What is the ruling on investing in the construction of a restaurant tower by offering shares at a value of 10 riyals per share, with a minimum subscription of 100,0, and fixed monthly returns of 2.5% (30% annually) starting after 45 days, with the possibility of recovering the capital by assigning shares to another person?

The return on investment must not be a fixed amount or a percentage of the capital. Instead, it must be a known percentage of the profit. If it is guaranteed, then it is usury (riba). A shareholder in the construction of a tower owns a share of the tower proportionate to their shares. Thus, they are entitled to a percentage of the rent or sale price commensurate with their shares. Therefore, a fixed return is excluded, unless the tower is rented out for known amounts, and the shareholder's share is 2500 Riyals, taking into account that this percentage changes with changes in the rental contracts.