Is it permissible to take a 3% commission from the Merchants' Syndicate for voluntarily collecting annual subscriptions, knowing that I exerted great effort in organizing these subscriptions and that the head of the financial sector did not object to disbursing this amount to me?

It is not permissible to participate in a pension fund if it is mandatory, due to the presence of Jahalah (uncertainty) and Gharar (excessive risk). The participant might pay a larger sum than what they will receive, or they might pass away after a short period of participation.

Similarly, it is not permissible for those managing this work to take a fee for it.

However, if the participation is on a voluntary basis and meets the Sharia-compliant conditions, then it is permissible, as it is a form of cooperation. It is also permissible for those who organize this work to take a percentage for it with the permission of those responsible for the funds.