Dernière mise à jour: 2026-07-05
Facturer des intérêts à ses amis : est-ce haram ?
Réponse rapide
Oui — Facturer des intérêts à ses amis : Haram (interdit) selon l'islam.
IsItASin · Dernière mise à jour: 2026-07-05
Oui — Facturer des intérêts à ses amis : Haram (interdit) selon l'islam. Quran 2:275 — 'Allah has permitted trade and has forbidden interest.'
Ce que l'islam enseigne sur Facturer des intérêts à ses amis
Selon l'islam, Facturer des intérêts à ses amis : Haram (interdit).
Le riba est haram sans exception pour les musulmans : « Allah a autorisé le commerce et interdit l'intérêt » (2:275). Cela vaut entre amis autant qu'avec les banques ; le standard prophétique pour un ami dans le besoin est le qard hasan — un prêt dont on n'attend que le principal, décrit dans le Coran comme un prêt à Allah Lui-même.
Vous vous demandez ce qu'enseignent les autres religions ?
The Study Quran
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Ce que l'islam enseigne sur Facturer des intérêts à ses amis
Réponse complète (en anglais) — L'analyse détaillée ci-dessous est proposée en anglais. Lire la version anglaise complète →
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.'
Références Coraniques
- 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.
Ce que vous devriez faire
L'analyse détaillée ci-dessous est proposée en anglais.
- 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 →Questions fréquentes
L'analyse détaillée ci-dessous est proposée en anglais.
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).
Sujets liés
Avertissement : IsItASin.org propose des synthèses d'information sur les enseignements religieux de plusieurs traditions. Il ne s'agit pas d'un conseil religieux. Pour un accompagnement spirituel personnel, consultez un guide religieux qualifié de votre tradition.