My wife wants to help me apply for a loan from the ‘Abd al-Lateef Jameel Fund (Bab Rizq program), by applying on the basis that she is going to set up a small business by herself. The people in charge of the Bab Rizq fund will examine her application. If they agree and she gets the money, I will take it from her and open a legitimate business or something else that will benefit us. Is that permissible? Please note that we are in urgent need of this money.
There is nothing wrong with taking loans that do not involve paying any interest.
If your wife takes a loan, she may give it to you by way of a loan, or as a gift or partnership. But if she takes a loan in order to work on a specific project, then she has to fulfil that, because the Prophet (blessings and peace of Allah be upon him) said: “The Muslims are bound by their conditions.” Narrated by Abu Dawood (3594); classed as saheeh by al-Albaani in Saheeh Abi Dawood.
It is no secret that it is not permissible to lie, deceive or use tricks; rather it is obligatory to adhere to the terms of the contract between your wife and the lender.
And Allah knows best.