'Umra' means that a man says to another man: It belongs to you so long as you live. When he says that, it belongs to him and to his heirs. Ruqba means that a man says to another: From me and from you.
Sunan Abi Dawud Book 24, Hadith 145
← Previous Hadith The Prophet (ﷺ) said: If anyone gives something in life-tenancy, it belongs to the one to whom it is given, in his life and after his death; and do not give property to go to the survivor, for if anyone gives something to to to the survivor, it belongs to him.

Sunan Abi Dawud Book 24, Hadith 144 Next Hadith → The Prophet (ﷺ) as saying: The hand which takes is responsible till it pays. Then al-Hasan forgot and said: (If you give something on loan to a man), he is your depositor ; there is no compensation (for it) on him.

Sunan Abi Dawud Book 24, Hadith 146