What is the ruling on working with an organization that deals with banks, provided that one does not write or witness the usurious contracts?
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The questioner : Regarding the question about the work situation: a person works in organizations where the manager of the organizations is one person. He had worked with him for a long period. During this period, it became clear that the organizations are strong and their projects are in the millions—hundred million, fifty million, sixty million. However, it became clear to him later that the organization was taking from the bank. It had signed deals with the banks. The truth of the matter is that the organization has funds and balances with the state, but they were not spent—millions, more than the amount it took from the bank. But as soon as it took from the bank, the projects would not be delayed. If a project is delayed, penalties are imposed on it per day, as is known in the case of contracts with the state. It later became clear to this person that one of the organizations deals with the bank, and that its salaries and projects run on this. Because now the organization is stalled; it does not have financial liquidity for the other companies, such as those working in other contracting fields, electricity, and plumbing.
Until the end, it became clear that it borrows from the bank or has signed a contract with the bank. The last contract signed was perhaps a month or a month and a half ago, for no less than seven million or six million. So what is the situation at this time? How is the status of the employee in this organization? Knowing that this employee works for this manager, and the manager heads him in all three organizations.
The Shaykh : What?
The questioner : He heads him in all three organizations. The three organizations are owned by someone else. One of these organizations is owned by this same manager, and the other organizations—he is their manager, he receives a salary from them, and as soon as... he wanted to take all the work, he does not want... people...
The Shaykh : Does this employee write the contracts between the company and the banks?
The questioner : No, he does not write them.
The Shaykh : He does not write them?
The questioner : I am the person.
The Shaykh : So you do not write the riba now.
The questioner : Yes, I do not write it.
The Shaykh : And you do not witness it, nor take it, nor give it.
The questioner : I am just working...
The Shaykh : There is nothing. I see nothing wrong with this, as long as your work is sound between you and the company, then there is nothing on you, and the sin of the company is upon itself.
The questioner : In the field of follow-up, I work in the field of follow-up.
The Shaykh : But do you follow up on the bank transactions?
The questioner : No, I do not go to the banks... and I do not know them.
The Shaykh : Okay, so what is the prohibited thing?
The questioner : I mean, is it just my work in this organization?
The Shaykh : This organization was not established for riba.
The questioner : It was not established for riba.
The Shaykh : It is not like the bank where we say do not be employed, for it was not founded for riba. Second: you do not engage in riba. You do not write, nor witness, nor serve. Your work is separate from riba, so I see nothing on you.
The questioner : May Allah reward you with good, may Allah reward you.
Until the end, it became clear that it borrows from the bank or has signed a contract with the bank. The last contract signed was perhaps a month or a month and a half ago, for no less than seven million or six million. So what is the situation at this time? How is the status of the employee in this organization? Knowing that this employee works for this manager, and the manager heads him in all three organizations.
The Shaykh : What?
The questioner : He heads him in all three organizations. The three organizations are owned by someone else. One of these organizations is owned by this same manager, and the other organizations—he is their manager, he receives a salary from them, and as soon as... he wanted to take all the work, he does not want... people...
The Shaykh : Does this employee write the contracts between the company and the banks?
The questioner : No, he does not write them.
The Shaykh : He does not write them?
The questioner : I am the person.
The Shaykh : So you do not write the riba now.
The questioner : Yes, I do not write it.
The Shaykh : And you do not witness it, nor take it, nor give it.
The questioner : I am just working...
The Shaykh : There is nothing. I see nothing wrong with this, as long as your work is sound between you and the company, then there is nothing on you, and the sin of the company is upon itself.
The questioner : In the field of follow-up, I work in the field of follow-up.
The Shaykh : But do you follow up on the bank transactions?
The questioner : No, I do not go to the banks... and I do not know them.
The Shaykh : Okay, so what is the prohibited thing?
The questioner : I mean, is it just my work in this organization?
The Shaykh : This organization was not established for riba.
The questioner : It was not established for riba.
The Shaykh : It is not like the bank where we say do not be employed, for it was not founded for riba. Second: you do not engage in riba. You do not write, nor witness, nor serve. Your work is separate from riba, so I see nothing on you.
The questioner : May Allah reward you with good, may Allah reward you.