مَنْ أَنْظَرَ مُعْسِرًا، أَوْ وَضَعَ عَنْهُ، أَظَلَّهُ اللَّهُ فِي ظِلِّهِ
Translation: Whoever gives a debtor in hardship more time, or remits the debt, Allah will shelter that person in His shade.
Source: مسلم
أَنْظَرَ means “granted more time.” مُعْسِرًا is a person in financial hardship, here a debtor who cannot currently repay. وَضَعَ عَنْهُ means reducing or remitting the obligation. The word أَوْ connects two possible compassionate actions, and أَظَلَّهُ اللَّهُ states the reward.
A lender may have a legitimate claim, yet giving reasonable extra time to a genuinely distressed debtor, or waiving part or all of the debt when possible, is a serious act of mercy.