Does a mother's debt to her daughter for buying clothes for her count as usury?
A loan that leads to a stipulated benefit for the lender is usury (riba). Every condition that brings a benefit to the lender in a loan is forbidden, because it transforms the loan from an act of kindness and benevolence into an exchange that involves riba al-fadl (usury of surplus) and riba al-nasi'a (usury of delay). This stipulated benefit also includes what was not explicitly stipulated but was given by the borrower because of the loan. It is not permissible for the borrower to give the lender anything as a gift that was not customary before the repayment of the loan. However, if the benefit was not for the sake of the loan, then there is no harm in it.
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