A man has a bond from the bonds distributed as payment for wheat crops, containing a high amount, and he has a debt, so the creditor asked him to give him the bond and bring the money
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The questioner : May Allah reward you, O honorable Shaykh, there are bonds distributed from the price of wheat crops.
The Shaykh : Yes, exactly.
The questioner : One of the brothers has one of these bonds, its value is a high amount, and he also has people demanding a debt from him, so one of them said: Give me the bond and appoint me as your agent over it, and I will collect this debt in my own way and return the remainder to you. Is there any problem with this?
The Shaykh : And he gives it to him.
The questioner : Yes, exactly.
The Shaykh : There is no harm in it.
The questioner : Because if the Shaykh gives him the bond and gives him agency to pay what he pays, it is only by way of the bank, meaning the current method, which is from the bank, meaning he buys it now and the bond.
The Shaykh : Will he take the full amount in the bond, or not?
The questioner : Yes.
The Shaykh : He takes the full amount in the bond.
The questioner : By the bank's method, they do not take anything from him.
The Shaykh : Yes, that is it, but I thought he had connections with the responsible authorities and it might affect... the important thing is that if it does not result in riba, there is no harm, because it is hiring.
The questioner : He says: This is not from me, meaning the riba is from him, it is not mine.
The Shaykh : No, no, if you know that he does not reach this except through riba, then you have assisted him in sin, and Allah the Exalted says:[Al-Ma'idah 5:2] But I heard that they have relaxed things a bit and said: whoever wants to transfer, this amount is sufficient, for example, I give one hundred thousand and he has people demanding from him, one demands ten thousand, one twenty thousand, one thirty thousand, and he wants to transfer on the amount, he transfers on what they are demanding, that there is no harm, this is after there is some expansion.
The questioner : ... this is of course the one hundred riyals, is the one hundred riyals something?
The Shaykh : Who takes it?
The questioner : The same circulating bank that is sufficient, they take on every yes, on every check one hundred riyals.
The Shaykh : Why?
The questioner : This brother is telling me this thing.
The Shaykh : By Allah, I have not heard of this, I have not heard of this condition, I heard that they permitted division as an expansion for people, and this is good, it resolves some of the issue.
The questioner : May Allah reward you, O Shaykh.
The Shaykh : No, he does not take anything, I have not heard that they take, perhaps this employee is acting on his own, yes.
The Shaykh : Yes, exactly.
The questioner : One of the brothers has one of these bonds, its value is a high amount, and he also has people demanding a debt from him, so one of them said: Give me the bond and appoint me as your agent over it, and I will collect this debt in my own way and return the remainder to you. Is there any problem with this?
The Shaykh : And he gives it to him.
The questioner : Yes, exactly.
The Shaykh : There is no harm in it.
The questioner : Because if the Shaykh gives him the bond and gives him agency to pay what he pays, it is only by way of the bank, meaning the current method, which is from the bank, meaning he buys it now and the bond.
The Shaykh : Will he take the full amount in the bond, or not?
The questioner : Yes.
The Shaykh : He takes the full amount in the bond.
The questioner : By the bank's method, they do not take anything from him.
The Shaykh : Yes, that is it, but I thought he had connections with the responsible authorities and it might affect... the important thing is that if it does not result in riba, there is no harm, because it is hiring.
The questioner : He says: This is not from me, meaning the riba is from him, it is not mine.
The Shaykh : No, no, if you know that he does not reach this except through riba, then you have assisted him in sin, and Allah the Exalted says:
but do not cooperate in sin and aggression
وَلا تَعَاوَنُوا عَلَى الْأِثْمِ وَالْعُدْوَانِThe questioner : ... this is of course the one hundred riyals, is the one hundred riyals something?
The Shaykh : Who takes it?
The questioner : The same circulating bank that is sufficient, they take on every yes, on every check one hundred riyals.
The Shaykh : Why?
The questioner : This brother is telling me this thing.
The Shaykh : By Allah, I have not heard of this, I have not heard of this condition, I heard that they permitted division as an expansion for people, and this is good, it resolves some of the issue.
The questioner : May Allah reward you, O Shaykh.
The Shaykh : No, he does not take anything, I have not heard that they take, perhaps this employee is acting on his own, yes.