Is investing in the "MLM Business Shop" company, which operates in the field of advertising, IT, and technology development, and generates profit in two ways: first, by purchasing advertising shares (packs) that yield a monthly profit of 25% of the invested amount for a year, with a monthly payment of $49 for VIP membership to withdraw profits or reinvest; and second, by attracting other investors and receiving 8% of their investments, permissible or impermissible (halal or haram)?
The aforementioned system is impermissible to deal with, because guaranteeing profit and knowing its exact percentage (25% monthly for one year) takes it out of the permissible forms of mudarabah (profit-sharing partnership) or trade. This is indistinguishable from the meaning of riba (usury).
As for bringing in new people and receiving a percentage of their invested money, this is multi-layer marketing, also known as network or pyramid marketing, which is forbidden in Islamic law.
Summarized from the full answer at Ftawy · reviewed Sep 2, 2026
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