What is the ruling on selling by installments when there is a difference in price between cash and installment sales, and is this considered usury? Also, is it considered usury to sell an item bought for one hundred pounds cash for one hundred and twenty pounds, as the merchant would have sold it on installments?

The first scenario: Permissible, provided that both parties agree on one of the two transactions (cash or installment) to prevent ambiguity regarding the price.

The second scenario: Permissible if the person legitimately purchases the commodity, it enters into their possession, and then they sell it to the one requesting it.