The Victory - 48:13 Whoever disbelieves in Allah and His messenger, We have prepared for the disbelievers a Fire.
In the context of verses 11,12...16; those who stay back from the battle:
The Women/4:72 "There are those among you who are slow. If a calamity befalls you, he says, "Allah has been good to me so that I did not fall a martyr with them"."
The Women/4:141 "They keep watch over you. When a victory comes to you from Allah, they say, "Were we not with you?"And when it is the turn of the disbelievers to win, they say, "Did we not protect you from the believers by supporting you?"On the Day of Resurrection, Allah will judge between you. Allah will not give the disbelievers the opportunity to rule over the believers."

The Stories/28:57 "They said, "If we followed your guidance, we would be driven from our homes. Did We not settle them in a safe and holy place where every kind of produce from Us is gathered as sustenance? But many do not know."

The Coalition/33:13 "A group of them were saying, "People of Yathrib, you cannot hold on any longer; go back."The other group of them were asking permission from the Prophet, saying, "Our houses are unprotected,"even though their houses were protected. Their whole purpose was to escape."
The Coalition/33:14 If it had been occupied and they had been asked to join the enemy, they would have joined them without hesitation.
The Coalition/33:19 They are stingy in their dealings with you. When danger comes, you see them looking at you with their eyes wide with fear, like one who has fallen into a faint of death. And when the danger passes, they hurt you with sharp tongues, being fond of wealth. Such people are not believers. That is why Allah makes their deeds vain. This is easy for Allah.

The Victory/48:11 "Those who stayed behind from the Arabs will say, "Our money and our children have kept us back; ask forgiveness for us."They do not say what is in their hearts but with their tongues. Say, "Who can prevent Allah if He wills for you harm or benefit?"But Allah is well aware of all that you do."

The Family Of Imran/3:166 What happened to you on the day when the two armies clashed was by Allah´s Leave. Thus are the believers distinguished.
The Family Of Imran/3:167 "Thus are the hypocrites exposed. When it was said to them, "Come, fight in the way of Allah or contribute", they said, "If we knew about war, we would have joined you". At that moment they were closer to disbelief than to faith. They say with their mouths what is not in their hearts. But Allah knows very well what they conceal."
The Family Of Imran/3:168 "They sat down and said of their relatives: "If they had followed us they would not have been killed."Say, "Ward off death from yourselves and prove that you are truthful."
The Family Of Imran/3:154 "Then after that sorrow, He sent down upon you a safe sleep which calmed a group of you. Some of you were self-absorbed and self-centered, forming false ideas about Allah, as in the days of ignorance, and saying, "Do we have any authority in this matter?"Say, "All authority belongs to Allah."They were hiding in their hearts what they did not reveal to you. They say, "If we had any authority, we would not have been killed here."Say, "Even if you had been in your homes, those among you who were appointed to die would have crawled to the place where they would have fallen."Allah thus tries what is in your breasts and purifies what is in your hearts. Allah knows the most secret thoughts."

The Repentance/9:38 "O you who believe, what has happened to you that when you were told, "Take action in the way of Allah,"you fell to the ground? Are you content with the life of this world instead of the Hereafter? The blessings of the life of this world are little compared to the life of the Hereafter."
The Repentance/9:39 If you do not act, He will punish you with a painful torment and replace you with another people. You can never harm Him. Allah is the Almighty.
The Repentance/9:40 "If you do not help him, Allah has helped him. (For example) the disbelievers drove him out as the second of the two. And when the two of them were in the cave, he used to say to his companion, "Do not grieve, Allah is with us"... Allah sent down on him peace and security and humbled the word of the disbelievers by supporting them with armies you did not see. Exalted is the word of Allah alone. Allah is the Exalted, the Wise."
The Repentance/9:41 Go forth to war, whether light or heavy. Strive in the Way of Allah with your money and your lives. That is better for you, if you only knew.
The Repentance/9:42 "If it had been a near benefit and a journey of moderate length, they would have followed you, but the way seemed far to them. They will swear by Allah: "Had we been able, we would have gone out with you."Thus they ruin themselves. Allah knows that they are liars."
The Repentance/9:43 Allah has forgiven you: Why did you allow them before the truthful and the liars became clear to you?
The Repentance/9:44 Those who believe in Allah and the Last Day do not ask your permission (to escape) from striving with their money and their lives. Allah is All-Knowing of the righteous.
The Repentance/9:45 Only those who do not believe in Allah and the Last Day ask your permission. Their hearts are full of doubt. They are floundering in their doubts.
The Repentance/9:46 "Had they wished to go to war, they would have made preparations for it. But Allah did not want their contribution and made them half-hearted and unwilling. They were told, "Sit down with those who sit!"
The Repentance/9:83 "If Allah were to give you again an opportunity when a group of them would ask your permission to go on an expedition, say, "You will not go out with me on campaign forever, and you will not fight any enemy with me. Because at first you chose to sit down. So sit down with the rest."
The Repentance/9:84 Do not pray for one of them who has died, nor stand by his grave. For they disobeyed Allah and His Apostle and died as transgressors.
The Repentance/9:85 Let not their money and their children impress you. Allah wants to punish them with them in this world and that they die as disbelievers.
The Repentance/9:86 "When a Surah came down saying, "Believe in Allah and strive hard with His Messenger,"even the powerful and wealthy of them asked your permission and said, "Let us go and be with those who sit down."
The Repentance/9:90 Those of the Arabs who fabricated excuses came to you for permission. So those who denied Allah and His messenger sat down. A painful torment will touch the disbelievers.
The Repentance/9:91 There is no condemnation for the weak, the sick and those who have nothing to give for help, provided they are sincerely devoted to Allah and His Messenger. Those who do good will not be condemned. Allah is Forgiving, Merciful.
The Repentance/9:92 "Likewise, those who come to you to give them a ride and you say, "I cannot find a vehicle to give you a ride,"and they turn back with tears in their eyes because of their financial inability."
The Repentance/9:93 Only those who asked you for permission while they were rich are reprehensible. They asked to be with those who stayed behind, and Allah stamped their hearts. Therefore they do not know.
The Repentance/9:94 "When you return to them (from the war), they offer you excuses. Say: "Do not make excuses in vain; we do not believe in you any more, Allah has informed us of your situation. Allah and His messenger will see your affairs, and then you will be returned to the One Who knows the secret and the open. He will inform you of everything you do."
The Repentance/9:95 When you turn to them, they swear by Allah that you may renounce them. Give them up. They are unclean. Their abode will be Hell for what they have earned.
The Repentance/9:81 "Those who remained behind liked their place behind the Messenger of Allah and disliked to strive in the Way of Allah with their money and their lives and said: "Do not move in this heat,"they said. Say, "The fire of hell is hotter."If only they understood!"
The Repentance/9:24 "Say: "If your parents, your children, your brothers and sisters, your wives, your families, the money you earn, the business you fear may go bad, and the houses you enjoy are dearer to you than Allah and His Messenger and striving in His Way, then wait until Allah brings His Command."Allah does not guide the people who have gone astray."
The Repentance/9:75 "Some of them even promised Allah, "If He grants us out of His bounty, we will spend our money for charity and we will be of the righteous people."
The Repentance/9:76 But when He gave them out of His bounty, they became stingy and turned away.