What is the ruling on employees of the United Nations Relief and Works Agency (UNRWA) taking a loan from the agency itself, when this loan comes from the employee's own savings and is subject to a 1% fee called a "stationery charge"?

If the agency employee takes a specific amount as a fee for processing the transaction from his savings, there is no harm in that, and it is not considered a loan. However, if the amount is a loan from the employer and a specific amount is deducted from it for administrative expenses, it is permissible provided that the deducted amount is equivalent to the actual service provided, and is not linked to the amount or duration of the loan. Otherwise, it would be usury. Fees deducted that are not linked to the loan amount or its duration, but are for the service, are not usurious interest. Any increase beyond the actual services is prohibited. However, if the amount is not deducted and is linked to the loan amount and its duration, then it is not permissible.