Ruling on giving a person a sum on the condition that he returns it in a known amount of sa'

Question:
This is a letter sent by the listener, Rizq Allah Salman, from the Hashemite Kingdom of Jordan. The brother Rizq Allah asks and says: A man borrowed a sum of one hundred riyals from one of his friends on the condition that he would give him, in the harvest season, twenty sa' of wheat in exchange for it. It is known that the twenty sa' are worth one hundred and fifty riyals. Is this increase permissible? And if it is permissible, it contains an increase that is not in exchange for anything except the delay. I ask for clarification of this issue. May Allah reward you with good.

Answer:
If that is by way of a forward sale (salam), there is nothing wrong with giving him one hundred riyals for twenty sa' to be delivered to him in Ramadan or Shawwal. This is called a forward sale (salam). The Prophet (peace and blessings be upon him) said, when he arrived in Madinah and they were making forward sales in fruits for one or two years: . So if he gives him one hundred riyals for twenty sa', or gives him one thousand riyals for one hundred sa' or more, for a known term, of corn, wheat, or rice, there is nothing wrong. This is called a forward sale (salam), not a loan. However, if he gives him one hundred riyals as a loan and says, "The condition is that you give me twenty sa' for it at such and such a time," this means a forward sale, but it is poor expression. It is called poor expression; it is not a loan.
However, if he gives him a loan on the condition that he gives him more than one hundred in the known term, giving him one hundred and twenty riyals, one hundred and thirty... this increase is usury (riba) and is not valid. But some people may not be good at expressing a forward sale (salam). So if he gives him one hundred riyals, he says, "These are one hundred riyals to meet your need now, and you give me in exchange for them, in such and such a month, twenty sa', thirty sa' of rice, wheat, or corn." This is called a forward sale (salam), or dates likewise. If the term is known and the required amount is known in known sa', yes.

The presenter: May Allah reward you with good.