Yahya said that Malik said, "The person who puts up the principal must not stipulate that he has something of the profit alone without the agent sharing in it, nor must the agent stipulate that he has something of the profit alone without the investor sharing. In qirad, there is no sale, no rent, no work, no advance, and no convenience which one party specifies to himself without the other party sharing unless one party allows it to the other unconditionally as a favour and that is alright to both. Neither of the parties should make a condition over the other which increases him in gold or silver or food over the other party." He said, "If any of that enters the qirad, it becomes hire, and hire is only good with known and fixed terms. The agent should not stipulate when he takes the principal that he repay or commission anyone with the goods, nor that he take any of them for himself. When there is a profit, and it is time to separate the capital, then they divide the profit according to the terms of the contract. If the principal does not increase or there is a loss, the agent does not have to make up for what he spent on himself or for the loss. That falls to the investor from the principal. Qirad is permitted upon whatever terms the investor and the agent make a mutual agreement, of half the profit, or a third or a fourth or whatever." Malik said, "It is not permitted for the agent to stipulate that he use the qirad money for a certain number of years and that it not be taken from him during that time." He said, "It is not good for the investor to stipulate that the qirad money should not be returned for a certain number of years which are specified, because the qirad is not for a term. The investor loans it to an agent to use for him. If it seems proper to either of them to abandon the project and the money is coin, and nothing has been bought with it, it can be abandoned, and the investor takes his money back. If it seems proper to the investor to take the qirad loan back after goods have been purchased with it, he cannot do so until the buyer has sold the goods and they have become money. If it seems proper to the agent to return the loan, and it has been turned to goods he cannot do so until he has sold them. He returns the loan in cash as he took it." Malik said, "It is not good for the investor to stipulate that the agent pay any zakat due from his portion of the profit in particular, because the investor by stipulating that, stipulates fixed increase for himself from the profit because the portion of zakat he would be liable for by his portion of the profit, is removed from him. "It is not permitted for the investor to stipulate to the agent to only buy from so-and-so, referring to a specific man. That is not permitted because by doing so he would become his hireling for a wage." Malik spoke about an investor in qirad who stipulated a guarantee for an amount of money from the agent, "The investor is not permitted to stipulate conditions about his principal other than the conditions on which qirad is based or according to the precedent of the sunna of the Muslims. If the principal is increased by the condition of guarantee, the investor has increased his share of the profit because of the position of the guarantee. But the profit is only to be divided according to what it would have been had the loan been given without the guarantee. If the principal is destroyed, I do not think that the agent has a guarantee held against him because the stipulation of guarantees in qirad is null and void." Malik spoke about an investor who gave qirad money to a man and the man stipulated that he would only buy palms or animals with it because he sought to eat the dates or the offspring of the animals and he kept them for some time to use for himself. He said, "That is not permitted. It is not the sunna of the Muslims in qirad unless he buys it and then sells it as other goods are sold." Malik said, "There is no harm in the agent stipulating on the investor a slave to help him provided that the slave stands to gain along with him out of the investment, and when the slave only helps him with the investment, not with anything else."
قالَ يَحْيى: قالَ مالِكٌ: «لا يَنْبَغِي لِصاحِبِ المالِ أنْ يَشْتَرِطَ لِنَفْسِهِ شَيْئًا مِنَ الرِّبْحِ خالِصًا. دُونَ العامِلِ. ولا يَنْبَغِي لِلْعامِلِ أنْ يَشْتَرِطَ لِنَفْسِهِ شَيْئًا مِنَ الرِّبْحِ خالِصًا. دُونَ صاحِبِهِ. ولا يَكُونُ مَعَ القِراضِ بَيْعٌ، ولا كِراءٌ، ولا عَمَلٌ، ولا سَلَفٌ، ولا مِرْفَقٌ يَشْتَرِطُهُ أحَدُهُما لِنَفْسِهِ دُونَ صاحِبِهِ. إلّا أنْ يُعِينَ أحَدُهُما صاحِبَهُ عَلى غَيْرِ شَرْطٍ. عَلى وجْهِ المَعْرُوفِ. إذا صَحَّ ذَلِكَ مِنهُما. ولا يَنْبَغِي لِلْمُتَقارِضَيْنِ أنْ يَشْتَرِطَ أحَدُهُما عَلى صاحِبِهِ زِيادَةً، مِن ذَهَبٍ ولا فِضَّةٍ ولا طَعامٍ، ولا شَيْءٍ مِنَ الأشْياءِ. يَزْدادُهُ أحَدُهُما عَلى صاحِبِهِ. قالَ: فَإنْ دَخَلَ القِراضَ شَيْءٌ مِن ذَلِكَ، صارَ إجارَةً، ولا تَصْلُحُ الإجارَةُ إلّا بِشَيْءٍ ثابِتٍ مَعْلُومٍ، ولا يَنْبَغِي لِلَّذِي أخَذَ المالَ أنْ يَشْتَرِطَ، مَعَ أخْذِهِ المالَ، أنْ يُكافِئَ. ولا يُوَلِّيَ مِن سِلْعَتِهِ أحَدًا، ولا يَتَوَلّى مِنها شَيْئًا لِنَفْسِهِ، فَإذا وفَرَ المالُ. وحَصَلَ عَزْلُ رَأْسِ المالِ، ثُمَّ اقْتَسَما الرِّبْحَ عَلى شَرْطِهِما. فَإنْ لَمْ يَكُنْ لِلْمالِ رِبْحٌ. أوْ دَخَلَتْهُ وضِيعَةٌ. لَمْ يَلْحَقِ العامِلَ مِن ذَلِكَ شَيْءٌ. لا مِمّا أنْفَقَ عَلى نَفْسِهِ. ولا مِنَ الوَضِيعَةِ، وذَلِكَ عَلى رَبِّ المالِ فِي مالِهِ، والقِراضُ جائِزٌ عَلى ما تَراضى عَلَيْهِ رَبُّ المالِ، والعامِلُ مِن نِصْفِ الرِّبْحِ أوْ ثُلُثِهِ أوْ رُبُعِهِ أوْ أقَلَّ مِن ذَلِكَ أوْ أكْثَرَ» قالَ مالِكٌ: «لا يَجُوزُ لِلَّذِي يَأْخُذُ المالَ قِراضًا أنْ يَشْتَرِطَ أنْ يَعْمَلَ فِيهِ سِنِينَ لا يُنْزَعُ مِنهُ». قالَ: «ولا يَصْلُحُ لِصاحِبِ المالِ أنْ يَشْتَرِطَ أنَّكَ لا تَرُدُّهُ إلَيَّ سِنِينَ، لِأجَلٍ يُسَمِّيانِهِ. لِأنَّ -[٦٩٢]- القِراضَ لا يَكُونُ إلى أجَلٍ. ولَكِنْ يَدْفَعُ رَبُّ المالِ مالَهُ إلى الَّذِي يَعْمَلُ لَهُ فِيهِ، فَإنْ بَدا لِأحَدِهِما أنْ يَتْرُكَ ذَلِكَ. والمالُ ناضٌّ لَمْ يَشْتَرِ بِهِ شَيْئًا، تَرَكَهُ. وأخَذَ صاحِبُ المالِ مالَهُ، وإنْ بَدا لِرَبِّ المالِ أنْ يَقْبِضَهُ، بَعْدَ أنْ يَشْتَرِيَ بِهِ سِلْعَةً. فَلَيْسَ ذَلِكَ لَهُ، حَتّى يُباعَ المَتاعُ، ويَصِيرَ عَيْنًا، فَإنْ بَدا لِلْعامِلِ أنْ يَرُدَّهُ، وهُوَ عَرْضٌ، لَمْ يَكُنْ ذَلِكَ لَهُ. حَتّى يَبِيعَهُ، فَيَرُدَّهُ عَيْنًا كَما أخَذَهُ» قالَ مالِكٌ: «ولا يَصْلُحُ لِمَن دَفَعَ إلى رَجُلٍ مالًا قِراضًا، أنْ يَشْتَرِطَ عَلَيْهِ الزَّكاةَ فِي حِصَّتِهِ مِنَ الرِّبْحِ خاصَّةً، لِأنَّ رَبَّ المالِ، إذا اشْتَرَطَ ذَلِكَ، فَقَدِ اشْتَرَطَ لِنَفْسِهِ، فَضْلًا مِنَ الرِّبْحِ ثابِتًا. فِيما سَقَطَ عَنْهُ مِن حِصَّةِ الزَّكاةِ. الَّتِي تُصِيبُهُ مِن حِصَّتِهِ. ولا يَجُوزُ لِرَجُلٍ أنْ يَشْتَرِطَ عَلى مَن قارَضَهُ، أنْ لا يَشْتَرِيَ إلّا مِن فُلانٍ. لِرَجُلٍ يُسَمِّيهِ. فَذَلِكَ غَيْرُ جائِزٍ. لِأنَّهُ يَصِيرُ لَهُ أجِيرًا بِأجْرٍ لَيْسَ بِمَعْرُوفٍ» قالَ مالِكٌ: «فِي الرَّجُلِ يَدْفَعُ إلى رَجُلٍ مالًا قِراضًا. ويَشْتَرِطُ عَلى الَّذِي دَفَعَ إلَيْهِ المالَ الضَّمانَ، قالَ: لا يَجُوزُ لِصاحِبِ المالِ أنْ يَشْتَرِطَ فِي مالِهِ غَيْرَ ما وُضِعَ القِراضُ عَلَيْهِ، وما مَضى مِن سُنَّةِ المُسْلِمِينَ فِيهِ، فَإنْ نَما المالُ عَلى شَرْطِ الضَّمانِ. كانَ قَدِ ازْدادَ فِي حَقِّهِ مِنَ الرِّبْحِ مِن أجْلِ مَوْضِعِ الضَّمانِ. وإنَّما يَقْتَسِمانِ الرِّبْحَ عَلى ما لَوْ أعْطاهُ إيّاهُ عَلى غَيْرِ ضَمانٍ. وإنْ تَلِفَ المالُ لَمْ أرَ عَلى الَّذِي أخَذَهُ ضَمانًا، لِأنَّ شَرْطَ الضَّمانِ فِي القِراضِ باطِلٌ» قالَ مالِكٌ: فِي رَجُلٍ دَفَعَ إلى رَجُلٍ مالًا قِراضًا. واشْتَرَطَ عَلَيْهِ أنْ لا يَبْتاعَ بِهِ إلّا نَخْلًا-[٦٩٣]- أوْ دَوابَّ. لِأجْلِ أنَّهُ يَطْلُبُ ثَمَرَ النَّخْلِ أوْ نَسْلَ الدَّوابِّ. ويَحْبِسُ رِقابَها، قالَ مالِكٌ: «لا يَجُوزُ هَذا، ولَيْسَ هَذا مِن سُنَّةِ المُسْلِمِينَ فِي القِراضِ. إلّا أنْ يَشْتَرِيَ ذَلِكَ. ثُمَّ يَبِيعَهُ كَما يُباعُ غَيْرُهُ مِنَ السِّلَعِ» قالَ مالِكٌ: «لا بَأْسَ أنْ يَشْتَرِطَ المُقارِضُ عَلى رَبِّ المالِ غُلامًا يُعِينُهُ بِهِ. عَلى أنْ يَقُومَ مَعَهُ الغُلامُ فِي المالِ. إذا لَمْ يَعْدُ أنْ يُعِينَهُ فِي المالِ. لا يُعِينُهُ فِي غَيْرِهِ»