Is "Tawarruq" in the manner described—buying a commodity like rice from the bank, with the bank possessing it, then authorizing another company to sell it and receive the money—in compliance with Islamic legal standards? And is one who engages in it sinful, especially given the justification by some scholars for its impermissibility due to the market's inability to absorb it and the company undertaking the sale for itself?

Sheikh Abdur-Rahman Al-Atram permits tawarruq in principle, but he prohibits the tawarruq practiced in some banks and institutions due to the absence of Sharia compliance therein. This is because most bank tawarruq involves the commodity returning to the original seller, creating a continuous cycle that renders tawarruq futile and introduces it into usurious transactions, becoming a triple 'inah. There is no difference between a stipulated condition and custom in this transaction, as the current custom is that whatever is sold to the client returns to the merchant. The Sheikh believes that this type of tawarruq is forbidden because it does not meet the Sharia compliance requirements, the most important of which is that the sale always reverts to the original seller.