What is the ruling on the insurance project undertaken by the company, which deducts a monthly sum from the salary, to be returned as a larger amount after 15 years?

The issue can be summarized in two scenarios:

1. If the company mandatorily deducts a portion of the salary and deposits it in an interest-bearing bank, this is prohibited usury (riba), but there is no sin upon the employee. The employee should only take what he originally paid after the specified period and dispose of any excess. 2. If the company deducts a portion of the salary as a loan at the employee's discretion and does not deposit it in an interest-bearing bank, then there is no harm in that, as long as any increase paid after the specified period is not a stipulated condition.