Buying
      with funds from a savings scheme when he is one of the members of the
scheme
Question

                We have
      a fund whereby each member gives an initial payment (500 riyaals) then
      makes monthly payments (100 riyaals). After a while, the fund grew and the
      people who were in charge of it were able to buy cars with cash and sell
      them by monthly instalments for a higher price. Some of the members of the
      savings scheme and other people bought the cars.
      
      The
      first question is: what is the ruling on people who bought these cars in
      the manner described above, who were also members of the savings scheme?
      
      The
      second question is: what is the ruling on a person who bought a car in the
      manner described above, who was a member of the savings scheme but was
      unaware (of the connection between the scheme and these cars)? If the
      answer is that it is not permissible, whether he has paid in full or is
      still paying?
Praise be to Allah.If this is based on the condition that one of the
      partners in this scheme can buy one of the group’s cars, then this is
      not permissible, because this comes under the heading of “two
      transactions in one”, since it involves partnership (being a partner in
      the scheme) and purchasing (buying the car). But if this is not a
      condition that was previously laid down, then there is nothing wrong with
      it.
      
      
 And
      Allaah is the source of strength. May Allaah bless our Prophet Muhammad
      and his family and companions, and grant them peace.