Category: Business Matters
Fatwa#: 39506
Asked Country: United Kingdom

Answered Date: Jan 16,2018

Title: Returning a loan when the creditor cannot be found or has passed away


If you owe someone money but when the time came to pay him off, you can't find him or his dead.

In this case how would you pay the debt (Karz) off?


In the Name of Allaah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, if the creditor happens to pass away prior to the debtor paying his debt, then the debtor shall pay off the debt to the inheritors of the creditor[i].

If the debtor cannot locate the creditor or his inheritors, he should give the amount owed in charity on behalf of the creditor, intending the reward for the creditor[ii].


And Allaah Ta’aala Knows Best

Muajul I. Chowdhury


Student, Darul Iftaa

New York, USA


Checked and Approved by,
Mufti Ebrahim Desai.

[i]  كفاية المفتي (8/138)


[ii]  جامع الفتاوى (6/260) 

فتاوى عبد الحي (ص331) 

DISCLAIMER - questions answers issues pertaining to Shar'ah. Thereafter, these questions and answers are placed for public view on for educational purposes. However, many of these answers are unique to a particular scenario and cannot be taken as a basis to establish a ruling in another situation or another environment. bears no responsibility with regards to these questions being used out of their intended context.
  • The Shar's ruling herein given is based specifically on the question posed and should be read in conjunction with the question.
  • bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.
  • This answer may not be used as evidence in any Court of Law without prior written consent of
  • Any or all links provided in our emails, answers and articles are restricted to the specific material being cited. Such referencing should not be taken as an endorsement of other contents of that website.