Is it considered usury for Omar, through his agent Abdou, to buy an item (such as a refrigerator) in order to sell it to someone else in installments over one year with a 35% interest rate?

The question regarding the involvement of (Walid) and (Ali) is unclear. However, the transaction can be made permissible by structuring it as a Murabaha to the one who commands the purchase (Murabaha lil Amiril Bishira'), and its description is as follows: A person requests an institution to purchase a specific commodity for a defined profit (which is a non-binding promise according to the majority of scholars). Then, the institution buys the commodity and it enters into its possession. After taking possession, it sells it to the one who commanded the purchase on credit at a higher price. It does not matter if the commodity is registered directly in the name of the buyer, as long as it has entered into the ownership of the seller first. Caution must be exercised to ensure that the transaction does not become an interest-based loan where the lender pays the price on behalf of the borrower with an increase.