Whether the conventional shop-owner association agrees with the Shariah 2876588787

In our area, traders form a kind of association. There are two parties in the association. One. Owner party. Two. Member party. The owner's agreement with the members is as follows: The term of the association is one year (365 days). The owner will withdraw the daily fixed amount of money (1000/2000/5000) from the member's shop. In this way one year (365 days) will raise money. At the end of the year, the owner will return 360 days 'money to the member, and the remaining 5 days' money will be left by the owner for the daily withdrawal fee. Note that the owner himself goes to the store to withdraw this money or hires an employee on salary to withdraw the money. As long as the money is in the hands of the owner, the owner can use the money independently for any purpose. Some of those who are members have the intention to withdraw this money at the end of the year after depositing money for one year. Again, if someone has the intention, he will apply to withdraw the money that he will deposit in 360 days (for example, if you deposit 1000 rupees daily, three lakh sixty thousand rupees) in the middle of the year. The owner will have the right to accept or reject his application. Even if you accept the application, sometimes you pay for the whole year or pay less than that. (However, it is always more than the current deposit.) And someone becomes a member of the association by making such an agreement. In that case the owner pays the member 360 days in the middle of the year due to the agreement with the member. In the above case the owner does not accept any additional money from the member for more than five days. I want to know from Mr. Mufti, is this transaction valid in the eyes of Shariat? If it is not valid, what changes should be made in order to do it according to the law? 4268732295