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Question: Dear Dr. Monzer Kahf,Assalamu Alaykum wa Rahmatullah. I live in. Like any other Scandinavian Cities, housing is an extremely difficult thing in Stockholm. Since I have finished my studies a few years ago, I have been facing severe difficulties related ....

Subjects: Purchasing; Real property

Question: Dear Prof Monzer KahfAssalamu o AlaykumI want to know that how the car leasing (Ijarah) offering in Pakistan Mezaan Bank is Halal. I shall ask u this question in detail later, but first as you know, the banking system (invented ....

Subjects: Automobiles; ٌLeasing

Question: [Question One]Salaam,Hope you and your entire household are doing great. Sorry, we could not communicate since after the course in Kaduna.Kindly help me with this clarification pls.There is this micro finance bank that does a bit of Islamic banking whereby ....

Subjects: Banks; Investments

Question: Assalamu’ Alaikum Dr. Monzer KahfPerhaps you have heard of the al-Awfar Scheme that is being advertised by Bank Islam in Malaysia. I would like to know your opinion about this scheme. The Shari’ah Council in Malaysia said that it is ....

Subjects: Awards; Bank deposits

Question: [Question one] :Salam u Alakum Br. Monzer,I have heard that obtaining financing from a bank for a bank owned home (foreclosure) is not Haram. The reason for this is because it only involves two parties (buyer and seller) as opposed ....

Subjects: Financing; Housing; Islamic jurisprudence

Question: [Question One]Dr. Kahf,Hope you are well. I have the opportunity to be part of an online affiliate program that sells others' products on websites through online ads, and makes revenue from that. [commission]I am comfortable with most of the products-sometimes ....

Subjects: Documents; Lying; Marketing; Products; Taboos

Question: Aslamoalaeekum,I live in London and I am writing to humbly request your help on this issue. I hope you will know better on what Islam says on this one. I urgently need some money and I cannot find anyone to ....

Subjects: Credit cards; Islamic jurisprudence

Question: Aslamoalaeekum,I live in London and I am writing to humbly request your help on this issue. I hope you will know better on what Islam says on this one. I urgently need some money and I cannot find anyone to ....

Subjects: Credit cards

Question: Dear Dr. Kahf :I am interested in refinancing my house hopefully with Islamic financing. I have checked some Islamic Financing companies. They have all sorts of contracts which make it look as though it is Islamically Ok. Further research revealed ....

Subjects: Purchasing; Real property

Question: Assalammu Alaikum,I hope you are well and in good health wherever you are. I am Hayati from Malaysia and I attended one of your courses back in April 09 in Kuala Lumpur, Malaysia. We are in the midst of reviewing ....

Subjects: Islamic jurisprudence; Liquidity (Economics)

Question: [Question one] :Dear Mr. Monzer Kahf,Hope you are doing well, and your flight from Bishkek was enjoyable. I also hope that you liked our country. As you remember, we had a conversation about Islamic monetary operations instruments and you suggested ....

Subjects: Derivative securities; Islamic jurisprudence; Liquidity (Economics); Usury; al-Qard al-Hasan

Question: [Question one] :Respected Sir,Assalam Alaikum,Hope this finds u in best of your health and spirit. I m a new immigrant to Canada .Recently I did my certification in life license course and have got an opportunity to work in Sunlife ....

Subjects: Inflation (Finance); Insurance; Islamic jurisprudence; Sales; Usury

Question: AssalamuAlikumI’m Zarjoon,My question is regarding insurance tax in airlines ; actually each passenger has to pay tax for insurance, except for few airlines. Insurance is Haram in Islam, please give me a Fatwa for insurance tax is permissible ? Because ....

Subjects: Interdependence; Islamic jurisprudence

By: Abd al-Rahman, Dhurriyah. Journal of King Abdulaziz University : Islamic Economics. Vol. 22, no. 1 (2009), pp.171-188, 18 p.

Subjects: Interdependence; Islamic jurisprudence; Insurance; Islam; Religious aspects

By: Yusuf, al-Zayn Abd Allah. Tafakkur. Vol. 10, no. 1 (Jun. 2009), pp.1-16, 16 p.

Subjects: Basic needs; Economics; Islam; Islamic jurisprudence; Poverty

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.76-77, 2 p.

Subjects: Islamic jurisprudence; Kuwait; Mutual funds; Regular accounts; Statistics

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.71-71, 1 p.

Subjects: Islamic jurisprudence; Kuwait; Debts; International trade; Statistics

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.70-70, 1 p.

Subjects: Islamic jurisprudence; Kuwait; Mutual funds; Debts; Statistics

Quarterly statistical bulletin Central Bank of Kuwait.; Economic Research Department Vol. 35, no. 2 (Jun. 2009), pp.69-69, 1 p.

Subjects: Islamic jurisprudence; Kuwait; Mutual funds; Inventories; Statistics

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Subjects: Insurance; Insurance policies; Islamic jurisprudence; Refinancing

Question: Assalaamu Alaykum WRB Sh. Monzer :InSha'Allah Ta’ala all is well with you and the family.Shaykh, what is your opinion on trading carbon emissions ? Or as they say 'carbon trading.' Effectively companies /countries / individuals can 'sell' their right to ....

Subjects: Greenhouse gases; Islamic jurisprudence

Question: Dear Dr. Monzer,Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Following is a financial question about the ruling of investing money for a stable interestFirst Name : SuleimanSalaam Brother.. I am student in UK pursuing my masters in investment and Finance. I reside ....

Subjects: Investments; Money; Usury

Question: Salam.In Canada, there is no Islamic banking so far. There are some Islamic financial organizations, but the problem is that most of them are taking money from non-Islamic financial organizations. So people criticize Islamic way of financing by saying that ....

Subjects: Purchasing; Real property

Question: Dear Dr Monzer Kahf,Assalamu Alaykum Warahmatullahi WabarakatuhuFirst and foremost, May Allah reward you for excellent work you have done and continue to do so on Islamic Finance. I often refer to your Fatawa and it is truly a blessing to ....

Subjects: Purchasing; Real property

Question: Salam u Alaykum Br. Monzer,I have heard that obtaining financing from a bank for a bank owned home (foreclosure) in not Haram. The reason for this is because it only involves two parties (buyer a seller) as opposed to traditional ....

Subjects: Purchasing; Real property; Subprime mortgage

Question: Dear Dr Monzer Kahf,Assalamu Alaykum Warahmatullahi WabarakatuhuFirst and foremost, May Allah reward you for excellent work you have done and continue to do so on Islamic Finance. I often refer to your Fatawa and it is truly a blessing to ....

Subjects: Purchasing; Real property

Question: I am an Indian. I just want to know : is it permissible in Islam to have the health insurance ?.

Subjects: Health insurance; Islamic jurisprudence

Question: Salamu 'Alaikum,What do the scholars say about transferring credit from one credit card to another ? As you know, people do this when they are offered a lower rate. Also, some credit-card companies charge a fee for doing this. Is ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence

Question: Salamu 'Alaikum,What do the scholars say about transferring credit from one credit card to another. As you know, people do this when they are offered a lower rate. Also, some credit-card companies charge a fee for doing this. Is it ....

Subjects: Administrative fees; Commissions; Credit cards; Islamic jurisprudence

Question: Dear Dr. Monzer,Assalamu Alaykum wa Rahmatullah Wa Barakatuh,Due to the financial crisis in the US, my company lost great business and I cannot pay back the creditors as they owe me huge sum of money that I cannot bear. In ....

Subjects: Debt repayment; Debts; Islamic jurisprudence; United States

Question: Dear Dr Kahf,Salaam Alaykum Wa Rahmatullah Wa Barakatuh.For the inventory financing, is it an equity investment or more of a debt.In other words, could it be used for the following scenario :Company X has a purchase order from a manufacturer ....

Subjects: Islamic jurisprudence; Purchasing; Sales; Stock

Question: Assalamu `Alaykum Wa Rahmatullah Wa BarakatuhDear Dr. MonzerQuestion 1 :Respected scholars, as-salamu `Alaykum. A few years ago, I entered a lucky draw where it was required to place the label of a soft drink that was purchased in an envelope ....

Subjects: Financing; Gambling; Housing; Lotteries; Sales

Question: As-Salam Alaykum Wa Rahmatullah Wa BarakatuhRespected SheikhWe hope you and your family are fine with the blessing from Allah SWT. Dear Sheikh, now a day we are in process of exporting some goods to Africa and there African port Authority ....

Subjects: Tariffs

Question: As Salam O Alaykum Brother Monzer,I am in dire need of your help regarding my first home purchase and the mortgage process ? based on my research (please see the references below) and what I have heard from people, I ....

Subjects: Islamic jurisprudence; Subprime mortgage

Question: Dear Dr Kahf,Salaam Alaykum Wa Rahmatullah Wa Barakatuh.Thank you for your response. I have two questions:1) Can you please clarify the inventory financing option in more details. I understand it but what contracts have to be entered into and what ....

Question: Dear Dr. Kahf,Assaalaamu Alaykum Wa Rahmatullah Wa Barakatuh.I hope you and your family are well.I have a question regarding a financial advisory assignment we are working on.We are assisting a manufacturing company to deleverage (they currently have a 90 : ....

Subjects: Money; Purchasing; Sales; Stocks

Question: Respected scholar,Assalamalekum WRB,I live in India and as you know we don’t have an Islamic bank concept here. In such a scenario it’s difficult to find an alternative to save ourselves from interest money generated from our savings in the ....

Subjects: Kinship; Usury

Question: Dear Dr. KahfAsakI am 23 and got my first job about 9 months before. I have been thinking over the past few days’ ways of investing that is not 'Haram'. I will be highly obliged if you can tell the ....

Subjects: Investments; Pensions

Question: Assalaamu 'Alaykum Dr. KahfThis is Haroun from Trinidad. I attended two of your four day course you conducted here in Trinidad.I am seeking some advice. My contract with the government for my job has ended and I will receive a ....

Subjects: Investments; Trinidad

Question: Asalamu Alaikum Wa Rahmatullah,My name is Latifa. I was reading your Fatwa on Islamonline where a man asked whether he was permitted to spend interest money that they had collected to pay off his brother's debt in order to make ....

Subjects: Siblings; Usury

Question: Dear Dr. KahfAssalamualaikum.Thanks for your reply to my previous question. I have couple more problem understanding the Witness and Notary part of your last will which I am describing below. I would appreciate your help in this regard. Below is ....

Subjects: Inheritance; Islamic jurisprudence

Question: Dear Dr. KahfWhile preparing the last will, should I enlist any property outside the USA ? I have one house co-owned by my brother and a flat in Bangladesh. Please, let me know.SincerelyMohammed.

Subjects: Inheritance; Islamic jurisprudence; Ownership

Question: [Question One] :As Salamu Alaykum,Our planned Shari’ah Compliant Fund intends to make use of Arbun and send us the attached documentation. I read it and was unsure about the choice offered for cash settlement as an alternative to physical delivery. ....

Subjects: Cash flow; Down payments

Question: Wa'alaikum Assalamu,Jazakallahu Khairan. Akhee, I have been researching Islamic Financing for over 10 years in Canada, and am very familiar with what is involved here. Nur Cooperative : has no capital, not currently offering anywhere in Canada UM Financial : ....

Subjects: Purchasing; Real property

Question: Dear Dr Kahf,Asalaamu Alaykum Wa Rahmatullah Wa Barakatuh.Would you kindly review the attached Malaysian Takaful Act 1984 to see whether it is alright for adoption in Nigeria and indicate amendments, changes, deletions and additions where necessary.Many thanks.Regards,Hajara.

Subjects: Cooperative insurance; Interdependence; Islamic jurisprudence

Question: [Question One] : Wa'alaikum Assalamu and Jazakallahu Khairan for your fast response, unfortunately, in Canada there is currently only one Islamic financing program operating (the rest have run out of capital), and that one is extremely unaffordable in terms of ....

Subjects: Financing; Islam; Islamic jurisprudence; Loans; ٌLeasing

Question: I am hoping you can give me advice on a matter. I live in Canada and have been renting for 10 years now. I now have 4 children Alhamdulillah and badly want to purchase a home and have stability. Unfortunately, ....

Subjects: Purchasing; Real property; ٌLeasing

Question: Dear Amo Monzer,In Sha Allah you and your family are well and in the best of conditions !I am e-mailing you today because my older brother Bilal, has come up with an interesting idea of how one could possibly structure ....

Subjects: Corporations; Purchasing; Real property

Question: Assalamu Alaikum Dr. Kahf,I recently read your article on IslamOnline.net, titled "the global financial crisis : ideas for long term solutions : short notes", translated by Dr. Ahmed El-Gharbawi. Masha Allah it was very interesting.I have also come to know ....

Subjects: Financial crises; Financing; Islamic Banks; Islamic jurisprudence