What is the ruling on investing in Albilad Bank's investment funds: Al-Marabih, Al-Saif, and Asayil?

First: The ruling on subscribing to Bank Al-Bilad was previously clarified.

Second: After reviewing the fund system, it became clear:

1. Murabaha Fund: It invests in commercial Murabaha operations for buying and selling popular commodities (excluding gold and silver) to achieve profit, in accordance with Islamic Sharia.

2. Asayil Fund: It invests in pure Saudi company shares that comply with Islamic Sharia.

3. Al-Saif Fund: It invests in selected Kuwaiti shares according to the Sharia guidelines approved by the "Global" Islamic Index.

Dr. Yusuf Al-Shubaili stated that the Asayil and Al-Saif funds do not invest in companies that borrow or deposit with usury (riba), and that the Murabaha fund specializes in trading permissible international commodities through deferred payment sales.

If this is the case, then there is no harm in investing in these funds.