سوال

Extra charges of sim companies after giving loans or advances to users ?What is the legal status in the previous Case ?

اَلجَوَابْ بِاسْمِ مُلْہِمِ الصَّوَابْ

The amount provided by a mobile company to a customer in the form of an advance loan is, in essence, compensated for by the company charging a higher price for its services. For example, a service that the company ordinarily provides for 20 rupees on a prepaid basis may be provided for 27 rupees when availed on postpaid basis. Therefore, the additional amount charged does not fall under the category of interest (riba).

Accordingly, availing such a loan is permissible in cases of genuine need;

البحر الرائق شرح كنز الدقائق ومنحة الخالق وتكملة الطوري (7/ 297):

 وشرطها أن تكون الأجرة والمنفعة معلومتين لأن جهالتهما تفضي إلى المنازعة۔

الدر المختار وحاشية ابن عابدين (رد المحتار) (6/ 27):

وتجوز بمثل الأجرة أو بأكثر أو بأقل بما يتغابن فيه الناس لا بما لا يتغابن.