What is the ruling on "Taysir Al-Ahli" personal finance program, and is it permissible or a form of usury, knowing that it relies on buying a commodity and selling it on the stock exchange?

It is permissible to purchase a commodity from Al-Ahli Bank and other institutions, either in cash or on credit with a known deferred payment, for a price higher than its cash price, provided that the bank does not stipulate an increase on the buyer in case of delayed payment. If this condition is not present, then the sale is valid, and one may utilize the commodity or sell it.