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Adapun kewajiban yang berlaku atas orang yang meminjam adalah sebagaimana disinggung oleh Allah SWT dalam Surat Az-Zumar ayat 10, yaitu berbuat ihsân atas pinjaman yang diberikan. Antara hasan dan ihsân terdapat “manajemen risiko” yaitu berupa istihsân sebagaimana disinyalir lewat penggalan ayat وأرض الله واسعة (Bumi Allah teram