Is it permissible to use money that has been entrusted to me as a trust and then return it after using it?

The questioner : Is it permissible to use money that has been entrusted to me as a trust and then return it after using it?

The Shaykh : It is not permissible. Why? Because you cannot guarantee that you will be able to return this money to its owner. You might use it to buy goods, intending that the money, which was ten, will become eleven in your possession, but then it drops to eight or even six. In that case, you have not fulfilled the trust for which you were entrusted. Therefore, a Muslim must not dispose of money deposited with him except with the permission of the depositor. If he has his permission, he may dispose of it. If Allah grants him success, he returns it to its owner; otherwise, he is excused because his owner permitted him to dispose of it. However, taking the money and keeping it as a trust while you engage in business with it, and then potentially going bankrupt, is not permissible.
The Shaykh : Yes, please go ahead.