Is it permissible to deal with food vouchers provided by the social fund to employees, of which the employee contributes a portion of their value, knowing that the company buys them at the same price and the company issuing the vouchers benefits from restaurants? And is it permissible to sell these vouchers for cash to the issuing company at 85% of their value, or to purchase goods with them from stores that deduct 12% of their value?
The contract between the fund and the company is a contract for the sale of meals at three dinars per meal. It is a salam (forward) contract, and its validity is contingent upon the fulfillment of certain conditions. If these conditions are met, then participation in the fund and the receipt of meals from the restaurant is permissible, whether the restaurant is owned by the company or not. This is because the tickets issued are considered an authorization from the company to the restaurant to fulfill the salam contract. It is not permissible to receive the subject of the salam (the meals) with something other than its kind, such as cash or goods, based on the saying of the Prophet, peace be upon him: "Whoever enters into a salam contract for something, let him not exchange it for something else." As for the institution not taking possession of the tickets at the contracting session, this is not influential because it is not an exchange of currency for currency or an usurious item for its like.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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