About the Banks, Usury and Insurance

There is no Riba [usury] with those; because they are neither Muslims nor believers, and it is permissible to take interest from them, and it is permissible to take loan from them with interest. It is not obligatory to repay the interest to them but it is obligatory to repay the loan to them as long as they are neither engaged in warfare nor Nawasib. And with the inability, there is no obligation to repay them until ability to repay is obtained.