Qard al-Hasan: Loan without profit
is a loan without profit. The borrower is required to repay only the principal amount borrowed but may pay an extra amount as a token of appreciation at the borrower’s absolute discretion. Qard contracts can also be used to support current accounts, in which customers lend the money to the bank. The bank generates proft on this loan and returns the capital and some of the proft it has obtained.