What is the ruling on subscribing to mutual aid and solidarity funds where the subscriber pays installments to receive an agreed-upon sum upon death or total or partial disability?

It is permissible to establish a cooperative solidarity fund that benefits participants in cases of death, total, or partial disability, provided that it adheres to Sharia guidelines, involves no injustice or unlawful exploitation, and is built upon foundations that prevent any semblance of gambling, while clearly demonstrating the spirit of cooperation and mutual support.

Among these foundations are: 1. Expressing the intent of cooperation and mutual support in the founding contract. 2. Not linking what the participant pays to what they receive. 3. Precisely defining the cases covered by assistance. 4. Having a committee supervise the fund and determine the necessary amount for each case based on the beneficiary's situation, to show that the intent is cooperation and assistance. 5. There is no objection to the subscription being a fixed or open amount, or with varying percentages of what participants pay.