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

قال اللَّه تعالی : مَن ذَا الَّذِی یُقْرِضُ اللَّهَ قَرْضًا حَسَنًا فَیُضَاعِفَهُ لَهُ وَلَهُ أَجْرٌ کَرِیمٌ

Who is it that will lend to Allah a good loan so that Allah may multiply it for him many times, and he will have a valuable reward!

📖 Surah Al-Hadid, Ayah 11

إِن تُقْرِضُوا اللَّهَ قَرْضًا حَسَنًا یُضَاعِفْهُ لَکُمْ وَیَغْفِرْ لَکُمْ ۚ وَاللَّهُ شَکُورٌ حَلِیمٌ

If you lend to Allah a good loan, He will multiply it for you and forgive you, and Allah is appreciative and forbearing!

📖 Surah At-Taghabun, Ayah 17

مَّن ذَا الَّذِی یُقْرِضُ اللَّهَ قَرْضًا حَسَنًا فَیُضَاعِفَهُ لَهُ أَضْعَافًا کَثِیرَةً ۚ وَاللَّهُ یَقْبِضُ وَیَبْسُطُ وَإِلَیْهِ تُرْجَعُونَ

Who is it that will lend to Allah a good loan, so that Allah may multiply it for him many times? And Allah is the one who restricts (withholds) and expands, and to Him, you will return!

📖 Surah Al-Baqarah, Ayah 245

1⃣قَالَ الصَّادِقُ نِعْمَ الشَّیْءُ الْقَرْضُ إِنْ أَیْسَرَ قَضَاکَ وَ إِنْ أَعْسَرَ حَسَبْتَهُ مِنَ الزَّکَاةِ.

📚 Al-Faqih, Vol. 2, p. 17

Imam Sadiq (peace be upon him) said: A loan is a good thing! If the person becomes wealthy, they repay it; and if they become poor, it is considered part of their zakat!

2⃣قَالَ الصَّادِقُ علیه السلام: عَلَی بَابِ الْجَنَّةِ مَکْتُوبٌ الْقَرْضُ بِثَمَانِیَةَ عَشَرَ وَ الصَّدَقَةُ بِعَشَرَةٍ وَ ذَلِکَ أَنَّ الْقَرْضَ لَا یَکُونُ إِلَّا فِی یَدِ الْمُحْتَاجِ وَ الصَّدَقَةَ رُبَّمَا وَقَعَتْ فِی یَدِ غَیْرِ مُحْتَاجٍ

📚 Tafseer al-Qummi, Vol. 2, p. 350

Imam Sadiq (peace be upon him) said: On the door of Heaven, it is written: A loan is rewarded eighteen times over, while charity is rewarded ten times. This means that a loan is only given to the needy, while charity may end up in the hands of someone who is not needy!

3⃣جَابِرٍ عَنْ أَبِي جَعْفَر قَالَ: مَنْ أَقْرَضَ رَجُلًا قَرْضاً إِلَى مَيْسَرَةٍ كَانَ مَالُهُ فِي زَكَاةٍ وَ كَانَ هُوَ فِي الصَّلَاةِ مَعَ الْمَلَائِكَةِ حَتَّى يَقْضِيَهُ

📚 Al-Kafi, Vol. 3, p. 558

Imam Baqir (peace be upon him) said: Whoever lends to someone until they are able to repay (i.e., until they are capable and no longer in need), their wealth is considered as zakat, and they are with the angels in prayer until the borrower repays the loan!

4⃣عن محمد بن جناب عَنْ شَیْخٍ کَانَ عِنْدَنَا قَالَ سَمِعْتُ أَبَا عَبْداللَّهِ علیه السلام یَقُولُ: لَأَنْ أُقْرِضَ قَرْضاً أَحَبُّ إِلَیَّ مِنْ أَنْ أَصِلَ بِمِثْلِهِ قَالَ وَ کَانَ یَقُولُ مَنْ أَقْرَضَ قَرْضاً فَضَرَبَ لَهُ أَجَلًا فَلَمْ یُؤْتَ بِهِ عِنْدَ ذَلِکَ الْأَجَلِ فَإِنَّ لَهُ مِنَ الثَّوَابِ فِی کُلِّ یَوْمٍ یَتَأَخَّرُ عَنْ ذَلِکَ الْأَجَلِ بِمِثْلِ صَدَقَةِ دِینَارٍ وَاحِدٍ فِی کُلِّ یَوْمٍ

📚 Thawab al-A’mal, p. 124

The narrator said: I heard Imam Sadiq (peace be upon him) say: If I give a loan, it is more beloved to me than giving a similar amount as a gift!

And he said: Whoever gives a loan and sets a deadline for it, and the repayment is delayed, for each day the repayment is delayed, it will be as if they have received the reward of giving a dinar as charity each day!

5⃣عَنِ الْفُضَیْلِ قَالَ قَالَ أَبُو عَبْداللَّهِ علیه السلام: مَا مِنْ مُسْلِمٍ أَقْرَضَ مُسْلِماً قَرْضاً یُرِیدُ وَجْهَ اللَّهِ إِلَّا احْتُسِبَ لَهُ أَجْرُهَا بِحِسَابِ الصَّدَقَةِ حَتَّی تَرْجِعَ إِلَیْهِ

📚 Thawab al-A’mal, p. 124

Imam Sadiq (peace be upon him) said: There is no Muslim who gives a loan to a fellow Muslim for the pleasure of Allah, except that his reward is counted as charity until it is repaid to him!

6⃣عَنْ هَیْثَمٍ الصَّیْرَفِیِّ و غَیْرِهِ عَنْ أَبِی عَبْدِ اللَّهِ علیه السلام قَالَ: الْقَرْضُ الْوَاحِدُ بِثَمَانِیَةَ عَشَرَ وَ إِنْ مَاتَ احْتُسِبَ بِهَا مِنَ الزَّکَاة

📚 Thawab al-A’mal, p. 124

Imam Sadiq (peace be upon him) said: The reward for a loan is one to eighteen, and if the borrower dies, it is counted as zakat!

7⃣عَنْ عَبْداللَّهِ بْنِ سِنَانٍ عَنْ أَبِی عَبْدِاللَّهِ علیه السلام قَالَ قَالَ النَّبِیُّ صلی الله علیه و آله: أَلْفُ دِرْهَمٍ أُقْرِضُهَا مَرَّتَیْنِ أَحَبُّ إِلَیَّ مِنْ أَنْ أَتَصَدَّقَ بِهَا مَرَّةً...

📚 Thawab al-A’mal, p. 124

Imam Sadiq (peace be upon him) said: The Messenger of Allah (peace be upon him) said: A thousand dirhams that I lend twice is more beloved to me than giving it once as charity!

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

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