What is the ruling on dealing with At-Tadhamon Bank, which funds youth projects and recovers the loan at a higher value, with the possibility of seizing all mortgaged and unmortgaged equipment upon default of payment? And what is the way out for someone who entered into this transaction out of ignorance and wishes to repent?

This transaction is usurious because the person borrowed six thousand dinars from the bank and repaid nine thousand seven hundred dinars. This is the usury of the pre-Islamic era (Jahiliyyah) that the Quran descended to prohibit. Naming this usury "youth employment projects" is merely an embellishment of what is forbidden. Countries can lend their citizens interest-free loans (qard hasan (definition)) or enter into legitimate and sound Mudarabah (definition) (profit-sharing) agreements with them. Whoever has fallen into usury and decided to repent should strive to extricate themselves from this contract by repaying the principal of the loan, or the principal with the interest if they cannot repay only the principal. If they are unable to repay the loan, then sincere repentance is sufficient for them, and the profits gained from the project become their rightful property.