What is the ruling on dealing with an organization that supports buying a home by offering a gift of $20,000 after collecting $5,000, and then coordinating with a bank to increase the amount with an interest-based loan of $40,000, and does the gift justify paying the interest?

It is not permissible to engage in usurious transactions, as it is one of the major sins. The ruling does not change with the presence of a gift. Allah has threatened those who consume usury with war and the removal of its blessings. Thus, even if usury increases, its ultimate outcome is scarcity.

Regarding the amount required (five thousand) to obtain the gift: if it is paid to confirm seriousness and can be reclaimed at any time, it is a trust (amana). However, if it enters into the ownership of the organization and can only be reclaimed after a period, then it is a loan that draws a benefit, which is forbidden.

Therefore, obtaining this support through this method, which involves an interest-bearing loan, is not permissible. And whoever abandons something for the sake of Allah, Allah will compensate him with something better.