What is the ruling on a cooperative taking a 3% commission from the total price of a commodity from the worker in exchange for guaranteeing the money to the seller, knowing that the worker receives his goods directly from the seller in some cases?

It is permissible for the cooperative to purchase goods from merchants on credit at a specific price, then sell them to workers in installments at a higher price, provided that the debt to the merchants is settled. If the cooperative acts as an agent for the workers in the purchase, it is permissible for it to take a known fee for the agency. It is not permissible for the cooperative to take a percentage if the workers buy directly from the merchants, because its role then is limited to guaranteeing the purchase, and it is not permissible to take a fee for a guarantee.