What is the correct way to return an amount of 6 million dirhams taken from the mother's money without her knowledge, while attempting to conceal the matter from her, and is it permissible to take an interest-bearing loan to pay the amount in one lump sum to alleviate pangs of conscience?

It is not permissible to give charity from money taken without the owner's knowledge; it must be returned to them. If the owner is absent, one should wait for their return or deliver the money to them. The default is to return the money in one lump sum and immediately. It is not permissible to take out an interest-bearing loan to return it, except in cases of extreme necessity. If you are unable to return it in one lump sum, it is permissible to return it in installments according to your capability. There is no need to inform your mother that you took her money; it is sufficient to return it by any means that ensures it enters her possession.