It is narrated from Sayyiduna Anas (may Allah be pleased with him) that the Messenger of Allah (peace and blessings be upon him) said: "On the night I was taken on the Night Journey, I saw written on the gate of Paradise: 'Charity is (rewarded) tenfold, and a loan eighteenfold.' I asked: 'O Jibril, why is a loan better than charity?' He replied: 'Because the beggar asks even while he has wealth with him, whereas the one who seeks a loan borrows only out of need.'"
Hadith Referenceالمعجم الأوسط / باب الميم / 6719
Hadith Takhrij«أخرجه ابن ماجه فى «سننه» برقم: 2431»