Is there a difference between giving usury in usurious loans and consuming usury from people, and is it permissible to make usurious loans lawful under the pretext that there are no Islamic banks and that the Quran only forbade consuming usury?

There is no difference in ruling between the one who consumes usury and the one who gives it. Both are cursed by the tongue of the Messenger of Allah, peace and blessings be upon him. The one who consumes usury is the one who takes it, and the one who gives it is the one who enables it. Both are equal in sin, except that the one who gives usury is sinful in all cases, as necessity is usually not conceivable for him. However, the one who takes it may not be sinful if his necessity reaches a point where he fears destruction or great hardship because of it, for necessities permit the forbidden. There is no justification for differentiating between them on the grounds that there are no Islamic banks or on the pretext that the Quran only forbade consuming usury.