What is the ruling of Sharia on my borrowing a sum of money from an Islamic bank with the guarantee of goods (mobile phones) that I had not yet received, then I received the amount in cash from the shop owner, and I lent it to my cousin, then I recovered the amount, knowing that I later invested the amount in commercial projects? Was my action correct or incorrect? And how can the error be corrected if it exists?

This transaction has two scenarios:

1. A real murabaha transaction takes place between the bank and the questioner, then the questioner sells the commodity to the shop owner for the same price at which the bank purchased it. This form is permissible and is not among the forbidden 'inah sale.

2. There is no real buying and selling, but rather it is a loan with interest. This transaction is forbidden, and one must repent from it. The questioner's disposal of the loan is valid because the sin relates to his own accountability.