The Pentagon System
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Fatwa No. ( 21194 )
Q: Please issue a ruling on this system that an Italian company has introduced and named "Pentagono." This system has spread like wildfire across all countries of the world due to its ease of dissemination through the internet and email. We ask to know whether this system is lawful or forbidden, because many people have won thousands of dollars from it and do not want to dispose of any of it until they know the ruling of the Shari'ah. A simple explanation of this system (the Pentagono system): There are certificates held by individuals, each certificate containing a list of (7) names of different people from one or different countries, arranged in order from first to seventh. The person in the seventh position is the one who owns this certificate, and the first in the order has his name and address listed. To join, let us say I, for example, I perform three steps as follows: 1 - I buy this certificate from any person, who will naturally be in the seventh position on it, for (40) US dollars. 2 - I send or transfer (40) US dollars by bank transfer to the person in the first position on this certificate. 3 - I send a bank transfer of (40) US dollars to the Italian company supervising this system, along with a copy of the bank transfer receipt to the person in the first position on the certificate, and also
The hushim system is present in all countries of the world, due to the ease of its spread through the internet and email. We ask to know whether this system is lawful or forbidden, because there are many people who have earned thousands of dollars from it and do not want to dispose of any of it until they know the ruling of the Shari'ah on it. A simplified explanation of this system (the Pentagon system): There are certificates held by individuals, each certificate containing a list of (7) names of different people from one or different countries, arranged in order from first to seventh. The person in the seventh position is the one who owns this certificate, and the first in the order has his name and address. To join, let us say I, I perform three steps as follows: 1 - I buy this certificate from any person, who will naturally be in the seventh position on it, for (40) US dollars. 2 - I send or transfer (40) US dollars by bank transfer to the person in the first position on this certificate. 3 - I send a bank transfer of (40) US dollars to the Italian company supervising this system, along with a copy of the bank transfer receipt to the person in the first position on the certificate, and also
a copy of the certificate I purchased to the company in Italy. That is, I have spent (120) US dollars. Upon completing the three previous steps, the company sends me three new certificates, in which my name occupies the seventh position, and the position of the person from whom I bought the certificate becomes sixth, while the other names each move up to a higher position. As for the person at the top position, he has earned the (40) dollars I sent him and exits this plan. After that, I sell these three certificates to three people for (40) dollars each; that is, I have received (120) dollars, which is what was spent before, so I have not lost anything at all. Each of these three people does exactly what I did, and when each of these three people holds three certificates, my name occupies the sixth position in (9) certificates, and so on until my name occupies the first position in (2187) certificates, after 6 levels, or at least in a large number of certificates that continue to be sold from person to person. Thus, every person who purchases a form in which my name occupies the first position sends (40) dollars to my bank account or
my postal address, and with this my balance reaches (87,480) US dollars. It must be noted that the person must sell the certificates within a period not exceeding 90 days, otherwise the company will withdraw this certificate, and it does not stop but is given as a gift to a person who sold his certificates in less than 30 days to ensure the continuation and marketing of the system; that is, no matter how long the period, the buyer's rank will reach the first level. I have enclosed a copy of this certificate and the company's announcement about itself, which also explains this trading system (the Pentagon), and a copy of the certificate sent to a friend of mine who occupies the first position on it. He is Egyptian, and transfers were actually made to him from many people from Egypt, Saudi Arabia, and other different countries. This system has spread to all countries of the world until this friend's account reached more than (30) thousand US dollars, and the transfers to him are still continuing. After this brief explanation of this system, I ask Allah the Exalted to issue a formal fatwa on this system, which thousands of young people who have obtained money from this system are waiting for, and may Allah reward you with good for us and for Islam.
A: This transaction is forbidden; because it contains riba al-nasi'ah and riba al-fadl. In that it is a sale of dirhams for absent dirhams through the sale of
the aforementioned certificates, it is riba al-nasi'ah, and in that the buyer pays dirhams to obtain more dirhams than what he paid, it is riba al-fadl. Riba is forbidden in both its types by the text of the Qur'an and the Sunnah, and it is obligatory for the Muslim to fear Allah and stay away from evil earnings and forbidden transactions. And success is from Allah, and may Allah send prayers and blessings upon our Prophet Muhammad, his family, and his Companions.
Q: Please issue a ruling on this system that an Italian company has introduced and named "Pentagono." This system has spread like wildfire across all countries of the world due to its ease of dissemination through the internet and email. We ask to know whether this system is lawful or forbidden, because many people have won thousands of dollars from it and do not want to dispose of any of it until they know the ruling of the Shari'ah. A simple explanation of this system (the Pentagono system): There are certificates held by individuals, each certificate containing a list of (7) names of different people from one or different countries, arranged in order from first to seventh. The person in the seventh position is the one who owns this certificate, and the first in the order has his name and address listed. To join, let us say I, for example, I perform three steps as follows: 1 - I buy this certificate from any person, who will naturally be in the seventh position on it, for (40) US dollars. 2 - I send or transfer (40) US dollars by bank transfer to the person in the first position on this certificate. 3 - I send a bank transfer of (40) US dollars to the Italian company supervising this system, along with a copy of the bank transfer receipt to the person in the first position on the certificate, and also
The hushim system is present in all countries of the world, due to the ease of its spread through the internet and email. We ask to know whether this system is lawful or forbidden, because there are many people who have earned thousands of dollars from it and do not want to dispose of any of it until they know the ruling of the Shari'ah on it. A simplified explanation of this system (the Pentagon system): There are certificates held by individuals, each certificate containing a list of (7) names of different people from one or different countries, arranged in order from first to seventh. The person in the seventh position is the one who owns this certificate, and the first in the order has his name and address. To join, let us say I, I perform three steps as follows: 1 - I buy this certificate from any person, who will naturally be in the seventh position on it, for (40) US dollars. 2 - I send or transfer (40) US dollars by bank transfer to the person in the first position on this certificate. 3 - I send a bank transfer of (40) US dollars to the Italian company supervising this system, along with a copy of the bank transfer receipt to the person in the first position on the certificate, and also
a copy of the certificate I purchased to the company in Italy. That is, I have spent (120) US dollars. Upon completing the three previous steps, the company sends me three new certificates, in which my name occupies the seventh position, and the position of the person from whom I bought the certificate becomes sixth, while the other names each move up to a higher position. As for the person at the top position, he has earned the (40) dollars I sent him and exits this plan. After that, I sell these three certificates to three people for (40) dollars each; that is, I have received (120) dollars, which is what was spent before, so I have not lost anything at all. Each of these three people does exactly what I did, and when each of these three people holds three certificates, my name occupies the sixth position in (9) certificates, and so on until my name occupies the first position in (2187) certificates, after 6 levels, or at least in a large number of certificates that continue to be sold from person to person. Thus, every person who purchases a form in which my name occupies the first position sends (40) dollars to my bank account or
my postal address, and with this my balance reaches (87,480) US dollars. It must be noted that the person must sell the certificates within a period not exceeding 90 days, otherwise the company will withdraw this certificate, and it does not stop but is given as a gift to a person who sold his certificates in less than 30 days to ensure the continuation and marketing of the system; that is, no matter how long the period, the buyer's rank will reach the first level. I have enclosed a copy of this certificate and the company's announcement about itself, which also explains this trading system (the Pentagon), and a copy of the certificate sent to a friend of mine who occupies the first position on it. He is Egyptian, and transfers were actually made to him from many people from Egypt, Saudi Arabia, and other different countries. This system has spread to all countries of the world until this friend's account reached more than (30) thousand US dollars, and the transfers to him are still continuing. After this brief explanation of this system, I ask Allah the Exalted to issue a formal fatwa on this system, which thousands of young people who have obtained money from this system are waiting for, and may Allah reward you with good for us and for Islam.
A: This transaction is forbidden; because it contains riba al-nasi'ah and riba al-fadl. In that it is a sale of dirhams for absent dirhams through the sale of
the aforementioned certificates, it is riba al-nasi'ah, and in that the buyer pays dirhams to obtain more dirhams than what he paid, it is riba al-fadl. Riba is forbidden in both its types by the text of the Qur'an and the Sunnah, and it is obligatory for the Muslim to fear Allah and stay away from evil earnings and forbidden transactions. And success is from Allah, and may Allah send prayers and blessings upon our Prophet Muhammad, his family, and his Companions.
Source
www.alifta.gov.sa
The Arabic text is copied verbatim from the original source, without any edits.