That's why debt repayment is more important than charity.

One of the acts of worship in Islam is to give common charity, help, and cooperation to the poor and vulnerable people.

 

That's why debt repayment is more important than charity.

One of the acts of worship in Islam is to give common charity, help, and cooperation to the poor and vulnerable people. Allah Ta'ala says, 'You will not attain virtue in anything until you spend (for Allah) from what you love. Whatever you spend, Allah is fully aware of it.'

On the other hand, giving and taking Borrow for the needs of life has been declared legal in Islam.

Lending is a good practice.

 It plays a strong role in the welfare of humanity. The lender is a lucky person in the eyes of the Qur'an and Hadith. Lend help meet the needs of others.

 The holy prophet Muhammad (PBUH) said, 'A Muslim is the brother of another Muslim. He does no wrong to him. His help does not leave. Whoever fulfills the needs of his Muslim brother, Allah fulfills his needs.

And whoever removes one danger from any Muslim, Allah will remove one danger from his dangers on the Day of Resurrection.' (Bukhari, Hadith: 2442)

But in this case, the borrower should pay the lend as soon as possible. Because the debt is the right of the slave, which must be paid. It is better to pay off the lend as soon as possible. It must be paid before death.

If someone dies before payment, then someone must be bequeathed. Hopefully, he will be forgiven. Otherwise, irreparable damage may be caused due to debt later on. Rasulullah (SAW) said, "All the sins of the martyr are forgiven except the debt." (Muslim, Hadith: 4777)

Charity is optional. And debt is essential.

 Therefore, debt repayment is more important than charity. Similarly, fulfilling the right of a slave is more important than giving simple charity. There are two types of slave rights. First type of monetary right. For example, someone has taken a lend from someone and has not paid it back or has illegally taken someone's property, embezzled it, or taken a bribe from someone. All such entitlements should be listed and paid.

It is easy to pay these rightful creditors if they are alive and their address is known. When they die, they have to find their heirs and claim their rights. If their address is not known despite searching, they will donate the amount due on their behalf.

The second type of bandar haq is physical haq. For example, hurting someone with a hand or tongue without Shariah reason, abusing someone, blaspheming, etc. 

In these cases, it is important to apologize to the servant. Rasulullah (SAW) said, 'Can you say who is destitute?' The Companions said, whoever among us does not have money and furniture is destitute. Then he said, 'The truly destitute among my Ummah, the person who will appear on the Day of Resurrection with the deeds of prayer, fasting, and zakat, will come to a state that has abused it, slandered it, usurped its wealth, killed it, and killed it. Then it will be given from his good deeds; he will be given from his good deeds. Then if his (creditor's) due is not fulfilled from his good deeds, a portion of their sins will be imputed to him. After that, he will be thrown into Hell.' (Muslim, Hadith: 6473)