Última actualización: 2026-07-05
Cobrar interés a los amigos: ¿es haram?
Respuesta rápida
Sí, Cobrar interés a los amigos se considera Haram (prohibido) en el islam.
IsItASin · Última actualización: 2026-07-05
Sí, Cobrar interés a los amigos se considera Haram (prohibido) en el islam. Quran 2:275 — 'Allah has permitted trade and has forbidden interest.'
Lo que el islam enseña sobre Cobrar interés a los amigos
Según el islam, Cobrar interés a los amigos se considera Haram (prohibido).
La riba es haram sin excepción para los musulmanes: «Alá ha permitido el comercio y ha prohibido el interés» (2:275). Aplica entre amigos igual que entre bancos; el estándar profético para un amigo necesitado es el qard hasan: un préstamo que espera solo la devolución del capital, descrito en el Corán como un préstamo al propio Alá.
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The Study Quran
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Lo que el islam enseña sobre Cobrar interés a los amigos
Respuesta completa (en inglés) — El análisis detallado a continuación está disponible en inglés. Leer la versión completa en inglés →
Islam never unbanned riba. The Quran's ruling is categorical — 'Allah has permitted trade and has forbidden interest' (2:275) — and includes a declaration of war from Allah and His Messenger against those who persist (2:279), language the Quran uses nowhere else about commerce. The prohibition covers Muslim-to-Muslim and Muslim-to-anyone transactions alike, formal or friendly: charging a friend 5% on a personal loan is riba exactly as a bank rate is. The hadith extend liability to the scribe and witnesses (Muslim 1598) — the tradition is serious about not building riba's infrastructure. What Islam offers friends instead is the qard hasan, the 'goodly loan': lend the amount, expect the amount, and the Quran describes such lenders as lending to Allah Himself, 'who may multiply it for him many times over' (2:245) — the interest credited by God, not the borrower. Contemporary scholars add the practical wisdom that friendship-plus-debt corrodes relationships and that the Sunnah commends leniency: 'whoever relieves a believer's hardship, Allah will relieve his hardship on the Day of Resurrection.'
Referencias Coránicas
- Quran 2:275 — 'Allah has permitted trade and has forbidden interest.'
- Quran 2:245 — 'Who is it that would loan Allah a goodly loan (qard hasan) so He may multiply it for him many times over?'
- Sahih Muslim 1598 — The Messenger of Allah cursed the one who accepts riba, the one who pays it, the one who records it, and its two witnesses.
Qué deberías hacer
El análisis detallado a continuación está disponible en inglés.
- Write the terms down even between friends — clarity protects the friendship more than a handshake does.
- If a friend is in genuine need, prefer a gift, a free loan, or co-signed help over an interest arrangement.
- Muslim: Give the qard hasan — principal out, principal back; riba is forbidden at any rate, even among friends.
- All: If a loan has already strained a friendship, renegotiate forgiveness or repayment terms before you lose both the money and the friend.
Book of Repentance (Sahih Muslim)
The Prophet (peace be upon him) said Allah rejoices more when you return than a man who finds water in the desert. Islamic tradition holds that tawbah is always accepted for those who sincerely seek it.
Begin Your Tawbah — The Path Is Open →Preguntas frecuentes
El análisis detallado a continuación está disponible en inglés.
Can I charge my friend interest on a business loan?
This is where traditions genuinely diverge.
This is where traditions genuinely diverge. Islam still forbids riba and requires partnership-based structures instead.
What if we both just think of it as a business deal?
Labeling helps morally — honesty about the nature of the arrangement matters — but it does not override the religious rules.
Labeling helps morally — honesty about the nature of the arrangement matters — but it does not override the religious rules. Islam's riba ban applies regardless of mutual consent.
My friend can't pay me back — what now?
All three traditions counsel release over pressure.
All three traditions counsel release over pressure. The Quran says giving the debt entirely as charity 'is better for you' (2:280).
Temas relacionados
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