Does the owner of a furniture store engage in usurious dealings if he deals with banks that offer non-usurious loans to customers, where the bank pays the full amount to the store and the customer repays the bank in installments, with an increased amount charged to the customer if he delays payment? And what is the way to avoid this, taking into consideration that not dealing in this manner causes loss to the store owner?

The condition of increasing the amount of a loan if repayment is delayed is the usury (riba) of the pre-Islamic era (Jahiliyyah), which is forbidden by unanimous consensus. This type of usury is what banks practice; therefore, it is impermissible to borrow from them or to assist them in such transactions. It is narrated on the authority of Jabir (may Allah be pleased with him) that the Messenger of Allah (peace and blessings be upon him) cursed the one who consumes usury, the one who feeds it, its scribe, and its two witnesses, stating that they are all equal (in sin). Commercial establishments that assist in usury are sinful and must avoid such transactions. However, if the agreement is directly between the bank and the buyer, without the seller's mediation, then there is no blame on the seller, and the sin rests upon the buyer and the bank.