The gracious repayment or settlement of loan/debt (qard). That means repaying a loan in excess of the principal (face value, asl al-qard) without stipulating this as a precondition in the contract. In this case, the payment of excess amount is not considered riba because it is left for the debtor’s sole discretion. Therefore, it should not be adopted as an ‘urf or customary business practice in which a creditor, lender or an investor will always expect receiving some reward or compensation on the debt (dain/ dayn).

In general, it refers to the gracious fulfillment of contractual obligations (on terms better than those set out in the contract).