What is the ruling on our taking a loan from the relief agency where I work, and this savings fund does not allow us to take it out except at the end of service, but
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The questioner: A written message.
The Shaykh : Yes.
The questioner: I am asking you in it about the ruling on the loan that I might take from the agency.
The Shaykh : Yes.
The questioner: Did it reach you?
The Shaykh: I do not remember the messages; many reach me.
The questioner: Okay, can I repeat the text to you?
The Shaykh: Go ahead.
The questioner: We have savings in the agency, in the relief agency.
The Shaykh: Yes.
The questioner: The agency does not allow us to take this savings out except at the end of service.
The Shaykh: At the end of what?
The questioner: Service.
The Shaykh: Service, yes.
The questioner: But recently they allowed us to take a portion of this savings.
The Shaykh: Yes.
The questioner: Yes, but on the condition that they take a fee for this loan, meaning they lend it to us on the condition that we pay it back in installments.
The Shaykh: Yes.
The questioner: Over seventy-two months.
The Shaykh: Yes.
The questioner: In return, they want to take two percent of the value of ... the loan.
The Shaykh: Yes.
The questioner: They call this a service for the loan, a loan fee. So should I take it or not?
The Shaykh: Why do they want to take this amount? That is riba.
The questioner: Yes.
The Shaykh: Do they not have employees who record this matter?
The questioner: They need to have a group of employees to manage the administration of this loan.
The Shaykh: Why do they not have employees?
The questioner: In the first place?
The Shaykh : Yes.
The questioner: No, they have employees.
The Shaykh: So then, the employees who are present.
The questioner: Yes.
The Shaykh: Among their duties is this benevolent loan.
The questioner: Yes, but this money is our money, sir, it is in our names.
The Shaykh: I know, my brother, but why do they take an extra amount from you upon repayment? You are saying this extra amount is for the employees' wages, and the employees are taking their wages monthly.
The questioner: They want to take it once, meaning if I get a thousand dinars.
The Shaykh: My brother, do not repeat the topic; I am answering you.
The questioner: Yes.
The Shaykh: These employees are employees before and after.
The questioner: Yes.
The Shaykh: And they are taking their wages monthly.
The questioner: Correct.
The Shaykh: So why this addition? Since it is your money, you are taking it from the savings fund and returning it as it is.
The questioner: Yes.
The Shaykh: Why do they take the extra amount? You are saying, on their behalf, that it is the employees' wages, and the employees are taking, they are taking their wages monthly.
The questioner: Yes.
The Shaykh: And therefore, it appears that this is like the riba found in banks.
The questioner : Riba.
The Shaykh : Riba.
The questioner: Okay, sir.
The questioner: Yes.
The Shaykh: Please, allow me.
The Shaykh: Go ahead.
The questioner: May Allah increase you in His grace. Now, you and a group of scholars issued a fatwa that it is riba, and another group of scholars issued a fatwa that it is permissible. What should I do? Do you advise me?
The Shaykh: Do what, may Allah bless you, listen to these scholars.
The questioner: Yes.
The Shaykh: And these scholars.
The questioner: Yes.
The Shaykh: And consult your heart, and if the scholars have issued a fatwa for you.
The questioner: Yes.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh: If you are convinced by my words that you are saying about this group that they want to take an extra amount upon repayment, two percent, for the employees' wages.
The student: Correct.
The Shaykh: We are telling you that the employees are taking their wages. Did you borrow or did you not borrow? So if you are convinced by this statement.
The questioner: Yes.
The Shaykh: You take this fatwa that this extra amount is riba.
The questioner : ... .
The Shaykh: What does the other side say to you? The one who says it is permissible, what does he say to you? Employees' wages.
The questioner: Correct.
The Shaykh: Okay, are you convinced that these are employees' wages and the employees are present?
The questioner: Okay, if you are convinced, hypothetically?
The Shaykh: Hypothetically, it is permissible, hypothetically.
The questioner: It is permissible for me to take it.
The Shaykh: Hypothetically.
The questioner: And if I am not convinced in my heart.
The Shaykh: It is not permissible.
The questioner: It is not permissible, meaning this is the meaning of "and if the people have issued a fatwa for you."
The Shaykh: Yes.
The questioner: Okay, sir, may Allah reward you with good.
The Shaykh : And may Allah protect you, if Allah wills.
The questioner: And may Allah bless you, and peace be upon you.
The Shaykh : And upon you be peace, and the mercy of Allah and His blessings.
The Shaykh : Yes.
The questioner: I am asking you in it about the ruling on the loan that I might take from the agency.
The Shaykh : Yes.
The questioner: Did it reach you?
The Shaykh: I do not remember the messages; many reach me.
The questioner: Okay, can I repeat the text to you?
The Shaykh: Go ahead.
The questioner: We have savings in the agency, in the relief agency.
The Shaykh: Yes.
The questioner: The agency does not allow us to take this savings out except at the end of service.
The Shaykh: At the end of what?
The questioner: Service.
The Shaykh: Service, yes.
The questioner: But recently they allowed us to take a portion of this savings.
The Shaykh: Yes.
The questioner: Yes, but on the condition that they take a fee for this loan, meaning they lend it to us on the condition that we pay it back in installments.
The Shaykh: Yes.
The questioner: Over seventy-two months.
The Shaykh: Yes.
The questioner: In return, they want to take two percent of the value of ... the loan.
The Shaykh: Yes.
The questioner: They call this a service for the loan, a loan fee. So should I take it or not?
The Shaykh: Why do they want to take this amount? That is riba.
The questioner: Yes.
The Shaykh: Do they not have employees who record this matter?
The questioner: They need to have a group of employees to manage the administration of this loan.
The Shaykh: Why do they not have employees?
The questioner: In the first place?
The Shaykh : Yes.
The questioner: No, they have employees.
The Shaykh: So then, the employees who are present.
The questioner: Yes.
The Shaykh: Among their duties is this benevolent loan.
The questioner: Yes, but this money is our money, sir, it is in our names.
The Shaykh: I know, my brother, but why do they take an extra amount from you upon repayment? You are saying this extra amount is for the employees' wages, and the employees are taking their wages monthly.
The questioner: They want to take it once, meaning if I get a thousand dinars.
The Shaykh: My brother, do not repeat the topic; I am answering you.
The questioner: Yes.
The Shaykh: These employees are employees before and after.
The questioner: Yes.
The Shaykh: And they are taking their wages monthly.
The questioner: Correct.
The Shaykh: So why this addition? Since it is your money, you are taking it from the savings fund and returning it as it is.
The questioner: Yes.
The Shaykh: Why do they take the extra amount? You are saying, on their behalf, that it is the employees' wages, and the employees are taking, they are taking their wages monthly.
The questioner: Yes.
The Shaykh: And therefore, it appears that this is like the riba found in banks.
The questioner : Riba.
The Shaykh : Riba.
The questioner: Okay, sir.
The questioner: Yes.
The Shaykh: Please, allow me.
The Shaykh: Go ahead.
The questioner: May Allah increase you in His grace. Now, you and a group of scholars issued a fatwa that it is riba, and another group of scholars issued a fatwa that it is permissible. What should I do? Do you advise me?
The Shaykh: Do what, may Allah bless you, listen to these scholars.
The questioner: Yes.
The Shaykh: And these scholars.
The questioner: Yes.
The Shaykh: And consult your heart, and if the scholars have issued a fatwa for you.
The questioner: Yes.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh : Yes.
The questioner: Yes.
The Shaykh: If you are convinced by my words that you are saying about this group that they want to take an extra amount upon repayment, two percent, for the employees' wages.
The student: Correct.
The Shaykh: We are telling you that the employees are taking their wages. Did you borrow or did you not borrow? So if you are convinced by this statement.
The questioner: Yes.
The Shaykh: You take this fatwa that this extra amount is riba.
The questioner : ... .
The Shaykh: What does the other side say to you? The one who says it is permissible, what does he say to you? Employees' wages.
The questioner: Correct.
The Shaykh: Okay, are you convinced that these are employees' wages and the employees are present?
The questioner: Okay, if you are convinced, hypothetically?
The Shaykh: Hypothetically, it is permissible, hypothetically.
The questioner: It is permissible for me to take it.
The Shaykh: Hypothetically.
The questioner: And if I am not convinced in my heart.
The Shaykh: It is not permissible.
The questioner: It is not permissible, meaning this is the meaning of "and if the people have issued a fatwa for you."
The Shaykh: Yes.
The questioner: Okay, sir, may Allah reward you with good.
The Shaykh : And may Allah protect you, if Allah wills.
The questioner: And may Allah bless you, and peace be upon you.
The Shaykh : And upon you be peace, and the mercy of Allah and His blessings.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.