Ayahs 2:282–283The Qur'anic injunctions on Loan
An important principle of the Law of Dealings, or the Law of Contracts in modern legal terminology, has been taken up in the verses appearing above. Following this, appears a specific principle of the general rules of evidence.
These are times when writing is the rage. The written word has taken the place of human speech but think of the days of fourteen hundred years ago when almost the entire business of the world was conducted verbally. The principle of writing and retaining documents did not just exist. It was the Qur'an which first pointed out to its importance and said:
إِذَا تَدَايَنتُم بِدَيْنٍ إِلَىٰ أَجَلٍ مُّسَمًّى فَاكْتُبُوهُ
When you transact a debt payable at a specified time, put it in writing. Two principles have been stated here. These are:
1. A written document should be prepared while concluding a transaction on deferred payment basis, so that it may be availed of in cases of error or refusal.
2. While making a transaction on deferred payment basis, it is necessary that the due date of its payment should be determined. It is not permissible to defer the payment for an indefinite period of time because this can open the doors of dispute. This is why the Muslim Jurists have stressed that the time limit so set should not have any ambiguity at all. It should specify the exact date and month. There should be nothing vague about it, for instance, the time of the harvesting of crops cannot be fixed, because the time of harvesting may vary subject to weather conditions. Since writing was not common in those days (and even after writing has become so common, the majority of world population is the same as does not know how to write), it was possible for the scribe of the agreement to write down what was not intended, thereby causing undue loss or gain to one or the other party. Therefore, it was said:
وَلْيَكْتُب بَّيْنَكُمْ كَاتِبٌ بِالْعَدْلِ
And let a scribe write it between you with fairness.
Firstly, the instruction given here requires that the scribe should not be prejudiced in favour of one of the parties. On the contrary, he should be impartial so that there remains no scope for doubt or concern for anyone. Secondly, the scribe was instructed to write justly. Let him incur no permanent loss on himself by working for the vanishing gain of others. After that, the attention of the scribe has been drawn to the fact that Allah Almighty has given him the ability to write, for which he can show his gratefulness by not refusing to write.
As to who should initiate the writing of the document, it was said:
وَلْيُمْلِلِ الَّذِي عَلَيْهِ الْحَقُّ
And the one who owes should give the dictation,
For instance, if a person has made a purchase on credit, then he is the one who should dictate the entries of the document because this will be a written agreement on his behalf. In order to offset the possibility of any addition or deletion in the written document, it was said:
وَلْيَتَّقِ اللَّـهَ رَبَّهُ وَلَا يَبْخَسْ مِنْهُ شَيْئًا
But he must fear Allah, his Lord, and should not curtail any-thing from it.
Sometimes, it happens that the person incurring debt is fickle-minded, or superannuated in age, or a minor, or mute, or the speaker of a language not known to the scribe. Since such a person does not have the ability to dictate a document, it was said that, in a situation like this, his wali ولی or guardian should dictate the written agreement. The need for a guardian in respect of the insane and the minor is obvious since all their affairs are handled through a guardian. The guardian of the mute, or the speaker of the language unknown to the scribe could also do this, and should he make somebody his representative, it would still be possible. Here, the word, 'wali' ولی in the Qur'an covers both meanings.
The rules of witnessing
Upto this point the statement was limited to the writing or dictating of documents in transaction. Later on, it is enlarged by saying that the writing of the document should riot be taken as sufficient. It should rather have witnesses as well so that, in case there is a dispute, the appearance of witnesses in the court could help resolve it. This is why the Muslim jurists, may Allah's mercy be upon them, have said that simple writing of an agreement is not a conclusive proof in the sight of Islamic Shari'ah. Unless there is an oral evidence of witnesses, as approved by the Shari'ah, on the agreement, no decision could be taken on simple writing. Common courts of today also follow the same practice when they do not take a decision unless there is a verbal evidence to prove the document.
The number of witnesses
Now follow some important rules of evidence:
1. It is necessary according to Islamic rules of evidence that there be two men, or one man and two women. One man alone, or only two women are not sufficient witnesses in common dealings.
The qualifications of witnesses
2. The witnesses should be Muslims. The Qur'anic expression: مِن رِّجَالِكُمْ 'from among your men' points out in this direction.
3. The witnesses should be trustworthy and just whose word could be relied upon. They should not be sinners and liars. This injunction is contained in مِمَّن تَرْضَوْنَ مِنَ الشُّهَدَاءِ : from those witnesses you are pleased with.'
Refusing the act of witnessing is a sin
After that, the Holy Qur'an directs the people that they should not refuse to be witnesses when it is required from them, since evidence is the way to revive truth and the method to resolved disputes. Even if there is a trouble in giving evidence, it should to be tolerated, taking it as a national duty. Following that, emphasis was laid on writing down the document of deeds. It was said that the agreement, big or small, should invariably be written down: 'And, be not loath to write it down, as payable at its time, no matter how short or long.' Of course, if there is a hand-to-hand transaction, not involving any debt, it could be left unwritten. However, as a precautionary measure, two witnesses should be taken to confirm the agreement anyway, just in case there arises a dispute between the parties concerned. For instance, the seller may say that the price was not received, or the buyer may charge that he did not receive everything he bought. Evidence of witnesses will serve well in deciding this dispute.
Witnesses should not suffer
When the verse began, scribes were instructed not to refuse writing or testifying agreements. In this case, it was possible that people would give them more trouble than necessary.. Therefore, it was said towards the end of the verse:
وَلَا يُضَارَّ كَاتِبٌ وَلَا شَهِيدٌ
And neither scribe nor witness should be harmed.
It means that, in order to protect one's own rights and benefits, one should not disturb the rights and benefits of others. Then it was said:
وَإِن تَفْعَلُوا فَإِنَّهُ فُسُوقٌ بِكُمْ
And if you do, it is certainly a sin on your part.'
This tells us that causing harm to the scribe or the witness is prohibited. For this reason, the Muslim jurists have said that the scribe who demands his wages while writing, or the witness who claims his legitimate two-way conveyance allowance, are entitled to get it as a matter of their right. Not paying these dues is included under the scope of harming them, and is, therefore, impermissible. No doubt, under its system of justice, Islam has forced the witnesses to appear in court, and has made the concealment of evidence a grave sin; but at the same time, the other side of the picture has also been duly taken care of, so that people are not made to stay away from testifying. It was the effect of this two-way precaution that truthful and selfless witnesses were available in every case, and cases were decided easily and quickly true to the demands of justice. When the modern world bypassed this Qur'anic principle, the whole court system went to pieces. Real and true witnesses in cases became virtually extinct. Everyone was compelled to shy away from appearing as a witness. The reason is simple. Being identified as a witness means trouble. If the case involves the police and a crime, the chief of the police station would call the witness everyday and any time, and on occasions, would have him sit there for hours. Even in civil courts, the witness is treated as if he was some sort of criminal. Then the dates of the case keep changing endlessly. New dates are given on which the poor witness is bound to come leaving his business, job and needs. If he fails, the threat of an arrest-warrant hangs over his head. Therefore, every decent person engaged in earning his livelihood has been forced to take the appearance in court as punishment for no crime of his, and therefore, he has been left with no choice but to avoid it as far as he can. Professional witnesses are all you get and they make no distinction between the lie and the truth. The Holy Qur'an, after emphasizing these basic ingredients, helps eliminate these malpractices by saying at the end of the verse:
وَاتَّقُوا اللَّـهَ ۖ وَيُعَلِّمُكُمُ اللَّـهُ ۗ وَاللَّـهُ بِكُلِّ شَيْءٍ عَلِيمٌ
And fear Allah. And Allah teaches you. And Allah is All-Knowing in respect of everything.
It will be noted that this verse carries many injunctions. Some Muslim jurists have deduced twenty important juristic rulings from this verse. We should also keep in mind the recurring style of the Qur'an whereby, before and after giving a particular law, it creates an inner impulse to follow Divine injunctions by introducing the fear of Allah and the fear of the Day of Retribution. It is in accordance with this method that the verse was concluded with an exhortation to fear Allah and to remember that there is nothing hidden from Him. If you try any contravention, under any impermissible pretext whatsoever, you will still remain unable to cheat Allah.
The second verse takes up the following two subjects:
1. In cases involving a credit deal, it is quite permissible for a person to keep something as mortgage to secure his debt. But the Qur'anic word مَّقْبُوضَةٌ (taken in possession) indicates that deriving any benefit out of the thing mortgaged is not permissible for him. The only right the mortgagee has is to keep the thing in his possession until the time when his debt is cleared. Any benefit that accrues from it rightfully belongs to the original owner.
2. Secondly, it was said that the person who knows the correct situation in a disputed matter should not withhold his testimony. If he does withhold it, his heart is a sinner. The heart has been identified as the sinner because somebody might think his sin was restricted to the tongue (which failed to speak up). But it was in the heart that he first decided to do what he did and therefore, the sin of his heart comes first.
Ayah 2:284Commentary
The earlier verse mentioned the injunction to reveal evidence and forbade its concealment. This verse is also a complement of the same subject. Here, warning has been given that it is haram (unlawful) to conceal evidence. 'If you concealed the truth of a matter knowingly, your Lord who is all-Knowing and all-Aware, will make you account for it' - this interpretation of the verse has been reported from Sayyidna Ibn ` Abbas, ` Ikrimah, Sha'bi and Mujahid ؓ (Qurtubi).
Taken in the general sense of the words, this verse is universal, and covers all articles of faith, modes of worship and mutual dealings (I` tiqadat اعتقادات ، ` Ibadat عبادہ and Mu` amalat معاملات ). This is exactly what Sayyidna ` Abdullah ibn ` Abbas ؓ has said in his well-known commentary on this verse.
The verse means that Allah Almighty will make all His created beings give an account of all their deeds. It will include deeds they have actually done, and those they were determined to do but kept them secret in their hearts and were never able to do. This conforms to the report of Sayyidna Ibn ` Umar ؓ appearing in Sahih al-Bukhari and Muslim: 'I have heard from the Holy Prophet ﷺ that the believer will be drawn near his most exalted Lord when Allah Almighty will make him recall his sins one by one and will ask him if he knew that he had committed those sins. The believer will confess. Allah Almighty will say: 'I concealed your sins in the life of the world and never allowed this to be known to others. Today, I forgive that.' He will be given the Book of Good Deeds, while the sins committed by disbelievers and hypocrites will be announced before everybody.
It appears in another hadith that Allah Almighty will say on the day of Doom (Qiyamah): 'This is the Day when hidden things will be surveyed and secrets concealed in hearts will be laid out in the open. And (forget not that) My angels charged with writing down your deeds wrote down only those visible on the outside, and I know what angels do not know, nor did they write those in your Book of Deeds. Now I tell you all about it and ask you to stand' and answer. I shall forgive anyone I will and I shall punish anyone I will.' True believers will then be forgiven and the disbelievers (kuffar کُفَّار) will be punished. (Qurtub)
Here a doubt may arise in view of the hadith in which the Holy Prophet ﷺ has been reported to have said:
اِن اللہ تجاوز عن امتی عما حدثت انفسھا مالم یتکلموا او یعملوا بہ
Allah Almighty has forgiven my ummah all that they thought of in their hearts unless they said or did it.
It shows that there is no punishment or wrath on the volition of the heart. Imam al-Qurtubi (رح) has said that this hadith relates to the worldly effects of an act. Divorce, freeing of slaves, sales, and gifts are not authentically concluded by a simple volition of the heart unless they are done verbally or practically. Since the verse refers to the effects of an act appearing in the Hereafter, there is no contradiction here. However, other ` ulama' have answered this doubt by saying that the hadith, in which forgiveness of things hidden in the heart has been mentioned, refers to the involuntary thoughts that enter the human heart without volition; in fact, they would still keep coming even if one tried to stop them. Allah Almighty has forgiven such involuntary thoughts for this ummah. The accounting that has been identified in the above-mentioned verse relates to what man intends and proposes with his choice and volition. It means that he not only nurses these in his heart, but also tries to put into them in practice. It does not matter if he is unable to act upon them due to accidental causes. He will still have to account for these firm intentions on the Day of Doom (Qiyamah). There from things rest with Allah Almighty. He, in His grace, may then forgive anyone He wills and punish anyone He wills, as it has already appeared in the hadith of al-Bukhari and Muslim referred to above.
Since a surface view of the words used in the verse under discussion includes both kinds of thoughts, be they voluntary or involuntary, the noble Companions got extremely worried when this verse was revealed. They asked themselves if involuntary thoughts too became subject to accounting and censure, who could escape and stay safe? When they carried their anxiety to the Holy Prophet ﷺ ، he instructed them all to firmly resolve to obey and act in accordance with the Divine imperatives, and say سَمِعْنَا وَأَطَعْنَا that is, we heard, and we obeyed. The noble Companions, may Allah be pleased with them all, did exactly what they were told to do, upon which the following statement of the Qur'an was revealed:
لَا يُكَلِّفُ اللَّـهُ نَفْسًا إِلَّا وُسْعَهَا :
Allah burdens not anyone beyond his or her capacity.
This verse clarified that involuntary thoughts will not be subjected to accounting and censure. This gave the noble Companions their peace of mind. This hadith has been reported in Sahih Muslim on the authority of Sayyidna Ibn ` Abbas ؓ (Qurtubi). The whole verse is coming next.
According to al-Tafsir al-Mazhari, out of the deeds made fard فرض (obligatory) or haram (unlawful) for human beings, some have a physical aspect. Included there are Salah, Sawm صوم ، Hajj and all dealings. Then there are injunctions and deeds that relate to man's heart, his inner dimension, his batin باطن . Everything concerning matters of belief and articles of faith ('Iman ایمان and I` tiqad اعتقاد ) belongs right there. As for kufr کفر and shirk شرک ، disbelief and polytheistic associationism, they are most unlawful and impermissible; and these too belong to the human heart. Also related to the heart are good morals, such as, humility, patience, contentment, generosity and many more. Similar is the case of bad morals, such as, arrogance, envy, grudge, greed and the craze for worldly gains and others of their kind. All these are absolutely haram (unlawful) in a certain degree. They too do not relate to man's outward physique - his limbs, his body parts. They belong to the heart, to the batin باطن ، the inner dimension.
In this verse, it has been made known that the way an accounting of outward deeds will be taken in Qiyamah, very similarly, inward deeds too will have to be accounted for. Even unintentional sins will be called to account. The placement of this verse at the end of Surah al-Baqarah has great wisdom behind it because Surah al-Baqarah is such an important and consequential Surah of the Holy Qur'an, that a fairly large part of Divine injunctions appears in it. It gives important fundamental and subsidiary instructions regarding life in this world and in the life to come. Then it holds within its fold details concerning Salah, Zakah, Sawm صوم ، Qisas قصاص (even retaliation), Hajj, Jihad, Taharah طہارہ (prescribed state of purity), Talaq (divorce), ` Iddah (waiting period), Khul' (divorcement sought by wife), Rad'ah (suckling), unlawfulness of liquor and interest and methods which are permissible or impermissible in matters of loans and deals. It is for this reason that, in hadith, this Surah has also been called (Sinam al-Qur'an: the highest peak of the Qur'an).
Let us bear in mind that ikhlas or pristine sincerity is the essence behind what we do in carrying out all these injunctions. In other words, doing something or abstaining from something should both be for nothing but the pleasure of Allah Almighty. On no account should these be tainted with a desire for public recognition or some other selfish motives. It is obvious that ikhlas (sincerity) is related to human heart, the batin. If ikhlas is there, everything comes out right. It was for this reason that man was warned through this verse at the end of the Surah, by telling him that, in carrying out obligations or in abstaining from the prohibited, it was quite possible to dodge people around, to find an excuse and to get away with it. But, Allah Almighty is Alim العلیم and Khabir الخبیر (All-Knowing and All-Aware). Nothing is hidden from Him. Therefore, let one do what one must but let him be sure that there is someone there - his Raqib and Hafiz, the One Who is watching and guarding over him, and Who is recording all that is happening to him, externally and internally, and a full accounting of which has to be given on the day of Resurrection. The noble Qur'an, by cultivating this unique spirit in human beings, has posted on human hearts a sentry on guard, in the form of the fear of Allah and the concern of the Hereafter. So, before and after every law, the sentry whistles, as a result of which, they are scared of breaking any Divine Law even in the darkness of nights and the privacy of homes.
Ayah 2:285Commentary
These are the last two verses of Sarah al-Baqarah. Great merits have been attributed to these two verses in authentic ahadith. The Holy Prophet ﷺ has said that one who recites these two verses during the night, they will be sufficient for him.
As narrated by Sayyidna Ibn ` Abbas ؓ ، the Holy Prophet ﷺ said that Allah Almighty has sent forth these two verses out of the treasures of Paradise and the 'Rahman' رحمان had already written them by His own hand two thousand years earlier than the creation of all things and beings. One who is able to recite them after the Salah of ` Isha', they will stand for Tahajjud in his case. As it appears in the Mustadrak of al-Hakim and in Bayhaqi, the Holy Prophet ﷺ said that Allah Almighty has concluded Sarah al-Baqarah with these two verses, which have been given to me in His grace from out of the special treasure that lies under the ` Arsh عرش (Divine Throne). Therefore, you should make special effort to learn these verses, and at the same time, teach your women and children how to recite them. This is why Sayyidna ` Umar and Sayyidna ` Ali ؓ ، said that they thought that anybody who has any sense in him would never go to sleep without having recited these two verses.
Meaning-wise, these verses have many special features. One of the distinct ones is that they come at the end of Sarah al-Baqarah where most of the injunctions of Shari` ah appear briefly, or in detail, such as, those dealing with the articles of faith, modes of worship, mutual dealings, morals and social living etc. Here, the first of the two verses opens with words of praise for the Muslims who are true and obedient, those who said yes with all their heart to all injunctions ordained by Allah, and were all set to carry them out. In addition to being an assertion of Allah's infinite mercy, the second verse also answers the doubt which started bothering the noble Companions when verse 284, the one preceding these two, was revealed. The words of the said verses, as mentioned earlier briefly, were: وَإِن تُبْدُوا مَا فِي أَنفُسِكُمْ أَوْ تُخْفُوهُ يُحَاسِبْكُم بِهِ اللَّـهُ , that is, whether you manifest that which is in your hearts, or conceal it, Allah will call you to account for it. Here the verse was actually referring to the accounting of whatever one does with his or her choice and volition. Unintentional thoughts and errors were just not included under its purview. However, the words of the Qur'an were general because of which people surmised that man will be taken to account even for thoughts that entered his mind without his intention. Nervously excited, the noble Companion presented themselves before the Holy Prophet g and said: ia Rasool Allah, till now we thought that we shall be called to account for only those deeds that we do with our will and choice, and we shall not be called to account for thoughts that cross our minds involuntarily. But this verse seems to tell us that every thought that enters our minds will be subject to accounting. This way it is extremely difficult to escape punishment.' Although, the Holy Prophet g knew the correct intended meaning of the verse but he, in view of the generality of its words, did not elect to say anything on his own. Instead, he waited for the Wahy وحی (revelation) and instructed the Companions that they should obey whatever Allah Almighty ordains for them. It may be easy or difficult to carry out, but it is not the way of a true Muslim to show the slightest of hesitation in accepting Allah's command when it comes. As soon as you hear the command of Allah, say: سَمِعْنَا وَأَطَعْنَا ۖ غُفْرَانَكَ رَبَّنَا وَإِلَيْكَ الْمَصِيرُ , that is, We have listened, and obeyed. Our Lord, Your pardon! And to You is the return'.
The noble Companions ؓ did exactly what they were told by the Holy Prophet ﷺ ، although their minds were still ticking with the apprehension that building a security shield against involuntary intrusions of thoughts was enormously difficult indeed! Thereupon, Allah Almighty revealed these last two verses of Surah al-Baqarah. Here the first one praises Muslims while the other gives a correct explanation of the verse that created doubt in the minds of the noble Companions. Now let us look at the words of the first verse. These are:
آمَنَ الرَّسُولُ بِمَا أُنزِلَ إِلَيْهِ مِن رَّبِّهِ وَالْمُؤْمِنُونَ ۚ كُلٌّ آمَنَ بِاللَّـهِ وَمَلَائِكَتِهِ وَكُتُبِهِ وَرُسُلِهِ لَا نُفَرِّقُ بَيْنَ أَحَدٍ مِّن رُّسُلِهِ ۚ وَقَالُوا سَمِعْنَا وَأَطَعْنَا ۖ غُفْرَانَكَ رَبَّنَا وَإِلَيْكَ الْمَصِيرُ ﴿285﴾
The Messenger has believed in what has been revealed to him from his Lord, and the believers as well. All have believed in Allah and His angels and His Books and His Messengers. "We make no division between any of His Messengers," and they have said: "We have listened, and obeyed. Our Lord, Your par-don! And to You is the return."
The first seven words of this verse admire the Holy Prophet ﷺ . It may be noted that the verse does not address him by his name, but, by calling him Rasul', his honour and dignity have been made clear. The word, 'the believers' follows immediately after that. It means that just as the Holy Prophet ﷺ firmly believes in the revelation (Wahy وحی) from Allah, so do the true Muslims in general. The style chosen for this sentence is also worth consideration. The major part has been used to describe the state of the 'iman (belief) of the Holy Prophet ﷺ ، then, the 'iman ایمان (belief) of the general Muslims has been described separately. This indicates that, although the Holy Prophet and all Muslims share in the wealth of 'iman ایمان as such, still there is a great difference between the two in terms of the relative degrees of 'iman ایمان . The knowledge of the Holy Prophet ﷺ is based on seeing and hearing while the knowledge of other Muslims takes the form of 'iman bi l'ghayb ایمان بالغیب or 'believing without seeing' as based on the 'ru'yat' or 'seeing' of the Holy Prophet ﷺ .
After that come details of the 'irnan (belief) which was common between the Holy Prophet ﷺ and the Muslims in general. This 'iman consisted of the belief that Allah Almighty does exist and that He is One and that He is endued with all the perfect attributes, and that there are angels, and that all Scriptures and all Messengers sent by Allah are true.
After that it was clearly stressed that the 'believers' of this ummah (Muslim community) will do nothing as was done by past communities when they planted seeds of discord among messengers of Allah by accepting some as prophets and by denying that status to others. The Jews accepted that Sayyidna Musa (علیہ السلام) was a prophet, the Christians accepted that Sayyidna ` Isa (علیہ السلام) was a prophet, but that the Last of the prophets, Sayyidna Muhammad ﷺ was a prophet was not accepted by them.
Praised here is the distinction of this umrnah which is made of people who do not reject any prophet. This is followed by words of admiration for what the noble Companions had said when so directed by the Holy Prophet ﷺ :
سَمِعْنَا وَأَطَعْنَا ۖ غُفْرَانَكَ رَبَّنَا وَإِلَيْكَ الْمَصِير
We have listened, and obeyed. Our Lord, Your pardon! And to You is the return.
Ayah 2:286After that comes the second verse where the doubt, which could have risen during the comprehension of some sentences in the previous verse, has been removed in a style that is very special. It will be recalled that the question was as to how one would escape punishment if thoughts concealed in hearts were also made subject to accounting. It was said: لَا يُكَلِّفُ اللَّـهُ نَفْسًا إِلَّا وُسْعَهَا :'Allah burdens not anyone beyond his or her capacity.' Therefore, thoughts that enter the heart without one's intention and control and are not translated into action, stand all excused in the sight of Allah Almighty. Deeds, that are undertaken with choice and volition will be the only ones apprehended and called to account.
A little detail will show that there is an outward aspect of human deeds which concerns what is done with the hand, head, eye, tongue and other parts of the body. This is further divided into two kinds. The first reflects what is done with choice and volition. This is voluntary, such as, to speak by choice or to beat somebody by choice. The second kind is involuntary, that which just issues forth without choice or volition, for instance, saying something other than what one actually intended to say, or a palsied hand moving unintentionally caused pain to somebody. Here everyone knows that accounting and retribution, reward and punishment are particularly related to voluntary deeds. As far as non-voluntary deeds are concerned man is neither obligated nor constrained therein, and certainly, there is no ثواب thawab (reward) or عذاب ` adhab (punishment) on them.
Similarly, the deeds relating to one's heart are also of two kinds. The first one is voluntary, for instance, the belief in کفر kufr and shirk شرک ، which one has. Implanted firmly in one's heart with intention and choice, or the arrogance one assumes as a result of conscious and wilful self-pride, or the making of firm resolution to start drinking. The second kind is the non-voluntary, for instance, the entry of some evil thought in one's heart without volition and intention. Here too, the accounting, the reckoning and the reprehensibility covers voluntary deeds only, and does not cover non-voluntary deeds.
By this explanation given by the Qur'an itself, peace was restored in the hearts of the noble Companions. They were satisfied that there was no accounting, reckoning, punishment or reward on non-voluntary thoughts. The same subject has been further clarified towards the end by saying: لَهَا مَا كَسَبَتْ وَعَلَيْهَا مَا اكْتَسَبَتْ that is, man is rewarded for what he intends to do and is punished for what he elects to do.
But it should be borne in mind that the drive of the meaning of this verse is that, one will initially face direct reward or punishment for what is done with intention and volition. However, the indirect coming of reward or punishment after any such deed which was not intended is not contrary to this. This provides an answer to the doubt that there are times when man faces reward or punishment even without intention and volition. In this context, several other verses of the Qur'an and many reports from ahadith prove that one who does something good which persuades others to act similarly, then its reward will continue reaching the original doer of the good deed as long as the later followers of the original deed continue with their good deeds. Similar is the case with one who gives currency to an evil way; he too will be incurring its curse as the original innovator of this evil way when later people follow him, and keep getting involved with the sin for all times to come.
Similarly, narrations in hadith prove that one can transmit the reward of one's good deeds to any other person. It is clear that in all these situations, man is receiving reward or punishment without intention and volition.
Here is an answer to this doubt. It is obvious that this reward and punishment did not reach a person directly, but it reached him through the medium of another person. In addition to that, one's own act and choice do surely play a role in making another person a medium of thawab ثواب for oneself. The reason is that whoever adopts a good or evil way initiated by someone, then in his doing, there certainly is a role played by the voluntary act of the original person, even if he did not intend to release such particular effect. Similar is the case of a person who does his isal al-thawab ایصال الثواب (the prayer for transmittal of reward) for somebody only when he has done him some favour. In view of this, the said reward and punishment of somebody else is, in reality, the reward and punishment of one's own deeds.
The noble Qur'an, towards the far end, teaches Muslims to make a special du` a or prayer in which forgiveness has been sought on commission of some act because of forgetfulness or neglect or mistake. It was said:
رَبَّنَا لَا تُؤَاخِذْنَا إِن نَّسِينَا أَوْ أَخْطَأْنَا
Our Lord, do not hold us accountable, if we forget or make a mistake.
Then it was further said:
رَبَّنَا وَلَا تَحْمِلْ عَلَيْنَا إِصْرًا كَمَا حَمَلْتَهُ عَلَى الَّذِينَ مِن قَبْلِنَا ۚ رَبَّنَا وَلَا تُحَمِّلْنَا مَا لَا طَاقَةَ لَنَا بِهِ
Our Lord, do not place on us a burden such as You have placed on those before us. And our Lord, do not make us bear that for which we have no strength.
Indicated here are the severe restrictions placed on the Bani Isra'il (Israelites), such as, a piece of cloth could not be made fully pure unless cut or burnt, or that repentance could not be accepted without killing. Alternately, it could mean that punishment should not visit us as it visited the Bani Isra'il following their evil deeds.
In short, Allah Almighty bestowed His best when He promised the acceptance of all these prayers through His Rasul ﷺ ، the last among the prophets, may the peace and blessings of Allah be upon him.
و للہ الحمد اول و آخرہ و ظاہرہ و باطنہ و ھو المستعا