Responsible borrowing means more than merely hoping to do the right thing: it calls for concrete care to safeguard the other party's rights.
Practical situations
1. Clearly agreeing on the amount and repayment terms helps both people avoid misunderstanding.
2. If genuine difficulty arises, acknowledging the obligation and communicating with the lender is better than silently avoiding the issue.
3. Property held in trust must not be treated as one's personal money.
إِلَّا الدَّيْنَ
“Except for debt.”
The short phrase reminds us that another person's claim cannot simply be ignored because we consider our intentions good or our other deeds meritorious.