Does each person pay ten pounds and then one of them takes it in an order they agree upon?
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The questioner : I ask you to issue a ruling, may Allah reward you, regarding joining associations where each person pays a sum of money every month, with each person paying ten pounds and then one of them taking it in an order they agree upon?
The Shaykh : There is nothing wrong with this, because this falls under the category of cooperation and lending to those in need. For example, if there are ten people and they agree that each one will contribute one thousand riyals from his salary, and one person receives it, then that person has an addition of nine thousand to his salary, which may benefit him at times. So it is a matter of cooperation and meeting the needs of others, and there is absolutely no blame in it. As for what some people imagine, that it is a loan that brings benefit, it is said: Where is the benefit? The man lent a thousand and only a thousand came back to him. So at that point, the loan did not bring benefit to the lender, because he lent a thousand and received a thousand. And the matter, praise be to Allah, has no difficulty in it, even if it is confusing to some people. Yes.
The questioner : May Allah reward you. The questioner, Abdullah al-Hasan, says.
The Shaykh : There is nothing wrong with this, because this falls under the category of cooperation and lending to those in need. For example, if there are ten people and they agree that each one will contribute one thousand riyals from his salary, and one person receives it, then that person has an addition of nine thousand to his salary, which may benefit him at times. So it is a matter of cooperation and meeting the needs of others, and there is absolutely no blame in it. As for what some people imagine, that it is a loan that brings benefit, it is said: Where is the benefit? The man lent a thousand and only a thousand came back to him. So at that point, the loan did not bring benefit to the lender, because he lent a thousand and received a thousand. And the matter, praise be to Allah, has no difficulty in it, even if it is confusing to some people. Yes.
The questioner : May Allah reward you. The questioner, Abdullah al-Hasan, says.