What is the interpretation of "Every loan that draws benefit is usury (riba)" in relation to a creditor to whom the debtor offers a gift or food, and is he considered sinful if he accepts it while unaware of its prohibition, and what is the expiation for that?

The jurists differed on the ruling regarding a borrower's gift to a lender before repayment:

1. Hanafis: There is no harm in it, but it is better for the lender not to accept it unless they know it is not given because of the loan. 2. Malikis: It is forbidden if the borrower intends for it to delay repayment, and it is forbidden for the lender to accept it. If there is no such intention, then it is disliked for the lender to accept it, especially if they are a role model. It is permissible if there was a prior custom of exchanging gifts between them or if a new reason for the gift arose. 3. Shafi'is: It is not disliked for the lender to take it without a condition, but abstaining from it is preferable. 4. Hanbalis: It is not permissible unless there was a customary practice between them before the loan, and it is permissible after repayment if it was not stipulated. They cited Prophetic hadiths and narrations from the Companions that prohibit accepting a gift if it is due to the loan, thus blocking the means to usury.

Conclusion: If the borrower's gift to the lender before repayment is without a condition, and there was a customary practice of exchanging gifts between them, then there is no harm in it according to the majority of scholars.