Funds provided as a loan the best form of charity.

Debt (loan) is a remarkable form of interaction that can bring both benefit and prosperity to society, as well as poverty, socio-economic problems, and other negative consequences.

Let us note here the particularly important points so that a loan agreement equally and impartially observes the rights of both parties to the transaction and brings welfare and prosperity to society.

A loan (debt) is nothing other than a form of assistance to someone in need, without any profit for the lender. The lender has the right to take collateral to collect the debt if there are doubts about its timely repayment.

If the debt is given in the ordinary official currency of any country, then the debt amount is valued in precious metals (for example, in gold) or commodities, so that the lender does not suffer losses from inflation.

Adding interest, penalties, fines, or anything else to the loan agreement that makes the repayment amount greater than the sum received by the borrower is not permitted, since this would violate the borrower's rights.

The selfless provision of funds as a loan is considered the best form of charity, since it develops business and the economy, strengthens social bonds, mutual understanding between different classes of people, friendship, and mutual support - healing and strengthening communities, nationalities, peoples, and consequently society as a whole.

In lending funds while observing the rights of both parties, the possibility of the lender obtaining profit is excluded.

Thus, capital for profit-making is directed not into debts, but into business, investments, and innovation, creating value, jobs, ensuring scientific progress and sustainable development.