Allah needs money!
While everything belongs to God and He doesn’t depend on His creation for anything , when we look at Islamic teachings we see Allah is in fact very needy. Allah needs a loan!
“Who is he that will lend God a good loan, and He will multiply it for him manifold? God grasps, and outspreads; and unto Him you shall be returned.” s2:245
“Who is he that will lend to God a good loan, and He will multiply it for him, and his shall be a generous wage?” s57:11
God has heard the saying of those who said, ‘Surely God is poor, and we are rich.’ We shall write down what they have said, and their slaying the Prophets without right, and We shall say, ‘Taste the chastisement of the burning s3:181
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Narrated Abu Huraira:
Allah’s Messenger (?) said, “Allah said, ‘Spend (O man), and I shall spend on you.” He also said, “Allah’s Hand is full, and (its fullness) is not affected by the continuous spending night and day.” He also said, “Do you see what He has spent since He created the Heavens and the Earth? Nevertheless, what is in His Hand is not decreased, and His Throne was over the water; and in His Hand there is the balance (of justice) whereby He raises and lowers (people). USC-MSA web(English) refrence Vol 6, Book 60, Hadith 206, Arabic Reference Book 65, Hadith 4684
Two Qur’anic verses Q.2, v.245 and Q.57, v.11 do not use “loan to Allah” but Allah’s loan, i.e. no usury loan, with some revenue’s rulings.
So, What Qur’an talks is the most basis commandment for Islamic Bank with Shari’ah System.
The concept of loan in these two verses does not mean that he is needy. In this context, there is an encouragement for the rich and wealthy people to give portion of their money to the poor. if they do so, Allah will multiply the money of the those who give the poor people. You have to understand the whole chapter to understand the meaning of the verse. You can take it out of the context and criticism Quran.