Is it permissible to borrow from the bank using the Murabaha method, where the bank pays the price of goods (sugar and sugarcane) to a client, and the client repays the price of the goods to the sugar and sugarcane production company in monthly installments deducted from his salary, and the bank receives the goods monthly with a 6% administrative fee from the client?

Perhaps the questioner is referring to organized salam (forward sale), the form of which is that the client signs a salam contract with the bank, through which he sells a commodity with specific characteristics at a specific time and receives the price immediately. Then, he authorizes the bank to purchase the same commodity from a company, on the condition that the commodity is delivered directly to the bank in monthly installments. In this way, the client becomes indebted to the bank for more than what he received in cash. Then, the bank sells the commodity in the international market for its own account. Many scholars view these contracts as fictitious and a deceptive stratagem to engage in usurious lending, and they are similar to the prohibited organized tawarruq (monetization). Prominent scholars in Islamic economics have warned against them. This topic still requires further research and a collective decision. And Allah knows best.