What is the Shar'i ruling on the amendment made by the Islamic bank to Murabaha and Musawamah contracts, which stipulates the customer's commitment to pay 2% monthly of the overdue amount, to be deposited into a charity account after deducting the bank's actual expenses and with the approval of the Sharia Supervisory Board, and what is the ruling on my continuation of work at this bank which employs Hindu managers, knowing that I am compelled to test this amendment and currently have no alternative?

The preponderant view to us is the impermissibility of late payment penalties. Accordingly, it is not permissible to work in their approval and imposition on customers. If the bank obliges you to do so, then leave the work unless there is no other work available and you are in need of it, in which case it is permissible to remain to fulfill that need. A layperson, when scholars differ on an issue, is allowed to follow whomever they wish among them, provided they are not merely seeking out concessions and easy opinions.