Bukhari

Hadith Commentary:
The meaning of the chapter is derived from this phrase:
"But those dinars remain which I have set aside for the repayment of a debt."
Because from this it is understood that every person should be concerned about repaying debts.
And repaying it takes precedence over giving charity.
Now, there is a difference of opinion regarding whether it is permissible or not for a person to take a loan without necessity in order to give charity.
And the correct view is that if one has the intention to repay, then it is permissible, rather, it is even rewardable.
Abdullah ibn Ja'far used to take loans without necessity.
People asked him, and he said that the Messenger of Allah (sallallahu alayhi wa sallam) said: "Allah is with the debtor until he repays his debt."
I wish that Allah remains with me, and from experience it has been observed that whoever becomes indebted due to spending in good deeds, the Lord causes his debt to be repaid from the unseen.
But such alchemical personalities are rare these days.
Given the current circumstances, debt is not good in any situation; though in compulsion, one has to do everything, but to take a loan for the sake of giving charity is in no way appropriate today.
Because the matter of repayment becomes extremely distressing.
Then such a debtor falls in every respect, both in religion and in worldly matters.
May Allah the Exalted protect every Muslim from debt.
And may He cause the debts of Muslim debtors to be repaid from the unseen.
Ameen.

Hadith Commentary:
(1)
From this hadith as well, the importance of repaying debts becomes evident, because the Messenger of Allah (sallallahu alayhi wa sallam) expressed the desire to spend gold equal to the mountain of Uhud in the way of Allah, and wished to keep only as much as would suffice to repay his debt.
There is a difference of opinion regarding whether it is permissible to take a loan for the purpose of charity or not. If one has the intention to repay, then it is permissible to take a loan for charity, and in fact, doing so is a source of reward.
Whoever becomes indebted due to spending in good deeds, Allah Ta'ala certainly arranges for the repayment of his debt from His unseen treasures.
(2)
Imam Bukhari (rahimahullah) has mentioned that, besides Yunus, Salih and ‘Uqayl have also narrated this hadith from Imam Zuhri (rahimahullah).
The narrations of both of them have been mentioned with a connected chain in the book "Zuhriyyat" by Muhammad ibn Yahya al-Dhuhli.
(Fath al-Bari: 5/71)

Hadith Commentary:
The true essence of asceticism (darwishi) is exactly what the Prophet sallallahu alayhi wa sallam has described: that one should not keep anything aside for the next day; whatever money or goods come to him, he should immediately distribute them among the poor and the deserving.

If a person hoards wealth for himself and keeps money with him for more than three days, he will not be called a darwish (ascetic), but rather a possessor of dinars (wealthy person).

A certain elder received some money; he first took out the fortieth part as zakat (obligatory alms), then distributed the remaining 39 parts as well, and said: I separated the fortieth part first in order to attain the reward of zakat; if I had given all of it in charity at once, I would have been deprived of the reward of this obligation.

In Hyderabad, many shaykhs and ascetics are seen who are, in fact, far inferior to the wealthy.

It is regrettable that they do not feel ashamed to call themselves ascetics; rather, they accumulate wealth just like moneylenders. They should be given the title of moneylender or banker, not that of king or faqir (ascetic).

(Waheedi)
Except as Allah wills. (Illa ma sha Allah)

Hadith Commentary:
➊
In one narration, it is reported that the Messenger of Allah sallallahu alayhi wa sallam said:
“If I had gold equal to the mountain of Uhud, it would be a great joy for me that before three nights pass, I spend it in the way of Allah (fi sabilillah) and nothing remains with me from it.”
(Sahih al-Bukhari, Al-Istiqlad (Borrowing), Hadith: 2369)
In a hadith narrated from Abu Dharr radi Allahu anhu, it is mentioned that when the Messenger of Allah sallallahu alayhi wa sallam saw the mountain of Uhud, he said:
“I wish I had gold equal to this mountain, so that before one or three nights pass, I would spend it among the servants of Allah like this, like this.” He gestured with both his hands.
(Sahih al-Bukhari, Al-Riqaq (Heart-Softening Narrations), Hadith: 6444)

➋
It is the habit of Imam Bukhari rahimahullah that he formulates such titles in his wording which indicate towards other chains of narration (turq) of the hadith. In this title as well, he has adopted the same approach.
(Fath al-Bari: 13/268)

Hadith Commentary: It is understood that accumulating capital for the repayment of a debt is not blameworthy according to the Shari‘ah.

Hadith Commentary:
(1)
This hadith shows that the Messenger of Allah (sallallahu alayhi wa sallam) had no interest in the wealth and luxuries of this world. Thus, Umar (radi Allahu anhu) narrates that once he came into the presence of the Messenger of Allah (sallallahu alayhi wa sallam) and found him lying on a mat made of date-palm fibers. There was no bedding or anything else on it, and the marks of the mat were visible on his side, and he was reclining on a leather pillow. Seeing him in this state, I began to weep, so the Messenger of Allah (sallallahu alayhi wa sallam) asked me the reason for my weeping. I said: O Messenger of Allah! Allah has granted so much abundance to the people of Persia and Rome, and you are His Messenger. He (sallallahu alayhi wa sallam) replied: "Are you not pleased that for them is this world and for us is the Hereafter?" (Sahih al-Bukhari, al-Tafsir, Hadith: 4913) In another narration, Umar (radi Allahu anhu) said: O Messenger of Allah! Pray to Allah that He grants abundance to your ummah, for He has bestowed many favors upon the people of Persia and Rome, even though they do not worship Allah. He (sallallahu alayhi wa sallam) replied: "O Ibn al-Khattab! Are you still at that position? These disbelievers are those whose pleasures have been hastened for them in the life of this world." (Sahih al-Bukhari, al-Mazalim, Hadith: 2468) (2)
From the hadith presented by Imam al-Bukhari (rahimahullah), it is also understood that even if the Messenger of Allah (sallallahu alayhi wa sallam) were to receive gold equal to the mountain of Uhud, he would not keep it with himself, but would spend it in the way of Allah, keeping only as much wealth as would suffice to pay off any debts. And Allah is the One whose help is sought.

Benefits and Issues:

➊
This hadith mentions the generosity of the Prophet (sallallahu alayhi wa sallam) and serves as an encouragement for the Ummah.

➋
Uhud is a large mountain; such a quantity of gold cannot be distributed within two or three days, yet the desire of the Prophet (sallallahu alayhi wa sallam) was that even if he had that much wealth, it should be completely distributed within two or three days.

➌
The repayment of a debt is the right of the creditor; fulfilling this obligation is more important than generosity.

➍
Taking and giving loans is permissible, but when taking a loan, one should have the intention to repay it as soon as possible.

➎
The need to keep the money safe may arise when there is still some time left before the appointed time of repayment, so that when the creditor demands it, arrangements can be made and there is no delay in repayment.

➏
If the creditor is nearby, it is better to go and repay the debt before the appointed time; but if contacting him is difficult, then it is appropriate to keep the amount safe so that repayment can be made as soon as possible.