What is the ruling on borrowing

A: it is obligatory that you should repay that money, whether it is borrowed from a Muslim or a Kafir (disbeliever), an individual or an organization. It is not permissible to procrastinate over this. As for those whose whereabouts or addresses are unknown to you, you should give out their money as Sadaqah (voluntary charity) on their behalf. (Part No. 14; Page No. 162) Whenever they appear or you find their address, you should tell them what you did. If they agree, all praise be to Allah, otherwise you should give them their rights and you will be rewarded for the Sadaqah, as Allah (Glorified and Exalted be He) says (what means): So keep your duty to Allâh and fear Him as much as you can The Prophet (peace be upon him) also said: “Whatever I forbid you to do, avoid it, and whatever I command you to do, do as much of it as you can.” If you fell into dealing with Riba (usury) with any of them, you should perform Tawbah (repentance to Allah), ask Allah for forgiveness, and determine not to repeat it. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.