What is the ruling on the Sharia-compliant transaction conducted by a company that imports cars for its employees, where it sets the car's value at 9,0 dinars for those who pay the full amount, and the company covers 5,0 dinars (with an increase of 400 dinars over the loan amount) for those who pay 4,0 dinars, and 100 dinars are deducted from the employee's salary monthly until the loan is settled?

There is no objection to an employee paying the full price of the car to the company. However, if the employee cannot pay the full price, and the company buys the car and then sells it to the employee with part of the price paid immediately and part paid in installments with an increase, there is no objection to that, as it falls under permissible Murabaha. But if the company undertakes to pay the remaining price of the car and then takes it from the employee with an increase, this is prohibited usury (riba).