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Is the international murabaha for study provided by the English government to its citizens, which is characterized by paying tuition fees directly to the university, adding the inflation rate, and a variable profit margin depending on monthly income after graduation, with the debt being dropped in certain cases such as not getting a job, death, or the passage of 30 years, considered a valid murabaha based on the availability of the conditions of not guaranteeing capital in case of loss and the known share of each party in the profit?

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What is mentioned in the question is not a Murabaha contract, but rather a loan with interest; because the state pays the tuition fees on behalf of the student and records it as a debt on him, and the inflation rate is added to the fees. The European Council for Fatwa and Research has permitted benefiting from student loans provided by European countries if these loans are without usurious increase tied to the cost of living index; because they are inherently free from usurious increase, and the laws regulating the collection of installments take into account the students' circumstances, their interests, and their ability to repay.

Summarized from the full answer at Ftawy · reviewed Sep 2, 2026

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