Is it permissible for a company to sell a mobile phone with a SIM card in installments, knowing that it does not own the SIM card and obtains it in the name of the buyer from the telecommunications company?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible to sell the SIM card with an increase in price, because the buyer borrows the price of the SIM card from the seller, and then repays it with an increase. This increase is usury (riba). However, selling the phone in installments is permissible. The increase in the price of the mobile phone does not justify an increase in the price of the SIM card. This contract is forbidden. The buyer must purchase the SIM card with his own money. This does not fall under the category of "two contracts in one contract" nor "agency for a fee," because it is a loan with an increase.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/18365
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 18365
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy