سُوْرَةُ الْحَدِيْدِ

Surah Al-Hadid (57) — Ayah 11

The Iron · Medinan · Juz 27 · Page 538

مَّن ذَا ٱلَّذِى يُقْرِضُ ٱللَّهَ قَرْضًا حَسَنًا فَيُضَـٰعِفَهُۥ لَهُۥ وَلَهُۥٓ أَجْرٌ كَرِيمٌ ﴿11﴾
Who is he that will lend Allâh a goodly loan: then (Allâh) will increase it manifold to his credit (in repaying), and he will have (besides) a good reward (i.e. Paradise).
مَّن man Who (is)
ذَا dhā the one who
ٱلَّذِى alladhī the one who
يُقْرِضُ yuq'riḍu will loan
ٱللَّهَ l-laha (to) Allah
قَرْضًا qarḍan a loan
حَسَنًۭا ḥasanan goodly
فَيُضَـٰعِفَهُۥ fayuḍāʿifahu so He will multiply it
لَهُۥ lahu for him
وَلَهُۥٓ walahu and for him
أَجْرٌۭ ajrun (is) a reward
كَرِيمٌۭ karīmun noble

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 11) {مَنْ ذَا الَّذِيْ يُقْرِضُ اللّٰهَ قَرْضًا حَسَنًا …:} For its exegesis, see Surah Al-Baqarah (245, 244) and for {’’ اَجْرٌ كَرِيْمٌ ‘‘} see Surah Al-Anfal (74) and Surah Al-Hajj (50).

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.

1. To give Allah a goodly loan means to give charity and alms in the way of Allah; this wealth, which a person spends in the way of Allah, is itself given by Allah, yet calling it a loan is Allah’s grace and favor, that He will grant reward for this spending just as the repayment of a loan is obligatory.

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.

11. Who is it that will lend to Allah a good loan [16], so He may multiply it for him and grant him a noble reward [17]?

[16]
Ten Guidelines Regarding Qard Hasanah:

Qard Hasanah refers to any wealth that is spent purely for the pleasure of Allah, according to His instructions and commands. Whether it is obligatory charity or zakat, or other obligatory or voluntary charities, and whether it is spent in the path of Allah for jihad or given to fulfill the need of a needy person. Observing the following ten matters regarding Qard Hasanah will make it the best charity.
(1) It should be spent from lawful earnings because charity from unlawful earnings is not accepted.
(2) Do not give inferior goods in charity.
(3) Give charity at a time when you yourself are also in need.
(4) Give preference to the need of another over your own need.
(5) Giving charity secretly is better.
(6) After giving charity, do not remind of your favor nor try to obtain compensation for it in any other way. These things ruin charity.
(7) There should not be even a hint of show or ostentation (riya) in charity. This too ruins charity.
(8) Consider your given charity as insignificant. After giving charity, one’s soul should not become proud of this good deed.
(9) If one gives the best and most beloved wealth in charity, it is much better for him.
(10) After giving charity to the needy, do not think that you have done him a favor, rather think that he had a right in your wealth and you have fulfilled his right, and by giving the right to the deserving, you have lightened your own burden.

[17]
Two Benefits of Qard Hasanah:

Allah Almighty has made two promises to those who give Qard Hasanah: one is that Allah will return it multiplied many times over. Allah has promised the return of such spent wealth even in this world. [34: 39]
And in the Hereafter, it can be increased up to seven hundred times or even more, meaning that the more the above-mentioned conditions of Qard Hasanah are observed, the greater will be the increase in its reward. And the second promise is that He will grant them an excellent reward. This phrase indicates the reality that if a person spends a portion of the wealth given by Allah according to Allah’s command, then where does the person have the right to receive a reward? But even so, Allah grants a very excellent reward to those who give such Qard Hasanah. It should be clear that Allah giving the servant double or more than the original is not a matter of interest or usury. Therefore, this matter is between the Master and His slave. And whatever reward the Owner gives for the services of the slave—whether equal, double, tenfold, or twentyfold—it cannot be called interest or usury. However, it can certainly be estimated how appreciative and generous the Master is regarding the services of His slave.