, said, "If a person is on the path of Allah with patience, hoping for a reward from Allah , and not being a hypocrite on the battlefield, then his sins will be forgiven unless he has a debt.
This debt is not discharged just because that person died a martyr. Because debt is the right of fellow human beings. Human rights must be fulfilled.
This is the proof of its harmfulness. It is inappropriate for a Muslim to underestimate the problem of debt. But in this day and age, debt is made easy. There are people who deliberately invest (with credit) even though they don't actually need the goods they buy, they only buy goods (showing off as if they can afford it). He buys the goods on credit or something like that. In fact, the items he bought were not really needed.
There are also poor people who buy a car for 240 million rupiah when in fact it is enough to rent it for 300,000 rupiah. But that's because they don't care about religion and lack confidence.
We advise that one should not take credit. If it is really needed, then take it at the lowest price that suits the money's ability.
We pray, may Allah give us piety, keep away from Allah ‘s wrath and suffice us with the sustenance that Allah gives.
Hopefully Useful