«إذا تبايعتم بالعينة و أخذتم أذناب البقر و رضيتم بالزرع و تركتم الجهاد سلط الله عليكم ذلا لا ينزعه حتى ترجعوا إلى دينكم»
(د) عن ابن عمر.
423 – It is reported that Ibn ‘Umar (may Allah be pleased with him) said that the Messenger of Allah (peace and blessings of Allaah be upon him) said:
“If you use’ ina  in trade , grab the tails of your cows and content yourself with farming and abandoning jihad, then Allah will inflict humiliation on you, from which you will not get rid of until you return to your religion. ”
This hadith was narrated by Ahmad 2/28, 42 and in “al-Zuhd” 20/84 / 1-2, Abu Dawud 3462, at-Tirmidhi, at-Tabarani in “Mu’jam al-Kabir” 3/207/1 and 3/107/1, Ibn ‘Adi in al-Kamil 2/256, al-Bayhaqi in Sunan al-Kubra 5/316, Ibn Abu Sheiba 1/1.
Sheikh al-Albani called the hadith authentic. See Saheeh Sunan Abu Dawood 2956, Sahih al-Jami ‘al-saghir 423, Silsilah al-sahiha 11.
 – The books on Islamic jurisprudence (fiqh) explain that al-‘ina is one of the types of trade agreements. And despite the fact that this hadith contains a clear prohibition on the conclusion of such agreements, some scholars, not to mention ordinary people, still consider it permissible.
This type of trade is the following: a certain person buys a product from a certain merchant, for example, a car. They agree that the buyer takes this car in installments for a certain period for a certain amount, for example, ten thousand. Then the buyer returns to this seller and offers him the same car, but at a lower price. Let’s say for eight thousand, but for cash. The seller, who now becomes a buyer, pays less in cash than he sold the car for in installments. Thus, the first buyer receives eight thousand in cash, but he has a debt of ten thousand, of which two thousand are usury.
A Muslim who has ever heard the verses of Allah Almighty and the hadiths of the Prophet (peace and blessings of Allaah be upon him) forbid usury, should not use a form of trade in which there is at least some share of usury. However, some people allow “al-‘ina”, explaining that such a scheme is one of the types of trade, and backing up their words with general arguments that indicate the permissibility of commercial transactions. Like the words of Allah Almighty: “And Allah made trade permissible and forbade usury” (al-Baqara, 275)
They say: “This is just a sale and purchase, and there is no problem that someone overcharges or decreases it ! “
However, in reality, the buyer who bought the car for ten thousand in installments, and then sold it for eight thousand in cash, pursued only one goal, namely, he wanted to borrow eight thousand. But when he realized that this seller, who imagined himself to be a Muslim, would not lend him money for the sake of Allah, without demanding surplus (interest), both of them resorted to cunning and allowed themselves usury under the guise of trade.