How can the apparent contradiction between the permissibility of "al-Jam'iyyah" (tontine/mutual aid association) by the Council of Senior Scholars and the prohibition of "financial leverage" (margin) by the International Islamic Fiqh Academy be clarified, despite the significant similarity between the two scenarios, especially given that the company does not profit from the loan through an increased commission and the beneficiary repays the principal of the loan without increase?