Is a daily variable increase of 1% to 2% on the capital deposited in online investment companies that operate in scientific research or silica mining considered clear usury?
In permissible Islamic investments, it is not allowed to guarantee profit or capital. Whatever profit is gained is distributed according to the agreement of the partners or the capital invested. In the event of a loss, if it is a (commenda) contract, the loss is borne by the capital owner, and the agent (worker) loses their effort. If it is a partnership (), the loss is borne proportionally to the capital contributed by the partners. Thus, the loss is according to their capital contributions, and the profit is also according to their capital contributions, based on Malik's saying: "The loss is according to their capital contributions, and the profit is according to their capital contributions." And according to Al-Zayla'i's saying: "The loss is according to the two capitals." And according to Ibn Qudamah's saying: "The loss is according to the capital." It is also a condition that the field of investment be permissible. Consequently, it is not permissible to invest money in companies unless their dealings comply with regulations and the contract is valid.
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