This involves selling dirhams for

(Part No. 13; Page No. 307)  A: It is not permissible to transfer the loan you have lent to someone to a third person in return for receiving half or one third of your loan from the third person. This is a type of Riba (usury/interest). It is called selling a sum of money in return for another lesser sum of money. May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.