Q: I am a governmental employee, and I am well-off. When anyone wants to buy anything, whether electrical devices, furniture, ceramics and such stuff, they come to me to go with them to the shop. They pay a deposit according to our agreement, which is one quarter of the value of the item, and I pay (Part No. 13; Page No. 334) the rest of the money in cash. Then, the buyer pays me monthly installments for two years, in return for the 25% added to the value of the item, without counting the paid deposit. For instance, there is an item with the price of 100 L.E. The buyer pays one quarter of the price, which is 25 L.E., and 25% is added to the rest of the price, which is 75 L.E., in return for letting them pay the money in installments for two years. Thus, the total value of the item becomes 118.75 L.E. Is this considered a form of Riba (usury)? What is the lawful way to deal with the people who cannot afford to pay the price of the item in cash and on the spot? If there is an item where its price in installments is more than its price in cash, is this increase considered Riba, given that the owner of the shop will give the buyer a period of time, about two years, to pay its price?