The basis for stipulating that wealth given as Qard be known is to enable the borrower to return a similar substitute of the wealth of Qard.

The basis for the rule that the borrower does not come to own the wealth lent except through possession is that the contract of Qard is one in which commutative aspect and that of donation stand combined, however, the act of donation is predominant. It is for this reason that the rule is similar to that for gift (Hibah) in which ownership is transferred with the taking of possession.

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