What is the ruling on opening savings and Islamic investment accounts and savings programs, and requesting facilities, financing, and bank credits for a project or to purchase goods, knowing that the bank's dealings are Islamic and do not involve usury?

The ruling on a thing is an outgrowth of its perception. Thus, if banking transactions adhere to Sharia guidelines, there is no harm in them, whether it is opening an investment account, financing, or banking facilitation. The guideline is that the transaction must be free from Sharia prohibitions. One can refer to the Sharia supervisory boards in Islamic banks or to scholars in the country for clarification on any unclear matters.