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2779721/01/2014

Ruling on helping someone who has repented from riba-based transactions by paying off his loan

Question: 210485

Is it permissible for me to pay off loans based on riba, as an act of charity to those who regret having gotten involved in interest? Or is it not permissible to pay off anything except the principal of the loan and not the riba?

Praise be to Allah, and peace and blessings be upon the Messenger of Allah and his family.

If a person has repented from riba-based transactions, has resolved not to
go back to them and regrets having done that, but he cannot avoid paying
this interest, because the system obliges him to pay off the loans with the
interest, otherwise he will be arrested and put in prison, then there is
nothing wrong with helping him to pay off this debt and the resulting
interest, and there is no sin on the one who helps him to do that, because
this is helping to relieve a Muslim of distress. 

The Prophet (blessings and peace of Allah be upon him) said: Whoever
relieves a Muslim of distress, Allah will relieve him of distress on the Day
of Resurrection.

Narrated by al-Bukhaari (2442) and Muslim (2580). 

And because every time there is a delay in paying off the debt, the interest
accumulates further. 

The scholars have stated that if a person who is in debt for something
haraam repents to Allah, there is nothing wrong with giving him zakaah funds
to pay off his debts. 

Shaykh Muhammad ibn ‘Uthaymeen (may Allah have mercy on him) said: 

Question: if a person is in debt for something haraam, can we give him
zakaah?

Answer: If he has repented, we may give him, otherwise we do not give him, 
because this comes under the heading of helping him with something haraam,
hence if we gave to him, he would take out another loan.

End quote from ash-Sharh al-Mumti‘, 6/235 

Dr. ‘Umar Sulaymaan al-Ashqar said: If a person has got into debt by way of
riba, it is not permissible to pay off his debt from zakaah funds allocated
for debtors, unless he has repented and given up dealing in riba.

End quote from Abhaath al-Nadwah al-Khaamisah li Qadaayaa az-Zakaah al-Mu‘aasirah,
p.210 

But in the case of one who has not repented from riba-based transactions,
and only wants to solve his problem, and if his debt was paid off, he would
not mind going back to dealing in riba again, then it is not permissible to
help such a person to pay off his debt, because that comes under the heading
of helping him in sin and transgression, which is not permissible. 

And Allah knows best.

Source

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