What is the ruling on the "interest-free loan" transaction prevalent in Morocco, which takes place between three parties (the buyer, the selling company, and the bank), whereby the bank lends the buyer the price of the commodity without usurious interest, and shares its profits with the selling company in exchange for this loan?

It is not permissible to enter into this transaction, as it involves assisting in a usurious dealing. The bank lends the company the price of the product, with the amount of the loan's interest deducted, and recovers the full price from the buyer. This is a loan that brings benefit to the bank, which is impermissible by the consensus of jurists. Assisting in it is also impermissible, based on the Almighty's saying: "And cooperate not in sin and aggression. And fear Allah; indeed, Allah is severe in penalty."