What is the ruling on an end-of-service bonus system in a foreign company that is based on deducting 5% of the salary, with the company adding 10%, and this amount being deposited in a bank account, along with receiving an annual statement of the deductions, contributions, and profits? Is it permissible to benefit only from the deducted portion, or from both the deducted and added portions while disposing of the interest? Is it permissible to participate with a higher deduction percentage while disposing of the interest?

It is permissible to benefit from the deduction from the salary or from what the company donates. It is also permissible to increase the deduction rate to obtain a larger donation. As for the interest on these funds, it is usury (riba), and it is not permissible to benefit from it. It must be disposed of by spending it on charitable causes. If it is possible to refrain from depositing the money in an usurious bank, then it is not permissible to accept that, even if it leads to leaving the job, except in a situation of compelling necessity where there is a fear of perishing or falling into excessive hardship.