Is the amount an employee receives from the company, which the company invested for him in fixed-interest deposits or treasury bills without his consent or deduction from his salary, lawful, both the principal and its profits, or must its profits be separated? And what is the ruling on the principal and its profits for employees who voluntarily participated in a program where the company pays 5% in exchange for a 5% deduction from their salary, and it is invested in fixed-interest deposits or treasury bills?
If the employee's share from the employer is invested in fixed-interest deposits or treasury bills, then its profits are forbidden usurious interest. The employee should only take the share allocated to him and dispose of the usurious interest by giving it to public charities or to the poor and needy, unless he himself is poor and in need, in which case he may take from it according to his need.
As for employees who participated in a fund that deducts from their salaries and invests it, along with the employer's share, in the same manner, they are permitted to take what was deducted from their salaries and what the company added. Anything beyond that is forbidden, and they are not allowed to benefit from it. They must repent and seek forgiveness for agreeing to the forbidden transaction.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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