َ إِنَّ الْمُصَّدِّقِينَ وَالْمُصَّدِّقَاتِ وَأَقْرَضُوا اللَّهَ قَرْضًا حَسَنًا يُضَاعَفُ لَهُمْ وَلَهُمْ أَجْرٌ كَرِيمٌ ﴿۱۸﴾ وَالَّذِينَ آمَنُوا بِاللَّهِ وَرُسُلِهِ أُولَئِكَ هُمُ الصِّدِّيقُونَ وَالشُّهَدَاءُ عِنْدَ رَبِّهِمْ لَهُمْ أَجْرُهُمْ وَنُورُهُمْ وَالَّذِينَ كَفَرُوا وَكَذَّبُوا بِآيَاتِنَا أُولَئِكَ أَصْحَابُ الْجَحِيمِ ﴿۱۹﴾

﴾18﴿ Innal mussaddiqeena wal mussaddiqaati wa aqradul laaha qardan hassanany yudaa'afu lahum wa lahum ajrun kareem
﴾19﴿ Wallazeena aamanoo billaahi wa Rusuliheee ulaaa'ika humus siddeeqoon; wash shuhadaaa'u 'inda Rabbihim lahum ajruhum wa nooruhum; wallazeena kafaroo wa kazzaboo bi aayaatinaaa ulaaa'ika As haabul jaheem

﴾18﴿ Indeed, the men who give charity and the women who give charity, and those who lend to Allah a sincere loan—it will be multiplied for them, and for them is a noble reward
﴾19﴿ And those who believe in Allah and His Messengers—these are the truthful ones and the martyrs in the sight of their Lord. For them is their reward and their light. But those who disbelieve and deny Our signs—these are the inhabitants of Hell

[18] After the rebuke and warning directed at the miserly, this verse brings glad tidings and encouragement for those who spend in charity.
(Al-muṣṣaddiqīn)—the form includes both masculine and feminine to emphasize that the reward is for all who give, regardless of gender.
The use of both expressions—taṣaddaq (giving charity) and qarḍ (giving a good loan)—is meant to strongly encourage spending in the path of Allah.
The first term (taṣaddaq) highlights the act of looking toward the needs of the poor and needy.
The second (qarḍ) points to sincerity in one's relationship with Allah the Exalted—giving solely for His sake, without seeking fame, praise, or showing off.
[19] A group of believers was previously mentioned, referred to as ṣāliḥīn (the righteous).
Now, in this verse, other categories of the people of faith are mentioned—the Messengers, the truthful ones (ṣiddīqīn), and the martyrs (shuhadāʾ)—and glad tidings are given to them.
These are the categories of the fortunate (suʿadāʾ), and then, in contrast, the unfortunate (ashqiyāʾ) are also mentioned, along with a warning for them.
(Wa al-shuhadāʾ)—there are multiple valid interpretations of “martyrs” in this context:
1. Those who testified to the Oneness of Allah and the Prophethood (i.e., believers).
2. Those who will testify against nations on the Day of Judgment through their daʿwah and delivery of Allah’s message.
3. Those who called to the truth and conveyed the message in this world.
4. Those who were killed in the path of Allah (shuhadāʾ fī sabīlillāh).
All these meanings are permissible and may be included.
(Wa alladhīna kafarū)—this introduces the disbelievers, in contrast to the believers mentioned earlier.
Their mention here serves as a warning and threat due to their opposition to faith and rejection of truth.