Is the increment paid by social insurance in Egypt—given that it is a governmental body responsible for the welfare of its citizens—considered a grant and a form of sponsorship, and thus not usury, or does the ruling not differ whether it is a governmental or non-governmental institution?

Working in social insurance is not permissible because it involves gharar (excessive uncertainty/risk), and because the worker pays a part of his salary to receive more than he paid, and because the collected funds are deposited in usurious banks. These reasons necessitate prohibition, whether the institution is private or state-owned. If the state were to deduct a fixed percentage from the employee's income without alteration, and did not invest the funds in usurious ventures, then social insurance and working in it would be permissible, because what is disbursed to the employee then would be considered a free grant from the state.