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INTENSITY MARKERS:
[M] = Fard / Wajib (Obligatory — must do)  |  [1] = Sunnah Mu'akkadah / Highly Recommended  |  [2] = Sunnah / Recommended  |  [3] = Mustahab / Virtuous / Commendable  |  [H] = Haram (Forbidden — must not do)  |  [h] = Makruh (Discouraged — should not do)  |  [P] = Mubah (Permissible — neutral)

✅ What to Do

[2]Avoid debt when possible.
[M]Repay debts on time in full.
[1]Write debts with witnesses. (Qur'an 2:282)
[1]Be lenient with struggling debtors. (Muslim 1558)
[2]Forgive debt entirely — great charity.
[3]Give qard hasan (interest-free loan).

🚫 What Not to Do

[H]Borrow with intention not to repay. (Bukhari 2397)
[H]Charge interest.
[H]Delay repayment when you have means. (Bukhari 2400)
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