What is the ruling on working with the pharmaceutical company "Genius"? Is the fixed profit margin (20%) realized every three months, in addition to the commission (38%) for bringing in new investors, considered permissible (halal) or impermissible (haram)? Does the ruling differ if these percentages change according to the company's profit? If the transaction is impermissible (haram), is it permissible to take the money earned and spend it on da'wah (Islamic proselytizing) or charitable activities?

It is forbidden to invest in the aforementioned company for several reasons:

1. Capital Guarantee: Guaranteeing capital in an investment is considered a usurious loan contract. The company should not be obligated to return the capital in case of loss unless there is transgression or negligence.

2. Specifying Profit as a Percentage of Capital: The profit should be a common percentage of the actual profits (e.g., one-third or one-half), not a fixed amount or a percentage of the capital. A 20% profit from the capital, combined with a guarantee of the capital, invalidates the contract.

3. It is impermissible to enter into a usurious contract with the intention of donating the interest to the poor, because Allah is good and accepts only what is good.

4. The mentioned multi-level marketing is forbidden because it involves the participant paying money, whether it is called a subscription or an investment.