Arranged invoices to obtain cash from Islamic banks

فواتير متفق عليها للحصول على نقد من البنوك الإسلامية

A question about arranged invoices to obtain cash from Islamic banks, in which Jordan's General Iftaa Department answered that using stratagems and arranging invoices with a seller to obtain cash from Islamic banks is not permitted, because it brings the sale close to an interest-based transaction. The Department answered that the apparent purpose of the transaction is to obtain cash through a stratagem, and that using stratagems and colluding with other parties to obtain liquidity is not permitted, because such devices bring the sale close to the form of an interest-based transaction. It cited a hadith reported by Ibn Batta in Ibtal al-Hiyal (p. 47), graded hasan by many scholars, whose meaning is a warning against making God's prohibitions lawful through the slightest stratagems, and referred to its earlier fatwa no. 516 on the prohibition of stratagems against Islamic banks.

Summary

The question

The questioner asked about obtaining financing from an Islamic bank by producing invoices arranged with the seller and then taking cash once the financing is approved, to pay debts and buy a car. ¹

The answer

The Department answered that the apparent purpose of the transaction is to obtain cash through a stratagem, and that using stratagems and colluding with other parties to obtain liquidity is not permitted, because such devices bring the sale close to the form of an interest-based transaction. ¹ It cited a hadith reported by Ibn Batta in Ibtal al-Hiyal (p. 47), graded hasan by many scholars, whose meaning is a warning against making God's prohibitions lawful through the slightest stratagems, and referred to its earlier fatwa no. 516 on the prohibition of stratagems against Islamic banks. ¹

About this record

Jordan's General Iftaa Department published this fatwa on aliftaa.jo as no. 4500, dated 22 July 2026. ¹ The museum records this text as a historical document attributed to the body or scholar that issued it; it issues no ruling of its own.

A charity accepting a commercial bank's support in return for thanking it in posts

A question about a charity accepting support from a commercial bank in return for thanking it in posts, videos and advertisements, in which Jordan's General Iftaa Department answered that donations from interest-based banks may be accepted if no promotion is required, that thanks given orally or by letter are fine, and that thanks through advertisements and posts are forbidden because they amount to promotion. The Department answered that promoting and advertising banks and financial institutions that deal in usury is forbidden, because it is assisting in what is forbidden. It said there is no objection to dealing with someone whose wealth is mixed between lawful and unlawful, or even mostly unlawful, so his gift or donation may be accepted unless the specific money given is known to be unlawful, provided this is not tied to promoting the donor; it quoted Ibn Hajar al-Haytami's answer in al-Fatawa al-Fiqhiyya al-Kubra that dealing with someone most of whose wealth is unlawful is disliked unless the unlawful item itself is known. It distinguished ways of thanking a supporting bank: oral thanks to its management, or a letter of thanks, are unobjectionable; thanks published in advertisements and videos are not permitted, because they amount to promotion. It concluded that donations from interest-based banks may be accepted if they do not require promotion, but are forbidden if given in return for promotional work, such as thanks in posts and advertisements.

Arranged invoices to obtain cash from Islamic banks

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A charity accepting a commercial bank's support in return for thanking it in posts