Is the increase of ten dinars for every thousand dinars that "The Rural Women's Cooperative Society for Saving and Lending" lends to its members from the members' funds, a portion of which is distributed to the members, considered explicit usury or not, given the Society's claim that it is not usury for the reasons mentioned?

Lending to a participant in an association with the condition of a 1% increase is usury (riba), which is forbidden by Islamic law, whether the money belongs to the participants or was donated by them to the association. In both cases, usury affects both the lender and the borrower. Muslims have unanimously agreed on the prohibition of stipulating an increase in a loan, even if it is small. What is obligatory is to provide a good loan (qard hasan (definition)) without any increase. If there are actual administrative costs for providing the loan, it is permissible to take these from the borrower without any increase beyond them.