To what extent is the bank's offer to grant social loans to company employees without interest valid, provided that the company has a current account with a credit balance ranging between 6-10 million dinars? Does the saying "every loan that draws benefit is usury" apply to it? Is it permissible for employees to benefit from these loans if the transaction between the bank and the company is not Sharia-compliant?

Every benefit stipulated by the lender in a loan is forbidden riba (usury), based on the Prophet’s (peace be upon him) saying: “Every loan that draws a benefit is riba.” This is because the benefit is stipulated within the loan contract. The agreement between the bank and the company to grant social loans to the company’s employees without interest, on condition that the company maintains a current account with a credit balance ranging between 6 and 10 million dinars, is considered forbidden riba. Efforts must be made to prevent this contract. However, if it is concluded, there is no sin upon the workers in benefiting from the bank’s interest-free loans if these loans are not tied to the aforementioned agreement.