What is the ruling on taking an interest-based loan from a bank for study or to establish a business in a non-Muslim country, and is the fiqh of expatriates considered in this regard?

The religion of Islam is a religion of strength and knowledge; it does not advocate ignorance or weakness. A Muslim is required to adhere to the Sharia regulations in their dealings.

There is no contradiction between learning, earning, and adhering to the limits set by Allah, except in cases of necessity which permit the forbidden to the extent required, in accordance with the Almighty's saying: "And He has already explained to you what He has forbidden to you, except for that to which you are compelled."

Usury (riba) is strictly forbidden, and it is a declaration of war from Allah and His Messenger. It is not permissible to engage in it except out of necessity, under specific conditions: that the necessity is immediate and not anticipated, that there is no other means to avert it, that the compelled person adheres only to the extent of the necessity, and that one does not commit an act for which there is no permissible exception, such as killing a soul.

The immutability of religious rulings does not change with a change in location, but a fatwa may change due to a change in specific details or the emergence of recognized religious impediments.

The need to pursue studies is not considered a necessity that permits usury.