Using a sum of the borrowed money in trade

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Q: Would you kindly tell me your opinion concerning the following: I have borrowed a sum of money from a bank. It is 80,000 Riyals but they deducted what the bank called commission, fees or charges for official papers, which means that I did not receive the complete sum even though I paid the entire amount to the bank. I added part of this money to my trade but I regretted doing this. I wept and I seek forgiveness from Allah (Exalted be He) and I repent to Him from every sin. Could you kindly advise me regarding the expiation of this act. I am afraid of Allah's wrath and I fear for my trade to grow illegally due to the unlawful sum of money which I used. I appreciate your guidance. May Allah guide you.

A: This way of dealing is a form of usury which is one of the major sins. Its expiation is to seek the forgiveness of Allah (Exalted be He) and to be sincere in your repentance. In addition, you should regret what you have done in the past and not repeat that action again. May Allah forgive you for what you have done! May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.