Is subscribing to a voluntary Takaful fund in a governmental institution – which relies on a monthly deduction from employees and disburses an amount to them upon termination of service, retirement, or death, based on their contributions and colleagues' donations, with the funds deposited in an Islamic bank – considered usury?

There is no objection to establishing a social solidarity fund based on the principle of donation. Evidence for this is the transfer of its balances upon its cancellation to the employees' social service fund, and that these balances do not revert to the subscribers, provided it adheres to the Sharia (definition) regulations, such as not linking what the subscriber pays to what he receives.