What is the ruling on a merchant paying deferred bills of exchange to a friend in exchange for a percentage as a gift, in order to obtain cash liquidity?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
What you have asked about has two scenarios:
The first: That it is a loan which you repay as it is, and you give the lender an additional amount upon repayment, as a gesture of generosity and without a prior agreement. This is permissible.
The second: That it is a loan with an agreed-upon repayment involving a percentage increase. This is forbidden usury (riba), and naming the increase a "gift" does not change the ruling of its prohibition.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/69375
Where this answer came from
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- Ftawy
- Original fatwa ID
- 69375
- 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