Is the commission received by the inquirer permissible or forbidden? Does specifying the percentage between the buyer and the seller in a Standby Letter of Credit (SBLC) transaction involve a suspicion of usury? And is the inquirer, as an intermediary, held responsible if the buyer uses the funds for harmful activities?

A documentary credit is an undertaking by a bank to pay the beneficiary upon presentation of documents conforming to the instructions. There are various types of documentary credits; it may be covered, in which case it is considered an agency, or uncovered, in which case it is considered a loan or a guarantee. Islamic banks use it in Murabaha, where they buy the commodity and sell it to the customer, unlike conventional banks that engage in usurious financing.

As for the seller selling something with the condition of reclaiming it, this is a forbidden sale because it contradicts the buyer's perpetual ownership of the commodity and is often a trick for usury. It is called "Amanah sale" (trust sale) or "Wafa' sale" (fulfillment sale), where a person in need sells real estate or movable property on the condition of reclaiming it upon bringing the price. This contract is not permissible in Sharia because it is, in reality, "a loan that brings benefit," which is a circumvention of usury. The majority of scholars have agreed on its invalidity, and the Islamic Fiqh Academy has ruled it forbidden. If the sale is forbidden, then mediating in it is also forbidden, based on the Almighty's saying: "And do not cooperate in sin and aggression."