Is it permissible for the original seller to act as an agent for the association that sells goods in installments, especially if he is known to its executive managers? And is it permissible for the association to pay directly to the account of the seller of the good (the car) if the good is already with the buyer (the borrower) who wishes to purchase it in installments from the association?

If an association buys goods and sells them on installment, and then the buyer sells them to obtain cash, it is not permissible to sell them directly to the association or its agent, nor to the original seller if it is by collusion; because it is considered a stratagem to legitimize usury ( 'inah sale or the prohibited triple stratagem). If a person wants to buy a used car and does not have the money for it, the association can buy it and sell it to him on installment with certain conditions, including: that the association buys the car for itself and takes possession of it before selling it, that it sells it to the buyer, that the contract is free of prohibited conditions, and that the association does not sell it if it knows that the buyer will resell it to the original seller.