Are murabaha transactions in bank loans considered usury, and if so, what types of murabaha are permissible?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
A loan (qard) is giving money to someone to benefit from it, for the purpose of helping them, and it is not permissible for it to be a means of profit. As for murabaha (cost-plus sale), it is a contract of exchange (mu'awadah) whose purpose is profit, and it is permissible if it adheres to Shariah guidelines and is not a trick to disguise usury (riba). It should not be called a loan.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/123535
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 123535
- 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