Jurisprudential investigation of the interaction of Zakat organizations with Qard al-Hasan banks based on the Sharh al-Lum'a

Document Type : Article

Authors
Alireza Etemadifar
Seyyed Ali Hosseini Fatemi
Imam Sadiq University
10.30497/rmg.2025.77739
Abstract
Zakat and Qard al-Hasan are financial institutions arising from Islamic rules. These two institutions interact with each other to provide the possibility of improving access to more financial resources for the disadvantaged sections of the society. In this connection, issues such as the possibility of guaranteeing the facilities of the recipients of Qard al-Hasan by Zakat organizations or the possibility of depositing Zakat resources in Qard al-Hasan Bank are discussed. In this research, this issue was searched and investigated using a systematic literature review. Then the research questions were answered using the analytical-descriptive method based on the book Sharh al-Lum'a. The result of this study shows that it is possible to pay the deferred loans of Qard al-Hasan through resources from zakat. Therefore, in case of default of the facility, it is possible to repay the loan facility. However, the possibility of accepting deposits from Qard al-Hasan banks through Zakat sources and providing Qard al-Hasan facilities requires another research. Finally, the communication model of Qard al-Hasan Bank with Zakat organization is designed based on Shia jurisprudence.
Keywords
Zakat organization
Qard al-Hasan bank
descriptive-analytical method

  • Receive Date 03 June 2025