What is the ruling on borrowing from one of the usurious commodities, such as barley, wheat, or gold, on condition that repayment be made by a specific deadline?

A loan is permissible by scholarly consensus as long as it does not stipulate a benefit for the lender. It is the act of giving a specific item to be returned in kind, either immediately or at a later date. Scholars agree on the permissibility of lending items that have equivalents, such as usurious commodities. Ibn al-Qayyim refutes the specious argument that a usurious loan is a sale of its kind with deferred possession, clarifying that a loan is a donation of benefits, like a loan for use ('ariya). The Prophet, peace be upon him, called it a "manīḥa" (a gift of a milking animal), indicating that it is an act of benevolence, not an exchange. If one does not accept this explanation, then it is a category specifically exempted by the Lawgiver due to people's need for it.