What is the ruling on one who takes a Murabaha loan from an Islamic bank? And what should he do?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The bank's method of dealing is not clear enough to rule on. If the intended "Salam loan" is "organized Salam," then some scholars have prohibited it due to its resemblance to organized Tawarruq, where procedures take place only between the client and the bank, and they consider it a deceptive practice leading to circumvention of the , while others have defended it. In conclusion, organized Salam still requires further research and rulings from Fiqh academies. It is preferable to avoid it until the doubt is removed.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/121268
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 121268
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy