The ruling on taking a farm as a pledge for a loan

Question:
There are people who come to borrow some cash, and in exchange they pledge a farm, on the condition that the lender takes over the farm, invests in it, and takes all of its produce until he gets back the full amount of money he lent. What is the ruling on this?

Answer:
That is, he borrows and gives him, for example, ten thousand or two thousand or more, and says to him: the farm is with you, take its fruit until I return to you three. This is the very essence of riba (usury or interest), we seek refuge in Allah. That is not permissible. If he lends him money, he does not take anything in exchange for the loan until his loan is repaid. Even if he gives him a gift because of the loan, he does not accept it, unless he counts it as part of the loan. As for giving him the farm so he can exploit it, or the car so he can use it, or the house so he can live in it, until he gives him the loan, this is wrong. This is riba. Yes.