The challenge of permission of usury with interest from non-Muslim monetary and financial institutions

Today, many Muslims live in non-Muslim countries and naturally have to use vital resources and facilities to continue living there. One of these sources is practicing usury from non-Muslim monetary and financial institutions in those countries. Permission or prohibition of that is one of the major challenges for Muslims in those countries. In Shi'a jurisprudence, different theories have been put forward in explaining the permission (Helleiiat) of usury; the theory of not aiming the borrowing by Muslims, the theory of Trophy, the theory of seeking to extricate, the theory of necessity and the lack of hardship. This paper, by critically rethinking and rejecting the four mentioned theories, analyzes and permits the usury from non-Muslim monetary and financial institutions through the theory of real power and the purchase of money and its financial and exchange value. According to this theory, if the aforementioned power and value do not change in the short term, the permission of such facilities will be explained by the theory of necessity and lack of hardship.