Fatwa No : 85616
Taking a commission for arranging a loan for someone

Taking a commission for arranging a loan for someone

“If a person (A) arranges a loan of 1.5 million for another person (B) from a third person or the government (C), and person (B) will repay this loan to person (C) in installments, then is it permissible for person (A) to take a commission for this? It should be made clear that without person (A), person (B) would not get the loan; rather, the loan is obtained solely due to person (A)’s efforts.

الجوابُ حامِدا ًو مُصلیِّا ً

“It should be made clear that in Islamic Shariah, it is permissible and lawful to receive compensation or wages in the form of a commission in return for one’s services in lawful and permissible matters, provided that those services involve actual effort, such as running around and working practically. However, merely making a recommendation or acting as a guarantor does not make it permissible to take a commission.
Therefore, in the case under question, if person (A) arranges a loan for person (B), and that loan is not interest-based, and person (A) has practically played a role in arranging the loan in such a way that his time or money was spent in the process, then in such a case it will be permissible and valid for person (A) to take a fixed or customary commission for arranging the loan; otherwise, it will not be permissible.”

مأخَذُ الفَتوی

کما فی صحیح المسلم :عن جابر قال لعن رسول اللہ ﷺ اٰکل الربا و موکلہ و کاتبہ و شاھدہ و قال ھم سواء (ج:2،ص:27،ط:قدیمی کتب خانہ)
وفی ردالمختار:و في الحاوي:سئل محمد بن سلمة عن أجرة السمسار،فقال:أرجوأنه لا بأس به و إن كان في الأصل فاسدا لكثرة التعامل و كثير من هذا غير جائز، فجوزوه لحاجة الناس إليه كدخول الحمام(ج:6،ص:63،ط:سعید)