What is the ruling on the monthly association among employees?
Machine translationRead the Arabic original
The questioner : He says: Honorable Shaykh, may Allah grant you success. Some colleagues in schools and other places form an association consisting of a group of individuals with specific shares, and a group of these individuals takes it. What is the ruling?
The Shaykh : I did not understand the issue.
The questioner : Some colleagues in schools.
The Shaykh : I heard the question, but I did not understand how the association works.
The questioner : They form an association, for example, each...
The Shaykh : Is he present?
The questioner : Each person pays three thousand monthly, and they are, for example, ten individuals, so the group totals thirty thousand each month, and thirty thousand is handed to each individual, and so on until it is completed.
The Shaykh : Yes, yes, meaning that each of the employees takes three thousand from his salary and gives it to one person, and in the second month they give it to the second, and in the third month to the third, and so on. I say that this is permissible and there is no problem with it. This transaction is permissible and there is no problem with it, and it is not from the category of a loan that yields benefit, because the lender did not benefit from anything. He lent a thousand and was given a thousand. Where is the benefit? There is no benefit, meaning that the lender did not obtain a benefit from this loan. Yes, he obtained the fact that he lent and benefited, and this is the case with every loan, for the borrower will benefit from it. So the result is that this transaction is permissible and there is no problem with it, and it is not from the category of a loan that yields benefit. If someone asks: Did not the man who lent condition upon the borrower that he lend to him? We say: No, the one who lent only conditioned upon the borrower to return his loan to him.
The questioner : It is considered external pressure.
The Shaykh : I did not understand the issue.
The questioner : Some colleagues in schools.
The Shaykh : I heard the question, but I did not understand how the association works.
The questioner : They form an association, for example, each...
The Shaykh : Is he present?
The questioner : Each person pays three thousand monthly, and they are, for example, ten individuals, so the group totals thirty thousand each month, and thirty thousand is handed to each individual, and so on until it is completed.
The Shaykh : Yes, yes, meaning that each of the employees takes three thousand from his salary and gives it to one person, and in the second month they give it to the second, and in the third month to the third, and so on. I say that this is permissible and there is no problem with it. This transaction is permissible and there is no problem with it, and it is not from the category of a loan that yields benefit, because the lender did not benefit from anything. He lent a thousand and was given a thousand. Where is the benefit? There is no benefit, meaning that the lender did not obtain a benefit from this loan. Yes, he obtained the fact that he lent and benefited, and this is the case with every loan, for the borrower will benefit from it. So the result is that this transaction is permissible and there is no problem with it, and it is not from the category of a loan that yields benefit. If someone asks: Did not the man who lent condition upon the borrower that he lend to him? We say: No, the one who lent only conditioned upon the borrower to return his loan to him.
The questioner : It is considered external pressure.
Source
دروس وفتاوى المسجد الحرام لعام 1412 هـ - 9 — binothaimeen.net (1:08:27)
The Arabic text is a machine transcription of the audio recording.