It is narrated from the wife of the Prophet, Sayyida Maymunah (may Allah be pleased with her), that she took a loan. Someone said to her: "You take a loan, while you do not have the ability to repay it?" She replied: "I heard the Messenger of Allah (peace and blessings be upon him) say: When a person takes a loan and Allah Almighty knows about him that he intends to repay it, then Allah Almighty enables him to repay it."
Hadith Referenceالفتح الربانی / كتاب السلم كتاب القرض والدين / 6045
Hadith Gradingمحدثین:صحیح
Hadith Takhrij«صحيح بشواهده۔ أخرجه ابن ماجه: 4288، والنسائي: 7/ 315 ، (انظر مسند أحمد ترقيم الرسالة: 26816 ترقیم بيت الأفكار الدولية: 27353»
Brief Explanation
Benefits: … The meaning of these ahadith is that a person who takes a loan out of such necessity for which he has no other recourse, and then has a sincere intention to repay it, and strives to fulfill this responsibility at the earliest opportunity, but still is unable to repay the loan—then the favorable assumption is that Allah Ta'ala will not hold him accountable for this on the Day of Judgment. And if the creditor did not forgive him during his lifetime, then Allah Ta'ala will make him pleased from His own side.