Is taking a cash loan from Qatar Islamic Bank – under the alleged Murabaha system – without dire need for it, considered permissible or forbidden?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The texts of the Law warn against leniency in taking on debt except for a recognized need. The Prophet's (peace be upon him) refusal to pray over the indebted is a warning against debt and a deterrent against procrastination in repaying it.
If a Muslim is compelled to take on debt, they should only seek the amount needed for their necessity and pursue legitimate means to obtain it, such as a benevolent loan () or permissible transactions. Tawarruq is a legitimate alternative to usury, and the preponderant opinion is its permissibility, as there is no text that prohibits it.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/136340
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 136340
- 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