✅ Answer: Please refer to the following verses and narrations:

1⃣ Allah the Almighty says in Surah Al-Ma'un:

فَوَیْلٌ لِّلْمُصَلِّینَ (۴)

Woe to those who pray,

الَّذِینَ هُمْ عَن صَلَاتِهِمْ سَاهُونَ (۵)

Those who are heedless of their prayers,

الَّذِینَ هُمْ یُرَاءُونَ (۶)

Those who show off,

وَیَمْنَعُونَ الْمَاعُونَ (۷)

And prevent the small acts of kindness (ma'un)!

2⃣عن سماعة بْنِ مِهْرَانَ عَنْ أَبِي عَبْداللَّهِ قَالَ في حَدِيثٍ وَ لَكِنَّ اللَّهَ عَزَّوَجَلَّ فَرَضَ فِي أَمْوَالِ الْأَغْنِيَاءِ حُقُوقاً غَيْرَ الزَّكَاةِ.... وَ الْمَاعُونُ أَيْضاً وَ هُوَ الْقَرْضُ يُقْرِضُهُ وَ الْمَتَاعُ يُعِيرُهُ وَ الْمَعْرُوفُ يَصْنَعُهُ

📚 Al-Kafi, Vol. 3, p. 501

Imam Sadiq (peace be upon him) said in a narration: But by Allah, He has made certain rights in wealth obligatory, apart from zakat, such as ma'un, which includes the loan given, items lent, and acts of kindness done!

3⃣عَنْ رَسُول اللَّهِ قال... مَنْ مَنَعَ الْمَاعُونَ مِنْ جَارِهِ إِذَا احْتَاجَ إِلَيْهِ مَنَعَهُ اللَّهُ فَضْلَهُ يَوْمَ الْقِيَامَةِ وَ وَكَلَهُ إِلَى نَفْسِهِ وَ مَنْ وَكَلَهُ اللَّهُ عَزَّ وَ جَلَّ إِلَى نَفْسِهِ هَلَكَ و لَا يَقْبَلُ اللَّهُ عَزَّ وَ جَلَّ لَهُ عُذْراً

📚 Uqbah al-A'mal, p. 333

The Messenger of Allah (peace be upon him) said: Whoever withholds ma'un when his neighbor is in need, Allah will withhold His grace from him on the Day of Judgment, leaving him to his own devices. And whoever is left to himself by Allah will be doomed, and Allah will not accept any excuse from him!

4⃣الْحُسَيْنِ بْن زَيْد عَنِ الصَّادِقِ عَنْ آبَائِهِ فِي حَدِيث الْمَنَاهِي قَالَ: وَ نَهَى رَسُولُ اللَّهِ أَنْ يَمْنَعَ أَحَدٌ الْمَاعُونَ جَارَهُ وَ قَالَ مَنْ مَنَعَ الْمَاعُونَ جَارَهُ مَنَعَهُ اللَّهُ خَيْرَهُ يَوْمَ الْقِيَامَةِ وَ وَكَلَهُ إِلَى نَفْسِهِ وَ مَنْ وَكَلَهُ إِلَى نَفْسِهِ فَمَا أَسْوَأَ حَالَهُ

📚 Al-Faqih, Vol. 4, p. 14

In the Hadith of Prohibitions, the Messenger of Allah (peace be upon him) forbade withholding ma'un from one's neighbor and said: Whoever withholds ma'un from his neighbor, Allah will withhold His goodness from him on the Day of Judgment and will leave him to himself. And whoever is left to himself by Allah, how miserable his condition will be!

5⃣عن زين العابدين في حديث : الذُّنُوبُ الَّتِي تَحْبِسُ غَيْثَ السَّمَاءِ جَوْرُ الْحُكَّامِ فِي الْقَضَاءِ وَ شَهَادَةُ الزُّورِ وَ كِتْمَانُ الشَّهَادَةِ وَ مَنْعُ الزَّكَاةِ وَ الْقَرْضِ وَ الْمَاعُونِ وَ قَسَاوَةُ الْقَلْبِ عَلَى أَهْلِ الْفَقْرِ وَ الْفَاقَةِ وَ ظُلْمُ الْيَتِيمِ وَ الْأَرْمَلَةِ وَ انْتِهَارُ السَّائِلِ وَ رَدُّهُ بِاللَّيْل

📚 Ma'ani al-Akhbar, p. 270

Imam Zayn al-Abidin (peace be upon him) said in a narration: The sins that withhold rain and snow from the sky include the oppression of rulers in judgment, false testimony, concealing testimony, withholding zakat, loans, and ma'un, hardness of heart towards the poor and needy, injustice towards orphans and widows, and rejecting the beggar at night.

6⃣قَالَ النَّبِیُّ صلی الله علیه و آله : مَنِ احْتَاجَ إِلَیْهِ أَخُوهُ الْمُسْلِمُ فِی قَرْضٍ وَ هُوَ یَقْدِرُ عَلَیْهِ فَلَمْ یَفْعَلْ حَرَّمَ اللَّهُ عَلَیْهِ رِیحَ الْجَنَّة

📚 Amali al-Saduq, p. 430

The Messenger of Allah (peace be upon him) said: Whoever has a Muslim brother who is in need of a loan and is able to provide it but does not, Allah will make the scent of Paradise forbidden for him!

7⃣عَنِ السَّکُونِیِّ عَنْ جَعْفَرٍ عَنْ أَبِیهِ قَالَ: لَا تُمَانِعُوا قَرْضَ الْخَمِیرِ وَ الْخُبْزِ فَإِنَّ مَنْعَهُ یُورِثُ الْفَقْرَ.

📚 Al-Tahdhib, Vol. 7, p. 162

Imam Baqir (peace be upon him) said: Do not withhold loans for flour and bread, for doing so leads to poverty!

✅ Based on the verses and narrations above, lending to those in need is one of the examples of ma'un. Failing to lend a benevolent loan to those in need, when able and when conditions are met, is considered a sin that withholds rain from the sky, and various punishments for it are mentioned in the narrations.

Therefore, although lending is not obligatory except in cases of necessity, in the case of the borrower's need and when other necessary conditions are met, we are obligated to provide a benevolent loan.

اللَّهُمَّ صَلِّ عَلَی مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ عَجِّلْ لِوَلِیِّکَ الْفَرَجَ وَ الْعَافِیَةَ وَ النَّصْر

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