What is the ruling on working as an internal auditor in a Saudi installment company that sells goods through a lease-to-own system, knowing that the sales mechanism includes non-refundable fees, and the company’s purchase and ownership of the commodity before selling it in installments through two contracts (leasing and a promise to own), and the leasing contract includes certain conditions such as mandatory comprehensive insurance and the company’s right to reclaim the commodity? And is it permissible to work there if it refrains from activities related to usurious loans, which the company states it will soon repay and replace with Islamic alternatives?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
The aforementioned contract is one of the forbidden forms of " muntahia bittamleek" (lease ending in ownership). It is not permissible to work for a company based on this transaction, as it involves assisting in sin, unless there is another permissible work within it.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
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- 107982
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- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
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