Is it permissible to take an early retirement pension from a Riba-based bank due to the absence of another alternative, knowing the severe need for money and the desire to devote oneself to worship and family?

Your intention to quit your job and stay home to care for and raise your children, and to fulfill the rights of your sick mother, are commendable matters. If you retire and receive your due funds, you must seek lawful ways to invest them, such as depositing them in an Islamic bank or entrusting them to a trustworthy person to invest them on a profit-sharing basis. Avoid usurious banks. We alert the questioner that if her retirement from work would lead to a dereliction of her duty to care for her mother in terms of financial support and treatment costs, thus abandoning her mother to destitution, then it is obligatory for her to remain in her job until Allah facilitates a suitable alternative for her.