Is it permissible for employees in the Murabaha department of an Islamic bank to group together car sales operations under the name of a single employee in order to obtain the highest production incentive, knowing that incentives increase with the number of cars sold?
There are two scenarios for what was asked: First: If the Islamic bank does not object, once it knows the truth of the matter, then there is no harm in accumulating operations under one employee's name to increase incentives. Second: If the bank does not approve of this, once it knows the truth of the matter, which is the more likely scenario, then it is not permissible for employees to accumulate operations under one of their names to receive a higher percentage of incentives. This is because it constitutes taking money without the owner's consent, which is forbidden, based on the Prophet's (peace be upon him) saying: "The property of a Muslim person is not lawful except with his good will." And his saying: "All of a Muslim's things are unlawful for another Muslim: his blood, his wealth, and his honor." If this occurs, the employees must seek forgiveness from those concerned or return what they took unlawfully.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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