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Question: AssalamuAlaikum brotherThank you very much for your valuable time. I really appreciate all the effort you have put into your website. It has been a valuable source of information for me.Please could you guide me for the following points ?1-In ....

Subjects: Money; Usury

Question: Walikum assalam,Jazakum Allahu Khairan,I asked for me personally as several people brought the issue up recently and they are practicing it. They take the money and invest it and before the due deadline they will pay it back in full ....

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

Question: [Question One] :Walaykum As salaam Dr. Kahf,Jazak Allahu Khayran for your comments. I have a few follow up questions.1. I guess I am confusing speculation vs investment. Because in my mind when I am investing with the sincere intention to ....

Question: AA Dr. Monzer,I wanted to ask you about 0 % Apr credit card loans while they take 3 % processing fee for the loan. Is that allowed given that I plan to invest the money for a short period of ....

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

Question: Dear Dr. MonzerI am sure you get a lot of emails on car leasing issue. My name is Irfan and I am working in Oman, my question is again on the car leasing.Here in Oman we unfortunately do not have ....

Subjects: Automobiles; Usury; ٌLeasing

Question: [Question One]Asalam-O-Alaykum Dr. Monzer Kahf,Ramadan Kareem to you and your family !My name is Yasser and I live in California, USA. I have a business in mind to start but I am in doubt if it is Halal or not ....

Subjects: Installment sales; Islamic jurisprudence; Resale on profit

Question: As salamu `Alaykum Wa RahmatullahDear Dr. Monzer,Please help us answering this question.Jazaka Allah KhayranBest regardsI am a travel agent and what I do for living is holiday booking. I have three questions :1. Is it forbidden to book holidays for ....

Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Is Zakah due for a girl who has inherited sufficient amount of jewelry from mother but has no means to pay the Zakah given that my whole family is under massive debt. I am single ....

Question: [Question One] :Salam Dr. Monzer.Just for you to know there is a Fatwa under your name that Network marketing is Halal,I suggest you add more description why you believe in the case described its Halal and why in other cases ....

Question: [Question One]Salam Mr. Monzer.I want to ask about network marketing Fatwa.I read a Fatwa that says it’s Halal, can you please let me know your feedback on this.. What I see that people don’t end up purchasing a Product, even ....

Subjects: Corporations; Internet marketing

Question: SalamsDr. Monzer, pls. help replying the following question :We are an offshore software development company and have been working with foreign clients who develop and host software applications for insurance companies. The software we develop covers all aspects of insurance ....

Question: SalamsDr. MonzerAssalam-O-Alaikum,We are an offshore software development company and have been working with foreign clients who develop and host software applications for insurance companies. The software we develop covers all aspects of insurance business (personal and commercial lines) and generates ....

Subjects: Insurance companies; Islamic jurisprudence

Question: Assalamu Alaykum.I saw your answer to question on this regard at http://www.quranforall.org/fatawaa/zonrentalproperty.htm I think there is one additional factor to consider here, if you consider it appropriate. The analogy of investment asset should also consider if the asset is liquid ....

Subjects: Alms tax; Islamic jurisprudence; Provisions of sharia; Real property

Question: [Question One] :WAA Dr. KahfJak for the answer. Can you clarify just a little ? Our aim was to provide a professional service while also encouraging the community to support each other.The purpose of the directory is to1. Help Muslims ....

Question: WAA Dr. KahfJazaka Allah Khair and Ramadan Kareem.Would real estate agents be allowed on a Muslim business directory ? I understand mortgage brokers or people that give out interest based loans would not be, but we are a bit confused ....

Subjects: Business; Right to property

Question: AA Dr. Kahf,Jazaka Allah Khair for your answer regarding the affiliate program. We are setting up the Muslim online business directory at http://salampages.com/. The vision is to have Muslims support businesses either owned by Muslims or providing services specifically for ....

Subjects: Business; Islamic jurisprudence

Question: WAA Dr. KahfJak for the answer. Can you clarify just a little ? Our aim was to provide a professional service while also encouraging the community to support each other. The purpose of the directory is to1. Help Muslims know ....

Subjects: Business; Islamic jurisprudence

Question: Assalamu Alaikum,I'm Hijaz, I have a doubt regarding Alcohol. Is Alcohol donate Haram. Alcohol donate which is used in deodorant these days. One of my friend told me that which is not Haram. But I want to know will our prayers be acceptable after spraying this deodorant.Yours truly,Hijaz.

Subjects: Alcoholic beverages; Products; Taboos

Question: SalaamsDr. Monzer, pls. help replying the following question :Assalaamu 'Alaykum, I am wondering about the status of street performing (i. e. 'busking'). My parents claim it is a form of begging, and I've heard that begging is a form of ....

Subjects: Begging; Economic sanctions; Islamic jurisprudence; Products

Question: SalaamsDr. Monzer, pls. help replying the following question :Assalamu Alaikum. Thank you for taking the time to answer my question. I would like to know if banking was known at the time of the Prophet (PBUH). What kind of commercial activities were carried out at that time ? ShukranWael.

Subjects: Banks; Early Islamic period; Islamic jurisprudence

Question: SalamsDr. Monzer, pls. help replying the following question : AssalamuAlaikom, I am a Muslim woman married to a Dutch man for 8 years and has a daughter of 5 years. My husband was a Christian but converted before our marriage. ....

Subjects: Bank accounts; Islamic jurisprudence; Usury

Question: As-Salam Alaykum Wa Rahmatullah Wa BarakatuhRespected SheikhIn Sha Allah this email reaches you in the best of health and Emaan.And then we, brothers at Que One Group would like to greet you for the holy month of Ramadan. May the ....

Subjects: Contracts; Corporations; Investments; Islamic jurisprudence; Mutual funds

Question: Dear Prof. Dr. Monzer Kahf,Assalamu Alaikum Sheikh,One of my friends here in Sri Lanka wants to apply for the Student Visa to the UK. He has to pay GBP £ 2000 / = to a college in the UK in ....

Subjects: Islamic jurisprudence; Loans; Usury

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: Assalam Alaikum Brother Monzer,I came across your name while searching for advice on finance related matters. I'm hoping that you can share your opinion on this somewhat complicated issue.I have a job offer from a company that develops an order ....

Question: Assalam Alaikum Brother Monzer,I came across your name while searching for advice on finance related matters. I'm hoping that you can share your opinion on this somewhat complicated issue.I have a job offer from a company that develops an order ....

Question: Asslaamu AlaykumI'm seeking a fatwa about my future job.The job is called quantitative analytics ; my main duties are pricing derivatives : futures and optionsThe job can be done in : a bank or in-an independent non-banking firm The clients ....

Question: [Question One] :AssalamualikumI’m Khan, Muslim currently working in travel agency in ksa my question is regarding insurance tax in airlines actually each passenger has to pay tax for insurance, except few airlines.Insurance is Haram in Islam, please give me a ....

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: SalamsI, Saqib would like to ask you some questions concerning network marketing, I have recently joined this business the company name is "Quest Net Int'l" they deal in many products but I would like to clarify about their "Wellness Tool". ....

Question: Salammu Alaykum. I have a modeling agency business where women / models keep men / clients company and escort them to dinner, events, social gatherings, and other venues based on the client’s request. In exchange for the companion service, the ....

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: 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 electronics, subscriptions ....

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: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I'm 28 years old from Morocco. I'm working in the "Moroccan post" as "in charge of formation", but I have an offer with a better salary to work in a Moroccan bank as also ""in ....

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

Question: Asslamualaikum I am taking the liberty of writing you directly on a subject that I need some clarity on. I am an Indian Muslim and I run a offshore medical transcription company (offering a service to doctors in the US ....

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