Is the $3,0 that the Islamic bank adds to the price of the commodity when selling it in installments considered usury?

The criterion for Islamic banks lies in their adherence to the provisions of Sharia (definition) in their transactions and investments, not merely in their name. To rule on transactions, one must refer to trustworthy scholars, as Allah Almighty says: "So ask the people of the message if you do not know." Regarding the question, the issue differs from the ruling on a loan. An increase in a loan is usury (riba). However, in a sale, it is permissible for the seller to buy at one price and sell at a higher price, whether cash or deferred, provided there is mutual consent and agreement on the price.