Ruling 2364 — Gratuitous Loan (ʿĀriyah)
It is not necessary that the parties say a particular formula (ṣīghah) [for a gratuitous loan agreement to be valid (ṣaḥīḥ)]. For example, if a person gives clothing to someone with the intention (qaṣd) of a gratuitous loan and the latter accepts it with the same intention, it is valid.
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