What is the ruling on a web analyst working for a financing company that operates on a murabaha basis, offering 60% of the financing value to lenders via its website, and determining a profit percentage for lenders based on risk levels (6% for low risk, 7% for medium, 8% for high), while collecting a 1% fee for the company? And if it becomes clear that the company violates Sharia, would his responsibility be absolved by designing the website to comply with Sharia regulations, or must he immediately cease working?

It is permissible for the company to sell goods to the factory through a Murabaha contract after acquiring and possessing them, provided that the contract is free of usury. It is also permissible for the company to charge non-refundable administrative fees. Furthermore, it is permissible for several parties to participate in financing the Murabaha as partners, not as lenders. The distribution of profits can be either based on the proportion of capital contribution or by distinguishing the company responsible for management. However, it is not permissible to differentiate between shareholders in the profit ratio based on the degree of risk; for losses must be borne in proportion to the capital without preferential treatment, and any condition that contradicts this is void. Therefore, a website for the company should not be designed until these violations are corrected.