ONE AYAT A DAY
۞ وَاِنْ كُنْتُمْ عَلٰى سَفَرٍ وَّلَمْ تَجِدُوْا كَاتِبًا فَرِهٰنٌ مَّقْبُوْضَةٌ ۗفَاِنْ اَمِنَ بَعْضُكُمْ بَعْضًا فَلْيُؤَدِّ الَّذِى اؤْتُمِنَ اَمَانَتَهٗ وَلْيَتَّقِ اللّٰهَ رَبَّهٗ ۗ وَلَا تَكْتُمُوا الشَّهَادَةَۗ وَمَنْ يَّكْتُمْهَا فَاِنَّهٗٓ اٰثِمٌ قَلْبُهٗ ۗ وَاللّٰهُ بِمَا تَعْمَلُوْنَ عَلِيْمٌ ࣖ
Wa in kuntum ‘alā safariw wa lam tajidū kātiban fa riḥānum maqbūḍah(tun), fa'in amina ba‘ḍukum ba‘ḍan falyu'addil-lażi'tumina amānatahū walyattaqillāha rabbah(ū), wa lā taktumusy syahādah(ta), wa may yaktumhā fa'innahū āṡimun qalbuh(ū), wallāhu bimā ta‘malūna ‘alīm(un).
And if you are on a journey and cannot find a scribe, then a security deposit [should be] taken. And if one of you entrusts another, then let him who is entrusted discharge his trust [faithfully] and let him fear Allāh, his Lord. And do not conceal testimony, for whoever conceals it - his heart is indeed sinful, and Allāh is Knowing of what you do.
What is the `Mortgaging' Mentioned in the AyahAllah said,وَإِن كُنتُمْ عَلَى سَفَرٍ(And if you are on a journey) meaning, traveling and some of you borrowed some money to be paid at a later date,وَلَمْ تَجِدُواْ كَاتِبًا(and cannot find a scribe) who would record the debt for you. Ibn `Abbas said, "And even if they find a scribe, but did not find paper, ink or pen." Then,فَرِهَـنٌ مَّقْبُوضَةٌ(let there be a pledge taken (mortgaging)) given to the creditor in lieu of writing the transaction. The Two Sahihs recorded that Anas said that the Messenger of Allah ﷺ died while his shield was mortgaged with a Jew in return for thirty Wasq (approximately 180 kg) of barley, which the Prophet bought on credit as provisions for his household. In another narration, the Hadith stated that this Jew was among the Jews of Al-Madinah.Allah said,فَإِنْ أَمِنَ بَعْضُكُم بَعْضًا فَلْيُؤَدِّ الَّذِى اؤْتُمِنَ أَمَـنَتَهُ(then if one of you entrusts the other, let the one who is entrusted discharge his trust (faithfully).)Ibn Abi Hatim recorded, with a sound chain of narration, that Abu Sa`id Al-Khudri said, "This Ayah abrogated what came before it (i.e. that which required recording the transaction and having witnesses present)." Ash-Sha`bi said, "If you trust each other, then there is no harm if you do not write the loan or have witnesses present." Allah's statement,وَلْيَتَّقِ اللَّهَ رَبَّهُ(And…