The ruling on stipulating a benefit in a loan

Question:
We are also taking a call from Muhammad in Jeddah. Go ahead, Muhammad. Peace be upon you. And upon you be peace. May Allah keep you in goodness. Go ahead. I swear you by Allah, O Shaykh. Welcome. May Allah gather us, us and you, in the general paradise of Paradise. Welcome. Amen. O Shaykh, I have two questions. The first question, O Shaykh. Yes. For example, I paid off a loan for a person of one hundred and sixty thousand, and I stipulated that he take ten thousand riyals from the loan. Is this considered riba? Okay, the Shaykh will answer the first question. Give the question. Yes. For example, I agreed with a person on a sum of one hundred and fifty thousand as a loan, and we agreed that I would take ten thousand riyals from him after the loan is repaid. Is this considered riba?

Answer:
Yes, if you stipulate an increase, even if it is small, even if it is not in dirhams, any benefit whatsoever that you stipulate in the loan, it is riba. This is based on the saying of the Messenger (peace and blessings be upon him) and the Muslims have agreed upon this, because the loan is intended to be a kindness to the needy, and then it is returned as it was, which is called the good loan. As for the riba loan, and the loan on which interest is stipulated, it is not a good loan, but rather it is a riba loan, and may Allah protect us from it. Yes.