What is the ruling on preparing the accounts of a savings fund that deducts 5% of an employee's salary monthly, with the company paying 10% of the employee's balance, and offering an optional advance with a 5% interest deducted in advance, along with the possibility of obtaining an interest-free advance, and distributing the collected interest among the participants, excluding those who refuse, knowing that the person in charge of the accounts is entitled to an annual bonus?