مَّن ذَا ٱلَّذِى يُقْرِضُ ٱللَّهَ قَرْضًا حَسَنًا فَيُضَـٰعِفَهُۥ لَهُۥٓ أَضْعَافًا كَثِيرَةً ۚ وَٱللَّهُ يَقْبِضُ وَيَبْصُۜطُ وَإِلَيْهِ تُرْجَعُونَ 245
Translations
Who is it that would loan Allāh a goodly loan so He may multiply it for him many times over? And it is Allāh who withholds and grants abundance, and to Him you will be returned.
Transliteration
Man dha alladhi yuqridu Allaha qardan hasanan fayudaAAifahu lahu adAAafan kathirah. Wa Allahu yaqbidu wayabsut wa ilayhi turjaAAun.
Tafsir (Explanation)
This ayah presents the metaphor of lending to Allah (qard al-hasan) as an investment in charity and good deeds, which Allah multiplies manifold in return. Classical scholars like Ibn Kathir and Al-Qurtubi explain that this refers to spending in the way of Allah—whether in charity, supporting the needy, or other righteous causes—which Allah promises to reward abundantly on the Day of Judgment. The ayah emphasizes Allah's complete sovereignty over all provision (qabd and bast) and reminds humanity that ultimately all return to Him for final judgment.
Revelation Context
This ayah appears in the Medinan period of Surah Al-Baqarah, which addresses the Muslim community's practical and spiritual needs. It comes within a section discussing financial obligations and charitable giving, encouraging the early Muslim community to invest their wealth in Allah's cause despite economic challenges they faced.
Related Hadiths
The Prophet (peace be upon him) said: 'The best charity is that given when one is in need yet gives, and the best loan is that which is given with good intention.' (Related themes in Jami' at-Tirmidhi). Also relevant: 'Who will lend to Allah a good loan?' (Sahih Bukhari 2389, where the Prophet uses this Quranic metaphor to encourage charity).
Themes
Key Lesson
This ayah teaches believers that generosity and charitable giving are not losses but investments with infinite returns guaranteed by Allah, transforming our relationship with wealth from possession to stewardship. It encourages a mindset of trusting in Allah's abundance rather than hoarding, knowing that true security comes from His promise, not material accumulation.
Related Ayahs
وَإِذْ قَالَ مُوسَىٰ لِقَوْمِهِۦ يَـٰقَوْمِ إِنَّكُمْ ظَلَمْتُمْ أَنفُسَكُم بِٱتِّخَاذِكُمُ ٱلْعِجْلَ فَتُوبُوٓا۟ إِلَىٰ بَارِئِكُمْ فَٱقْتُلُوٓا۟ أَنفُسَكُمْ ذَٰلِكُمْ خَيْرٌ لَّكُمْ عِندَ بَارِئِكُمْ فَتَابَ عَلَيْكُمْ ۚ إِنَّهُۥ هُوَ ٱلتَّوَّابُ ٱلرَّحِيمُ
And [recall] when Moses said to his people, "O my people, indeed you have wronged yourselves by your taking of the calf [for worship]. So repent to your Creator and kill yourselves [i.e., the guilty among you]. That is best for [all of] you in the sight of your Creator." Then He accepted your repentance; indeed, He is the Accepting of Repentance, the Merciful.
قُلْ إِن كَانَتْ لَكُمُ ٱلدَّارُ ٱلْـَٔاخِرَةُ عِندَ ٱللَّهِ خَالِصَةً مِّن دُونِ ٱلنَّاسِ فَتَمَنَّوُا۟ ٱلْمَوْتَ إِن كُنتُمْ صَـٰدِقِينَ
Say, [O Muḥammad], "If the home of the Hereafter with Allāh is for you alone and not the [other] people, then wish for death, if you should be truthful."
أَلَمْ تَرَ إِلَى ٱلَّذِى حَآجَّ إِبْرَٰهِـۧمَ فِى رَبِّهِۦٓ أَنْ ءَاتَىٰهُ ٱللَّهُ ٱلْمُلْكَ إِذْ قَالَ إِبْرَٰهِـۧمُ رَبِّىَ ٱلَّذِى يُحْىِۦ وَيُمِيتُ قَالَ أَنَا۠ أُحْىِۦ وَأُمِيتُ ۖ قَالَ إِبْرَٰهِـۧمُ فَإِنَّ ٱللَّهَ يَأْتِى بِٱلشَّمْسِ مِنَ ٱلْمَشْرِقِ فَأْتِ بِهَا مِنَ ٱلْمَغْرِبِ فَبُهِتَ ٱلَّذِى كَفَرَ ۗ وَٱللَّهُ لَا يَهْدِى ٱلْقَوْمَ ٱلظَّـٰلِمِينَ
Have you not considered the one who argued with Abraham about his Lord [merely] because Allāh had given him kingship? When Abraham said, "My Lord is the one who gives life and causes death," he said, "I give life and cause death." Abraham said, "Indeed, Allāh brings up the sun from the east, so bring it up from the west." So the disbeliever was overwhelmed [by astonishment], and Allāh does not guide the wrongdoing people.
مَّا يَوَدُّ ٱلَّذِينَ كَفَرُوا۟ مِنْ أَهْلِ ٱلْكِتَـٰبِ وَلَا ٱلْمُشْرِكِينَ أَن يُنَزَّلَ عَلَيْكُم مِّنْ خَيْرٍ مِّن رَّبِّكُمْ ۗ وَٱللَّهُ يَخْتَصُّ بِرَحْمَتِهِۦ مَن يَشَآءُ ۚ وَٱللَّهُ ذُو ٱلْفَضْلِ ٱلْعَظِيمِ
Neither those who disbelieve from the People of the Scripture [i.e., the Jews and Christians] nor the polytheists wish that any good should be sent down to you from your Lord. But Allāh selects for His mercy whom He wills, and Allāh is the possessor of great bounty.