What is the ruling on amounts received from the compulsory private insurance fund that invests its money in banks and through selling goods in installments? And what is the ruling on the end-of-service bonus and the monthly pension received from the governmental insurance and pension system, which is often invested in banks and loans? And does the money received as a monthly salary and performance bonus have a suspicion if the capital of the entity you work for or the state invests in usurious banks?

First Matter: The company's insurance fund, which has two cases: 1. If it is a cooperative Takaful (mutual) fund: It is permissible to subscribe to it and benefit from it, unless its funds are involved in Sharia prohibitions, such as dealing with usury (riba). If that is the case, then it is not permissible. If it is compulsory and one cannot leave the job, then necessities permit prohibitions, with the obligation to dispose of usurious profits in charitable ways. 2. If it is commercial: Its ruling is that of commercial insurance, so it is not permissible to subscribe to it. If it is compulsory, then it falls under the previous ruling regarding compulsion.

Second Matter: The state's insurance and pension system: It takes the ruling of cooperative Takaful insurance, and is prohibited if its funds are invested in usury and unlawful dealings.

Third Matter: The monthly salary and annual bonuses: These are permissible as long as the work in the company is permissible. The company's placement of these salaries and bonuses in usurious banks does not harm [the permissibility] because it falls under the category of hawala (money transfer).