Fatawaa

Subject : Ruling of Islamic Law on Developing Applications and Software Related to Finance
Fatwa Number : 3978
Date : 18-06-2025
Classified : Usury (interest) &Loans
Fatwa Type : Search Fatawaa

Question :

We are a software company working in financial and accounting fields. We have been asked by a company to establish an electronic link with a financing company through an intermediary e-wallet company. This link will be for the purpose of accessing the financing company's service, where the required service is for the client of the financing company to repay their loan installments or withdraw the loan amount. What is the Sharia ruling on this?


The Answer :

All perfect praise be to Allah, The Lord of The Worlds. May His peace and blessings be upon our Prophet Muhammad and upon all of his family and companions.

The ruling on working in the company varies depending on the nature of the programming and the service it provides, as well as its intended purpose. If the programs are specialized for usurious institutions, or are exclusively used for matters related to forbidden lending, facilitating its means and methods, and aiding it, then working with them or assisting in them is forbidden. This is based on Allah's Saying of (What means): "And cooperate in righteousness and piety, but do not cooperate in sin and aggression. And fear Allah; indeed, Allah is severe in penalty." [Al-Ma'idah/2].

However, if the nature of the programs and services provided by the company is neutral, usable in all banks and in all types of work, and not exclusively limited to aiding in forbidden acts, then there is no sin in working for this company. This is because these are neutral programs, and the ruling on their misuse falls upon the user.

In conclusion, if the programs and applications are neutral in nature, usable for permissible contracts and potentially for forbidden contracts, or if they are specifically for debt collection and not related to the completion of forbidden contracts, then there is no sin in working on them. However, if the applications are specifically designed for obtaining interest-based loans (Riba-based loans), then this is forbidden (Haram) and it is not permissible to work on them. And Allah The Almighty Knows Best.






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