Is it permissible to obtain a loan from an Islamic bank to establish a clinic in partnership, whereby the land and management are provided by its owner, and the construction and equipment are provided by the bank, on condition that the net annual profit be divided equally, with an additional condition allowing the project owner to possess the clinic in exchange for paying an additional 20% of the net profit to the bank until the amount paid by the bank is settled, so that the division becomes 30% for the project owner and 70% for the bank during the repayment period, knowing that this repayment does not include any usurious increase?

It is permissible for the bank to participate in building a hospital, with profits shared according to the agreement and losses borne proportionally to each party's share. The land must be appraised at the time of the contract. The bank may gradually sell its share after the completion of construction. Among the conditions for diminishing Musharakah are: that the promise be binding on one party, that a sale contract be concluded upon the acquisition of each share, and that it is not permissible to commit to purchasing shares at their initial value, but rather at their market value on the day of sale. Contracts must be separated, and profits must be determined by common percentages, not a lump sum.