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What is the ruling on working in the preparation of tenders for a company that insures projects and workers, and extracts bank guarantees without full financial cover?

1 min readAlso available in العربية

If the conditions included in the booklets are imposed by the state and must be dealt with, then those who deal with them are excused, despite their dislike and disapproval of what is unlawful. They should intend, by their signing, what is permissible. There is no objection to preparing these booklets as part of what a person prepares. However, Article 89, which states the contractor's right to benefit from delay interest based on the banking interest rate applied to short-term loans, is a prohibited clause and it is not permissible to act upon it. Similarly, usurious bank guarantees and prohibited commercial insurance are not permissible; they can be replaced by legitimate bank guarantees and permissible cooperative insurance.

Summarized from the full answer at Ftawy · reviewed Sep 2, 2026

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