As a student of Islamic banking and finance, how do you evaluate below cases and, provide Shariah rulings whether these are Shariah compliant or not with valid reasoning/justification not more than 3 lines

1. Mr. Bilal has purchased a washing machine from Electronics Hub Inc. on installment basis for 6 months. However, it was also agreed at the time of sale that if Mr. Bilal pays the price before 6 months than the sale price will be decreased.

4) Mr. Usman gives loan of Rs 1 million to Mr. Ali on 0% interest. Mr. Ali has a Fruit and Vegetables Supply Store in the city. Since Mr. Usman has established relationship with Mr. Ali as a result of this loan transaction therefore Mr. Ali, delivers his weekly supplies with zero delivery charges, while his normal delivery charges inside the city are PKR 200.

Subject: Islamic Banking and Finance