In Islamic law, a guarantee ( ḍamān; also kafāla, ḥamāla , or zaʿāma ) is a contract in which one party, the creditor (al-maḍmūn lahu) , makes the other party, the guarantor (ḍāmin, kafīl, zaʿīm) , liable for the debt or obligation of a third party, the principal debtor ( al-maḍmūn bihi or al-maḍmūn ʿanhu ). The obligation may involve the payment of a debt, the delivery of an object (ʿayn maḍmūna) to a creditor, or insurance that a particular person presents himself to a creditor at a specific place and time. The parties