Is it permissible to take out an interest-bearing loan from a bank with a 2% interest rate to establish a factory, along with a three-year tax exemption, instead of gathering the money through personal efforts which may not guarantee reaching the required amount?

The questioner must avoid interest-based borrowing and turn to lawful earnings and contentment with what Allah has provided. For contentment, coupled with faith, is the path to success and salvation, as stated in the Hadith (definition): "Successful is he who embraces Islam, is provided with just enough, and Allah makes him content with what He has given him." It is impermissible to achieve good objectives through unlawful means.