What is the ruling on working in a café business with money mixed with usury, and buying a car with the same money, while being obligated to repay a bank loan, and what can I do to reform myself and get rid of this sin?
Borrowing with usury (riba) is forbidden and one of the gravest sins. Repentance from it is obligatory, and one must extricate oneself from the usurious transaction by returning the borrowed amount without the interest, if possible, even if it means selling the apartment and the coffee shop. If you are unable to avoid paying the interest, then there is no blame upon you for continuing to pay the installments of the loan, and your repentance is sufficient. The projects and businesses established with this loan are your property, and you are not required to dispose of them. However, if there is anything forbidden in them, such as a coffee shop where men and women mix and shisha is smoked, then these forbidden elements must be removed.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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