The World Federation One Stop Fiqh

Ask an Alim

What are islamic teachings regarding taking loans for extra and useless functions and expenditures of marriage ??


Spending too much money in marriages is a common practice in many muslim countries today. Rich people do it to show their wealth and the middle class and lower middle class does it just to keep themselves dignified in the society by taking loans which lead to post marriage domestic violence and fights eventually leading to a rising number of divorce incidences because the groom has to pay back a lot of loans for his marriage and he is unable to fulfill the wishes of his wife and children. I want to ask what are islamic teachings regarding taking loans for extra and useless functions and expenditures of marriage ?? Kindly guide with authentic references from Quran, Ahadees and interpretations of Aima. How can we stand against this because these useless and extra expenditures have ruined our Islamic traditions and young boys prefer buying prostitutes to fulfill their natural sexual needs than to spend a huge amount of money on getting married. These Non-Islamic rituals have made “Zina” easy and “Nikah” difficult.
Syed Zohaib Tayyab Gilani.


Salamun Alaykum

Thank you for your query.

إِنَّ الْمُبَذِّرِينَ كَانُوا إِخْوَانَ الشَّيَاطِينِ وَكَانَ الشَّيْطَانُ لِرَبِّهِ كَفُورًا

Indeed the wasteful are brothers of satans, and Satan is ungrateful to his Lord. (Isra/27)


  1. Allah doesn’t like the people who are wasteful. Unfortunately, due to a poor norm some rich people waste a lot, especially at wedding times to show off, and on the other hand the middle class people feel the Inferiority and degradation and try to take the loan to compete and not stay behind in being wasteful. Both these cases are wrong and against the teachings of Islam and Ahlul Bayt(as).
    The cultures are never the role models for us rather Islam and it’s teaching should be our criteria.


  1. Israf is mentioned as the thirty second greater sin in the book “Greater sins”:

The thirty-second sin, which has been mentioned in the Qur’an and traditions as a Greater sin, is Israf or wasteful expenditure. It is enumerated among the Greater Sins in the tradition of Fazl Ibn Shazan from Imam al-Ridha (‘a) and also in the tradition of Amash from Imam Ja’far al-Sadiq (‘a). The Qur’anic verses and traditions, both, confirm that wasteful expenditure is a Greater sin.
To read in detail about Israf, please visit

  1. If all follow the teachings of Islam and Ahlul Bayt(as), the doors of sins can be permanently closed but unfortunately, the farther we go from their teachings we will fall in different sins or cultural traditions which will lead us in various spiritual diseases as one of them is mentioned above. Takabbur is the cause of Israaf. Nowhere in Qur’an or Ahadith it is said to show off or to put yourself in trouble and hardship for marriage issue.
  2. The major part of this difficulty is formed from the intricacies created by society, which is not the actual difficulty of marriage. Had our life been based upon the foundations of Islam and human nature, these external difficulties would not have existed, or would have been extremely minimized, and there would have been no youth who could not marry due to such things.
  3. If as a result of not having a wife, one will fall into sin, then it is wajib to get married. If due to not having a wife, one will either commit a haram act or fears that he will commit a haram act; or if because of not having a wife, there will be some detrimental effect on his body, then it is wajib to get married. Therefore, if someone knows that in the event that he does not get married he will fall into sin, such as looking at non-Mahram in a haram way, looking at (prohibited) photographs or movies, or one may become forced to or has no other way out but to sexually please himself (masturbation) or may fall into having illicit sexual relations with non-Mahram, then it is wajib to get married.
  4. There are so many Ahadith regarding giving loan to the needy as it contains a lot of reward. But here I will quote the Ahadith which speaks about debt and debtor.
  • God, helper of the debtor:

Prophet Muhammad (s.a.w.w) said:

إِنَّ اللّه‏َ تَعالى مَعَ الدّائِنِ حَتّى يَقْضىَ دَيْنَهُ مالَمْ يَكُنْ دَيْنُهُ فيما يَكْرَهُ اللّه‏ُ   (Nahjul Fasah’a, page 303)

God is the helper of the debtor to repay his debt, provided that his debt is not against God’s will.

  • Borrow less:

Prophet Muhammad (s.a.w.w) said:

أَقِلَّ مِنَ الدَّيْنِ تَعِشْ حُرّا     (Nahjul Fasah’a, page 235)

Borrow less to stay free.

  • Do not go under the burden of debt:

Imam Ali (as) said:

اِيّاكُمْ وَ الدَّيْنَ فَاِنَّهُ مَذَلَّةٌ بِالنَّهارِ، وَ مَهَمَّةٌ بِاللَّيلِ وَ قَضاءٌ فِى الدُّنْيا وَ قَضاءٌ فِى الآْخِرَةِ   (Kafi, vol 5, page 95)

Do not go under the burden of debt because debt is humiliation of the day and sorrow of the night, and has a repayment in this world and the hereafter.

Giving loan counted as one of the good acts in the light of Qur’an and Sunnah. As stated in Baqarah/245 “Who is it that will lend Allah a good loan that He may multiply it for him severalfold?…”

We put all verses & Ahadith together and get the result, which clearly shows that it is recommended to give loan to help others but on the other hand, one should be aware to not undergo debt unless required. There are phases in life when one really requires the loan and takes the loan which is totally permissible. But there are some situations where loan is not really necessary if one shows contentment. In these sort of situations it is better to stay away from taking loans as sometimes the cause of this loan is showing off and Takabbur. Anywhere we feel the cause is Haram, we should refrain from that particular action.
If we follow the footsteps of Ahlul Bayt(as) we will never reach a dead end. They showed us how to live a good life with contentment. If we live our lives according to the teachings of Islam, it will never lead us towards Zina. It is us who have made the Nikah hard. Hence, we should try to make the Nikah easier to close the other ways and let this way of Sunnah be opened for all and made easy so even a poor can marry without financial problems.

May Allah(swt) grant you success


Syed Haider