سُوْرَةُ البَقَرَةِ

Surah Al-Baqara (2) — Ayah 245

The Cow · Medinan · Juz 2 · Page 39

مَّن ذَا ٱلَّذِى يُقْرِضُ ٱللَّهَ قَرْضًا حَسَنًا فَيُضَـٰعِفَهُۥ لَهُۥٓ أَضْعَافًا كَثِيرَةً ۚ وَٱللَّهُ يَقْبِضُ وَيَبْصُۜطُ وَإِلَيْهِ تُرْجَعُونَ ﴿245﴾
Who is he that will lend to Allâh a goodly loan so that He may multiply it to him many times? And it is Allâh that decreases or increases (your provisions), and unto Him you shall return.
مَّن man Who
ذَا dhā (is) the one
ٱلَّذِى alladhī who
يُقْرِضُ yuq'riḍu will lend
ٱللَّهَ l-laha (to) Allah
قَرْضًا qarḍan a loan
حَسَنًۭا ḥasanan good
فَيُضَـٰعِفَهُۥ fayuḍāʿifahu so (that) He multiplies it
لَهُۥٓ lahu for him
أَضْعَافًۭا aḍʿāfan manifolds
كَثِيرَةًۭ ۚ kathīratan many
وَٱللَّهُ wal-lahu And Allah
يَقْبِضُ yaqbiḍu withholds
وَيَبْصُۜطُ wayabṣuṭu and grants abundance
وَإِلَيْهِ wa-ilayhi and to Him
تُرْجَعُونَ tur'jaʿūna you will be returned

Tafsir al-Quran al-Karim is a 4-volume Quran commentary by Hafiz Abdus Salam bin Muhammad Bhutvi, a renowned Salafi (Ahl al-Hadith) scholar and Sheikh ul-Hadith from Pakistan. Based on over 45 years of teaching and research, this tafsir follows the methodology of Tafsir bil-Ma'thur — interpreting the Quran through authentic Hadith, statements of the Companions, and the understanding of the early generations (Salaf). It is distinguished by its complete avoidance of Israeliyyat (Judeo-Christian narratives) and unverified reports. The tafsir is originally written in Urdu, translated to English by tohed.com.

(Ayah 245) {مَنْ ذَا الَّذِيْ يُقْرِضُ اللّٰهَ قَرْضًا حَسَنًا:} In the previous verse, there was the command to fight in the way of Allah; now there is encouragement to spend wealth in jihad. By "a goodly loan" is meant to spend wealth purely for the pleasure of Allah Almighty and to attain reward, without any intention of showing off, causing harm to anyone, or holding a favor over them. See the grace of Allah that He Himself gives everything and then asks from His servants, and considers it a loan upon Himself. In Surah At-Tawbah, both wealth and life are mentioned, as He said: «اِنَّ اللّٰهَ اشْتَرٰى مِنَ الْمُؤْمِنِيْنَ اَنْفُسَهُمْ وَ اَمْوَالَهُمْ بِاَنَّ لَهُمُ الْجَنَّةَ» [ التوبۃ : ۱۱۱ ] "Indeed, Allah has purchased from the believers their lives and their properties in exchange for Paradise for them." In Surah Al-Baqarah (261), it is also mentioned that Allah Almighty will return this goodly loan multiplied many times over.

Tafsir Ahsan al-Bayan is a well-known Quran commentary by Hafiz Salahuddin Yusuf, a renowned Salafi (Ahl al-Hadith) scholar from Pakistan. This tafsir explains the meanings of the Quran in accordance with the methodology of the Salaf (early righteous generations), relying on authentic sources and straightforward language. Due to its reliability and adherence to sound Islamic scholarship, the Saudi government publishes and distributes this tafsir among the Hujjaj (pilgrims) visiting the Haramain. The tafsir is originally written in Urdu, translated to English by tohed.com.

245. 1. By "qard hasanah" is meant spending wealth in the way of Allah and in jihad, that is, do not hesitate in sacrificing wealth just as you would sacrifice your life. The expansion and restriction of sustenance are also in Allah's control, and He tests you in both ways—sometimes by decreasing sustenance and sometimes by increasing it. Then, by spending in the way of Allah, there is actually no decrease; Allah increases it many times over—sometimes apparently, sometimes by putting blessings in it in a spiritual and meaningful way. And in the Hereafter, its increase will certainly be astonishing.

Tafsir Taiseer ul-Quran (Facilitation of the Quran) is a comprehensive Quran commentary by Maulana Abdul Rahman Kilani, a renowned Salafi (Ahl al-Hadith) scholar from Pakistan. Known for his eloquent and accessible writing style, Kilani authored this tafsir with a focus on clarity — making Quranic meanings understandable to the common reader. The tafsir provides detailed historical context for verses related to battles and expeditions, and firmly refutes modernist ideologies using strong scriptural evidence. It is widely regarded as an invaluable resource for understanding the Quran and countering deviant interpretations. The tafsir is originally written in Urdu, translated to English by tohed.com.

245. Who is it that will lend Allah a goodly loan [342], so He may multiply it for him many times over? And it is Allah alone who restricts and grants abundance (of provision), and to Him you will be returned.

[342]
Conditions for Increase in the Reward of Qard Hasanah:

Qard Hasanah refers to such a loan that is given solely for the pleasure of Allah to the poor, relatives, and needy, and the borrower should not be pressured for repayment, nor should the loan be reminded to them after giving it, nor should any kind of forced labor be taken from them, and if the debtor is truly destitute and unable to repay, then it should be forgiven. The concept of giving a Qard Hasanah to Allah is broader than this, which includes all forms of spending in the way of Allah, and it also includes spending on preparation for jihad and providing financial support to the mujahideen, and in accordance with the context, this very situation seems correct here. Allah increases such a loan up to seven hundred times, or even more than that, and this increase depends on two things: first, that it is spent purely for the pleasure of Allah, and second, that it is given with complete happiness of the heart. Along with this, Allah has also made it clear that you should not fear a decrease in your wealth due to spending, because increase and decrease in wealth is only in the hands of Allah, and in another place in the Quran, [34: 39] it is stated that whatever you spend in the way of Allah, Allah will grant you a good substitute for it.