O believers , when you negotiate a debt for a fixed term , draw up an agreement in writing , though better it would be to have a scribe write it faithfully down ; and no scribe should refuse to write as God has taught him , and write what the borrower dictates , and have fear of God , his Lord , and not leave out a thing . If the borrower is deficient of mind or infirm , or unable to explain , let the guardian explain judiciously ; and have two of your men to act as witnesses ; but if two men are not available , then a man and two women you approve , so that in case one of them is confused the other may prompt her .