If dealing with the Islamic bank is without riba (usury or interest), is there anything wrong with it if we are in dire necessity for it?

The questioner : The qard (a loan) hasan (good) for the Islamic bank: you take five hundred dinars from the Islamic bank and return five hundred; there is no increase in it; is there anything in it?

The Shaykh : In terms of it being a loan, there is nothing wrong with it, but perhaps this leads to dealing with the Islamic bank in other transactions. I heard, and you may have heard recently, that some or much of them are contrary to Islamic rulings.

The questioner : My teacher, my research was regarding an agricultural location—may Allah be praised—we do not deal with... but sometimes in large agricultural companies, they give us a post-dated check. They say, for example, farmers withdraw amounts from us—for example, it is in the interest of the company owner not to pay him in cash, so he gives him a check for one month later. I do not deposit it in the bank or anything, but when the time comes for the check, I go to cash it at the bank; is there anything wrong with this?

The Shaykh : How...?

Another questioner : ...the value of the goods, but delayed...

The Shaykh : Okay; the bank does not benefit anything from this transaction, right?

Another questioner : If the bank is within... within the limits mentioned, it does not benefit anything.

The Shaykh : Is what he mentioned a reality?

Another questioner : ...they sell their goods at the end of the season...

The Shaykh : But it is possible...

Another questioner : It is rare, Shaykh; because it is on the account of...

The Shaykh : ... .