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Fatawa
Employer’s stock options : investments and mutual funds. Etc.
Question: Assalaam Alaikum Wa Rahmatullahi Wa Barakaatahu,Considering all my options, I have disposed off the flat. I got no profit as I had to sell at less rates, but there was no net loss either.Now with the money I have got ....
Fatawa
The nature of Riba and rationale of prohibition : meaning of Riba
Question: Assalamu Alaikum Inshallah all is well. My name is Atiq Nakrawala and currently I work in the finance field for a Muslim company. I was thinking of pursuing my studies in Islamic finance but am a bit weary about it. ....
Fatawa
Life insurance and insurance in general : insurance transactions from the Shari'ah point of view
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,In the west Car and home insurance is needed. Health insurance and life insurance is provided by the employer. Are these insurance transactions Haram as Riba ? Secondly, can one buy extra insurance for paid ....
Fatawa
Deductions from Zakatable total : Zakah jewelry while under debt on our residence
Question: AssalamalaikumI would like to know if I and my wife would be obligated to pay Zakah. We currently borrow money from her parents the amount being over Nisab, for the purchase of an apartment. However, she currently has gold in ....
Fatawa
Deductions from Zakatable total : deduction of long term loans from Zakatable items
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Some people take long term loans, which are paid back in installments. They generally offset the whole loan amount against the Zakatable assets and say the do not have any Zakah to pay. However in ....
Fatawa
Claiming mark up of Islamic finance as interest for tax deduction : claiming interest deduction in leasing purchase
Question: I want to know how to lease option a house but have the owner structure the contract so that there is no interest in it. And still have the seller benefit by being able to write off "interest" in his ....
Fatawa
Deductions from Zakatable total : question regarding Zakah Al-Mal while under debt
Question: As-Salaam Alaikum.I am a medical resident with approximately $ 48,000 in medical school student loan debt that I am actively repaying. My wife and I paid a full Zakah al-mal last year ; however this year the question arose as ....
Fatawa
Disposing of interest money : giving interest money to indebted husband
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I would be most grateful if you could help me with my question. I earn a good salary but my husband salary is very small. I have a separate account for interest not to get ....
Fatawa
Distribution of Zakah to relatives and to non-Muslims : money given to christian relatives : is it counted as Zakah
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My wife was Christian, now AlhamduLilah is Muslim. Her family is still christian living overseas but relatively poor. Now they're children going to college and my wife sends them good financial help for college. Does ....
Fatawa
Interest finance under cover ! : financing a mosque project
Question: [Question One] :Alsalmo Alikom Wa Rahamto Allah WabarakatohWe have established a local Islamic Waqf for our community at 1998 through which we were able to start a cultural center to provide the community at large with clear and honest picture ....
Fatawa
Working in companies that may deal with some Haram : working in an activity center for school children
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am working in an activity center for school children. The children come to the center after school hours and take part in many activities e.g. sports, swimming, art and craft, carpentry, cookery and many ....
Fatawa
Disposing of interest money : what to do with interest money
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I recieved compensation in September, Which included some interest money.(£ 160).. could you please advise me on what to do with the interest money ? Jazakum Allahu Khairan for your constant help.
Fatawa
Working in conventional finance and banks : working for a conventional bank
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My husband is a banker working for a conventional bank. He is in the service department. After reading your fatwa that if a person is directly involved in interest based transaction it is unlawful, my ....
Fatawa
Zakah on salaries and income : paying Zakah from investment revenue
Question: Assalamualikum WrbI am anticipating my Zakah will be twice my annual personal expenses after I retire InShAllah currently I pay my Zakah from my income which will not be there upon retirement 15 % of my portfolio is to go ....
Fatawa
Zakah on gold and jewelry : Zakah on jewelry
Question: Assalamo Alikum Wa Rahmatullahi Wa BarakatuhI hope this message will find you in the best of your health and spirits. I have been listening different opinions on the payment of compulsory Zakah on golden jewelry (ornaments) used by the women. ....
Fatawa
Car insurance : paying car insurance by monthly installments
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am shopping around for my car's insurance (which is required by law) and wanted to ask if paying it by monthly installments (resulting in a higher amount) rather than at one go would be ....
Fatawa
Taking mortgages to buy a residence in western countries : using state allowance for housing purposes
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,May Allah accept your help. My wife is Muslim almost five years, around the time she entered Islam, her father (non-Muslim) created a building saving account for her in a Bank and during this period, ....
Fatawa
Business ethics : ethics of business conduct
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have three questions : 1) I work at a printing-service business, and my boss told me that if a client uses a machine and sucks up his / her money by accident and if ....
Fatawa
Calculation of Zakah : Zakah on profit or principal or both
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Assume there is a merchant who buys cars worth of 100,000 USD. Having sold all the cars, he counts his money and notices that he has now 150,000 USD. On what amount should he pay ....
Fatawa
Calculation of Zakah : Zakah on profit or principal or both
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Assume there is a merchant who buys cars worth of 100,000 USD. Having sold all the cars, he counts his money and notices that he has now 150,000 USD. On what amount should he pay ....
Fatawa
Kick backs, bribes, commissions, etc. : customers giving money to keep their business
Question: As-Salamu `AlakumI have an economical question that I am working in a Sino-Saudi joint-venture in China, here I am in charge of purchasing of raw materials, I am encountering this kinds of cases as below 1) Some of my customers ....
Fatawa
Trading shares and stocks : trading in stocks
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have read on your website about trading stocks and have a question. I recently attended a stock trading training course with a view to trade stocks of companies that are not involved with the ....
Fatawa
Distribution of Zakah-general : processing Zakah applications
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Dear respected Scholars who love and fear Allah as Allah should be loved and feared : I have questions that involve issues of Zakah and Sudaka. Just recently I was nominated to the Zakah committee ....
Fatawa
Life insurance and insurance in general : life insurance policy
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Fist of all, May Allah give all of you best reward for the efforts. I have life insurance policy, which is started on 2000 and will mature on 2020.Assured sum is Rs.125,000.00 with premium payment ....
Fatawa
Giving help to Riba-based mortgage transactions : mediation in Riba-based mortgages
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have recently started business as mortgage broker. Assisting people and small business in getting loans. Either for personal use or investment. Q1. As Mediator is integrate part of the mortgage transaction. So that will ....
Fatawa
Working in companies that may deal with some Haram : working for a company dealing with interest
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am 50 years old and I work for a school in Muscat.I am in charge of the store of the school. My boss (a Sudani) is giving me a very hard time by always ....
Fatawa
Working in conventional finance and banks : working in corporate finance : acceptable ?
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have a potentially long question, I hope you do not mind. I would like to know if working in Corporate Finance is acceptable in Islam ? Also known as transaction advisory services. I do ....
Fatawa
Items subject to Zakah : Zakah on business, investment, real estates and fixed assets : how to calculate Zakah Al-Mal on a restaurant
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My husband runs a restaurant for a Muslim brother, My question now is if the owner of this restaurant owns the equipment, but not the actual building where the resturant is. He makes enough money ....
Fatawa
The nature of Riba and rationale of prohibition : the difference between interest and profit
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I would like to know the difference between interest and profit. can you please clearly distinguish the two for me. Jazakum Allahu Khairan for your constant help.
Fatawa
Zakah of al Fitr : legitimacy of paying Zakah al-Fitr in-kind and not in cash
Question: Many Islamic scholars have legitimized the payment of Zakah Al-Fitr in cash in order to lessen the difficulties that Zakah recipients face with in-kind payments. However, I tend to disagree with this approach in both the Shari’ah as well as ....
Fatawa
Prizes for competitions : competitions and prizes
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,The committee of our high school had organized a vacation weekend a money contribution have been demanded to us (not all the cost the association have extra funds). during the weekend a competition day have ....
Fatawa
Investment in mutual funds : investment in mutual funds
Question: Respected Sir, Assalaam Alaikum,Is it permissible to invest in mutual funds or shares of an establishment that manages banks, gives housing loans(interest based),etc.? Thank you for your time and anticipated reply,.
Fatawa
Taking mortgages to buy a residence in western countries : house loans
Question: Asalam Aulikum,My brother in law stated you had told him he doesn't need to refinance his home ? I was planning to refinance the house with Devon Bank under the Murbaha contract.I recall 2 years ago you had insisted that ....
Fatawa
Investment of Awqaf funds in shares and stocks : investment of Awqaf funds in stocks
Question: AA, Awqaf SA would really appreciate some guidance on this issue :The general norm in the investment of Waqf funds is that the corpus ie the capital remains intact.Example : a person donates R 100000 as Waqf. The institution, say ....
Fatawa
Deposits in conventional and Islamic banks : taking a monthly fixed amount from the bank on deposit
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,First of all, I would like to define my situation and then go for the question. My name is Salman. I was born in Pakistan in 1980 but I lived in Saudi Arabia for 17 ....
Fatawa
Zakah on shares and stocks : Zakah on Shares
Question: Asalamu Alaykum Wa Rahmatullahi Wa BarakatuhMy query is regarding payment fo Zakahh in the following case: Is the promoters shareholding in a company deemed as part of Nisab? Suppose the promoter (s) of a company hold say 40 % shares ....
Fatawa
Investments of insurance companies : investments of insurance companies and market linked life insurance
Question: [Question One] :AsslamI got your email ID from your website, Sir I am from India working in a life insurance company as a Training Manager. I came cross your website thru google search. I have few queries on insurance investment ....
Fatawa
Disposing of interest money : how to get rid of interest money
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have recently come to discover that interest money generated from bank deposits and savings are not lawful according to the Shari'ah (it is Riba). In my case, I have been earning that illicit money ....
Fatawa
Zakah of properties in trust : Zakah on Amanat
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My father keep money for my borther study with me as his ""Ammanath"" for his study. I am paying his Collage Fees after every 6 months and I have to pay this for next 3 ....
Fatawa
Investment in bond and money market : investing money in bond
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Is it permissible to invest the money in bond ? Some retirement plans gradually invest the money in bond as the participant approaches the retirement age. Thank you. Jazakum Allahu Khairan for your constant help.
Fatawa
Zakah of al Fitr : how much is Zakah-Ul-Fitr this year
Question: Assalamulakum,I have heard that you a financial specialist. I live in Frederick, Maryland and would like to know the cost of Zakah-Ul-Fitr, because some people say that it is $ 10 some have other calculations so could you please clarify ....
Fatawa
Distributing Zakah to persons under debts : giving Zakah to someone to pay his debts to conventional banks
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Can I give a Zakah to someone in order for him to pay his debts to conventional banks. Namely, one of my relatives has borrowed money from conventional bank for business sake. However, as time ....
Fatawa
Is a last will necessary ? : inheritance and will
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My question is regarding the inheritance of my father. My father is about to write his will and he would like to know how much money should go to each of his heirs. He has ....
Fatawa
Working in companies that may deal with some Haram : working for a non-Muslim IT firm
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I'm living in a non Muslim country and working for a non Muslim IT firm. Recently I got a job offer from a non Muslim IT company which is a subsidiary of a leasing company. ....
Fatawa
Distributing Zakah to persons under debts : forsaking debts as a Zakah payment
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have two pious cousins (they are brothers) to whom I lent 2 lakh Indian rupees two years ago.Their intention was to repay the debt as soon as circumstances turned in their favour. Unfortunately today ....
Fatawa
Property, joint property, disposition, in relation to inheritance
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am married with three beautiful daughters. I am the youngest of 4 children and the only son.My mother died in 1999 and my father mashallah is still with us at age 75. My questions ....
Fatawa
General questions on Zakah : when Zakah is imposed as a pillar of Islam ?
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Recently a book in local language stated that Zakah is imposed by the then Islamic Government.We know it as a pillar of Islam and ordained by Allah. Is there any basis about the book's statement ....
Fatawa
Taking mortgages to buy a residence in western countries : Islam and insurance Zakah and mortgage
Question: As-Salaam-Aleikum,My name is Shabbir and I leave in Canada.I would be very grateful if you could please advise me whether insurances such as life and medical are allowed in Islam.Secondly, on the issue of Zakaat, if say in 2005 my ....
Fatawa
Deductions from Zakatable total : insurance, deduction of debts from Zakatable items and mortgage
Question: As-Salaam-Aleikum,My name is Shabbir and I live in Canada.I would be very grateful if you could please advise me whether insurances such as life and medical are allowed in Islam.Secondly, on the issue of Zakah, if say in 2005 my ....
Fatawa
Life insurance and insurance in general : Islam and insurance
Question: As-Salaam-Aleikum,My name is Shabbir and I leave in Mississauga, Canada.I would be very grateful if you could please advise me whether insurances such as life and Medical are allowed in Islam.Secondly, on the issue of Zakaat, if say in 2005 ....
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