The proper procedure is outlined in Surah 2:282-283 of the Noble Qur’an and can be summarized as follows: (1)Specifying the loan’s duration, determining the period within which the loan must be repaid. (2)Documenting the loan and its repayment timeframe in writing. (3)If someone other than the debtor is recording the loan, the debtor should provide the necessary loan details.(4) In case the debtor is unable to provide the details due to illness or other reasons, their guardian should act as their representative. (5)The loan should be witnessed by two men or one man and two women. (6)The lender has the right to request collateral as a guarantee for the loan, which will be held by the lender.