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HIWALAH, Delinquency of rich debtors is a form trangression, so if one of…

- - - - A replacement of a creditor with another creditor.
    - - Some Hanafi scholars
        
        The transfer of the right to demand (the debt) from the debtor to another liable person.
      - Other Hanafi scholars
        
        The transfer is not limited to the transfer of the right to demand but also includes the transfer of debt.
      - Majority of Muslim scholars
        
        The transfer of debt from one person (the debtor) to another person.