We are a charitable organization that was requested by one of the Islamic institutions to offer zero-interest loans. Based on this, we receive a sum of money with the condition that it is provided as revolving zero-interest loans to the beneficiaries and trainees from the organization. A 2% deduction is made from the borrowing beneficiary for the lending organization, and the beneficiary receives the amount with a 2% deduction (as a service fee for the lending organization). The beneficiary is required to repay the full amount along with the 2% discount. Is it permissible to compel the borrower to pay the amount along with the total loan value, unrecoverable to the lending organization, in lieu of services, considering that the 2% will be allocated to the organization`s general expenses: employee salaries, water, electricity, internet? What is the ruling of Sharia on this?