Working in insurance companies and actuarial business : working in Internet marketing company

السؤال

Dear Dr. Monzer, Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh, Following is a financial question about working in Internet marketing company Al Salam Alaykum Wa Rahmatu Allah Wa Barakatuh ! We would like to know whether working in a company that uses the following strategy for marketing is Halal or Haram : it`s a multi-national company that uses network marketing as a way for marketing its product. It starts when you pay 60 $ for one of the following two options : 1-You get a watch (4-6 weeks is the delivery procedure) 2-You Can choose a gold product in the future without tagging it (Reserving it) the plan works as following : you start referring people to the company ,that will come and buy a product exactly as mentioned before (Either Direct Watch or choosing a gold product in the future) so they also become themselves costumer so they can start also referring people to the company. The company gives you commission using the following calculations : they use the binary system : you only have two legs (each represent your direct down line) whenever three people join on your left hand side and another three on your right hand side you`ll get a commission of $ 30 It should be noted that it doesn`t matter whether those three people who joined the business are referred by you or by your down lines. In other words, when you refer people, you will earn commission and also when these people under your organization refer people you will also earn commission. As mentioned above, whenever three people will join your left hand side and three other people join your right hand side you will earn a $ 30 commission And this will be called a step (each $ 30 = 1 Step) According to the plan, each 5 steps will be paid as following :-4 Steps Cash (4 x 30 = $ 120) -1 step Vouchers (1 x 30 = $ 30) This 1 Step (Vouchers) will be reserved in our account considering one obligation is that you will have to buy a product later on. It should be noted that all the company`s product are gold products (coin-earing-necklace... etc.) this fifth step will be added to the tenth step and to the fifteenth step and so on... till it reaches a minimum amount of any products price, so we can choose it after collecting its price and then we can redeem it and buy it should be noted that : 1-the company has an agent that he will personally deliver us the product. 2-any product will be delivered within 4 to 6 weeks when it is redeemed. Also, it should be noted that : 1-It`s an E-commerce business which means that all the transactions, calculations, and commissions are through the internet. 2-all people when presented to the business were informed that people above them will earn commission after their registration and also they will after they refer people too. 3-all the products are valuable and worth their values. 4-all the commission earned are under the form of E-money, mainly there are three ways to en-cash the money : a-you can transfer to your bank account, plus you will lose 4 % due to transaction fees. b-you can issue a check. c-you can buy e-card that will allow you to sign up (refer) people to the company through it (knowing that the e-card is an ID number that is a must to have in order to be a customer in this company and it worth 60 $). For example : if somebody decided to join this business will need an e-card to join, so if any customer has a commission of 60 $, he can exchange it with an e-card and thus he can take the 60 $. for further information, please check the rules and regulations listed in the company`s website. www.goldmineint.com Notes : the products worth its value and we are not pyramid ! please check it again coz the last fatwa did not help us about Goldquest and gold sellers online. please give me a Fatwa (Halal or Haram) as soon as possible) Jazakum Allahu Khairan for your constant help Yours, Adnan

جواب الفتوى

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تاريخ النشر

2009-04-14

التخصصات الرئيسية

العلوم الاقتصادية والمالية وإدارة الأعمال
الدراسات الإسلامية

عدد الصفحات

2

نوع البيانات

فتاوى

لغة النص

الإنجليزية

رقم السجل

BIM-731142

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