Abdullah bin Numayr عبد الله بن نمير · The Chapters on Charity

the Messenger of Allah (ﷺ) said: “Do not take back your charity.”

That during the time of the Messenger of Allah (ﷺ), a man pursued a debtor who owed him ten Dinar, and he said: “I do not have anything to give you.” He (the creditor) said: “No, by Allah, I will not leave you until you pay the debt or you bring me a guarantor.” Then he dragged him to the Prophet (ﷺ) and the Prophet (ﷺ) said to him: “How long will you wait?” He said: “One month.” The Messenger…

“On the night on which I was taken on the Night Journey (Isra), I saw written at the gate of Paradise: 'Charity brings a tenfold reward and a loan brings an eighteen fold reward.' I said: 'O Jibril! Why is a loan better than charity?' He said: 'Because the beggar asks when he has something, but the one who asks for loan does so only because he is in need.' ”