What is the ruling on money obtained from a competition based on collecting monthly sums from participants for one year, after which a number of them are chosen by lottery to perform Umrah at the competition's expense, and the rest are given shopping vouchers equivalent to the value of their contributions, provided that these funds are used to establish a company? And is there a way to make it permissible?

The described form of transaction is impermissible for several reasons:

1. Investing without a pre-agreed profit percentage renders the partnership invalid. 2. Paying money for a year with the possibility of gain or loss determined by lot is a form of gambling (qimar and maysir). 3. You do not have the right to compensate the participant with a purchase voucher instead of returning their money.

To correct the transaction, there are two ways:

1. Establish a cooperative fund for Umrah, where participants donate their money, and the money is invested for a known percentage of profit. Then, at the end of the year, a lottery is held for the winners of Umrah. This falls under permissible cooperative insurance. 2. Establish a company to invest people's money for a known percentage of profit for you, and at the end of the year, each person takes their capital and profit to dispose of as they wish.