Three sources of economic support: voluntary aid, obligatory zakat, and the good loan

Sha'rawi holds that Islam built economic life on three things: pure voluntary giving, obligatory zakat, and the good loan ¹.

He says that a person in need who finds neither voluntary aid nor obligatory zakat turns to the loan. This is why he holds that the loan's reward is greater than charity's, since the lender stays attached to his money and earns reward for each act of patience with the debtor ^{2 3}.

He holds that documenting debt protects the fruit of the earner's work, so that work is not despised, and protects the debtor from himself, since a documented debt makes him strive to repay ^{3 4}.

This three-part scheme is Sha'rawi's framework and has not been checked against works of fiqh or Islamic economics. The academic view and any non-Sunni view have not been checked.