What is the ruling on the transactions of the Tunisian Zitouna Bank regarding a car purchase contract after the bank waived the late payment penalty and commercial insurance?

The contract is generally acceptable, but the bank should avoid authorizing the requesting party to purchase and take possession of the commodity. This is because the bank is not permitted to authorize its client to make the purchase in a Murabaha sale to the requesting party. Instead, the bank must authorize someone other than the requesting party.