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Fatawa
Working in companies that may deal with some Haram : designing programs for gambling
Question: [Question One] :As-Salamu`Alaykum Wa Rahmatu Allah Wa BarakatuhI have received the following question from a brother in Reno. He asks about his job whether it is lawful or not.. Pls. help and give him counseling because he is one of ....
Fatawa
Zakah on pension plans and provident funds : Zakah on 401 K
Question: As Salamu Alaikum I hope your Ramadan is going well, and that this email reaches you in good spirit. I have a question about the Zakah Calculation Form, which has recently come to me by one of our members. The ....
Fatawa
converting a personal debt into a Shari`ah complaint loan
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Mubarak Ramadan. I am a convert to Islam and I have found Islamic loans to mortgage a house or to buy a car, but I am wondering if there is an Islamic consolidation loan for ....
Fatawa
Bank accounts with prizes : placing money in a savings account to have a chance of taking a prize
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have been approached by a number of Muslims concerning the following issue. We have a bank in South Africa offering the following Savings Policy : A client can place money in a savings account ....
Fatawa
Prizes for competitions : Placing money in a savings account to have a chance of taking a prize
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have been approached by a number of Muslims concerning the following issue. We have a bank in South Africa offering the following savings policy : a client can place money in a savings account ....
Fatawa
Zakah on properties purchased for sale : Zakah on land purchased for sale
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,A friend of mine bought a piece of land one year ago. The price was 300,000 rupees. His plan was to sell it. Now he still owns the land and the market value has gone ....
Fatawa
Works and transactions in real estates : working is real estates
Question: [Question One] :Wa Alaykum Assalam Warahmatullahi Wa BarakatuhI just noticed that you replied again after we met at your house early this year. I wanted to review your answers.So Assignment of contract and double closings are both permissible ? when ....
Fatawa
Zakah on pension plans and provident funds : must I pay Zakah for provident fund ?
Question: Br. Samy at Islam on line, please give details on the country of the questioner, if you have them, because they affect understanding the nature of provident fund, they differ from one country to another.QuestionAssalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I ....
Fatawa
Taking mortgages to buy a residence in western countries : Bought a house on interest in the USA, what to do about already paid interest ?
Question: alSalaam Alik With my sincere apologies, I meant to ask you on a financial matter. I bought my house in 1992 with a loan from a local bank. Although I paid it off quickly in five years I obviously paid ....
Fatawa
Student loans and other borrowing : student loan with a grace period to pay without interest
Question: [Question One] :Aslamu Alaikum Warehmatullahi Wabarakatu,May Allah (SWT) reward u with success n happiness in this world and Aakhirat InshaAllah.I hope I am not bothering you with my mail but plz I am in need of urgent advicce and I ....
Fatawa
Taking mortgages to buy a residence in western countries : buying a house through mortgage
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I live in Canada, I bought a house through a mortgage four years ago, in those four years the price of the houses in my area doubled, this year with the renewal of the mortgage, ....
Fatawa
Buying investment property on conventional mortgage : mortgages to buy investment property
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am writing to you with regard to taking a mortgage to invest in a property to rent in the future I own a property and live in UAE, the property i own is in ....
Fatawa
The nature of Riba and rationale of prohibition : reason in of the prohibition of Riba
Question: [Question One] :Assalam-O-Alaikum respected brother,Please could you give me authentic reasoning for prohibition of Riba.[Question Two] :Thank you for your prompt reply. I didnt make my background clear with the first email. I am a final year student stuyding BSc ....
Fatawa
Car lease purchase : car leasing
Question: [Question One] :AssalamoulaykoumI’m a Muslim living in Morocco, I have a question about leasing how can we differ lease with normal credit or payment in installment as ultimately the total cost of the car for example will be the same ....
Fatawa
Working in companies that may deal with some Haram : working for relief organization
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am working one of the Relief organization and I have some concern. Please give me the answers of my questions which are according to Quran and Sunnah.1. If organization collects some donations for emergency ....
Fatawa
Trading shares and stocks : buying and selling shares
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I want to know that if buying and selling of shares of the company is permitted. Suppose, I buy a share of Rs.10 / - and after three months the price is Rs.3000 / -.Is ....
Fatawa
Distribution of Zakah to relatives and to non-Muslims : Zakah to brothers
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I used to write to you in the past, asking for fatwas about certain issues, and always you gave me the proper Fatwa, Jazakom Allah Kul Khair. Today I have one question, and hope you ....
Fatawa
Distribution of Zakah-general : options for distributing Zakah
Question: Asalamu Alaykum Wa RahmatullahThere’s a lot of talk about giving Zakah in the US to masjids, Islamic schools, or Islamic organizations… Not for the purpose of distribution to the poor, but for the administration / activities / operation of the ....
Fatawa
General questions on Zakah : several questions regarding Zakah
Question: Assalaam Alaikum Wa Rahmatullahi Wa Barakaatahu,As usual I am asking you some questions again, but this time it is on behalf of my mother. She would like to know some things related to Zakah. Her sons have loans, but their ....
Fatawa
Calculation of Zakah : how to count Zakah Al-Mal
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,By the name of Allah I already gave Zakah Elmal for all my money last year, could you please tell me how to count it for this year and the years to follow.Jazakum Allahu Khairan for your constant help.
Fatawa
Internet network chain commission systems : working in internet pyramid-chain commission companies
Question: [Question One] :Assalamu Alaikom,I am involved in Quixtar business that I read your Fatwa about in 2003. I understand that many Muslims have questions and many, many Muslim are building it.In this business I do not buy nor sell non-Shari’ah ....
Fatawa
Who is subject to Zakah ? : are conventional banks subject to Zakah
Question: Assalamo AlaikumWhile reading Abu Saud s book, Contemporary Zakah, a question came to my mind which I am referring to you for guidance.the question is ; banks in Pakistan are using our deposited money for earning profits out of which ....
Fatawa
Gift of investment of family Takaful : can we do Hibah on an investment attached to an insurance policy
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Is there any opinion that the money paid to a beneficiary under a death benefit of an insurance / Takaful policy does fall under the Faraid distribution on the view that the money does not ....
Fatawa
Taking mortgages to buy a residence in western countries : buying a house through non-Islamic mortgage
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am a Muslim living in Europe. I need to buy a house through non Islamic mortgage but I may move from my city in every 2 years or so to anathor city. My question ....
Fatawa
Employer’s stock options : an employee stock option
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have been searching a lot for the right place to ask my question. I hope you can help me. First of all, I would like to say that I converted to Islam recently and ....
Fatawa
Leverage options in currencies : leverage option on my foreign currency exchange account
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I am intend to open an account with a foreign currency exchange broker (forex broker) to trade with foreign currency. Most of the brokers offer 100 leverage. 100 leverage means that every $ 1000 dollar ....
Fatawa
General questions on Zakah : copy right of “Zakah calculation”
Question: Asslamu Alaikum.Your Zakah calculation seems to me very good and I appriciate your writing.But my request that why do you give obligation to copy of that ? You see, lot of Muslims giving their lives for Islam and being a ....
Fatawa
Do some Islamic banks charge high cost ? : high cost of finance in Islamic banks and Zakah
Question: Dear Sir Assalam O AlaikumI am indeed thankful that you always take time to reply my emails. I have gone through your fatwas available on the website yet I have a question of similar nature. The question is old about ....
Fatawa
Who is subject to Zakah ? : help required related to interest and Zakah on children
Question: Assalam O AlaikumI am indeed thankful that you always take time to reply my emails. I have gone through your Fatwas available on the website yet I have a question of similar nature. The question is old about interest but ....
Fatawa
Sadaqah and gifts from shares in inheritance
Question: Assalaam Alaikum Wa Rahmatullahi Wa Barakaatahu.Thanks for your earlier reply. Please bear with my very lengthy letters, as no matter how much I may try, I just can't ask questions in brief. Besides giving you as many details as possible, ....
Fatawa
Transactions of Islamic banks : auto financing through Murabahah
Question: I want to buy a car and I don’t have the money to finance it. I want to get a loan through Dubai Islamic Bank. Can you advice me whether the method they are following is of Shari’ah compliant.i.e. I ....
Fatawa
investments of insurance companies : workers insurance and compensation
Question: السلام عليكم و رحمة الله و بركاتهفضيلة الدكتور منذر قحف : نسأل الله أن تكون بصحة جيدة و أحسن حال و قرب من الله تعالى، و سلامنا للأسرة الكريمة..لدينا استشارة نود من فضيلتكم التكرم بالرد عليها لأنها ترتبط بمشكلة يتعرض ....
Fatawa
Personal loans with interest : can Muslims benefit from some credit modalities in western countries ?
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,The resident Muslims in western countries where there are no Islamic banks when being in a situation of necessity for the buy of a house, vehicle or any other necessity do not have more solution ....
Fatawa
Working in conventional finance and banks : working in a bank
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Firstly I would apologize that my question might be slightly different from the above given categories. My question : is working in any sector of the banking institution considered Haram ? If so why ? ....
Fatawa
Contracts and institutions : Islam's stance on Lariba
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Can you please give me your openion about Lariba. It is a financial institution in the United States for financing residential and business properties. They could be accessed at Lariba.com. They say their model is ....
Fatawa
General questions on Zakah : the effect of Zakah on international investment
Question: Asalam Alikom Wa Rahmatoo Allah Wa Barakatooh,How are you Dr.Kahf. I hope you are doing fine in your work and enjoying the summer in the US, not as here it is very cold.Dr Kahf, what do you think about the ....
Fatawa
Deposits in conventional and Islamic banks : investment deposits in Islamic banks
Question: Asalamu Alaikum,I found your e-mail on the Islamonline website. I am aware that you have a solid education and experience in Islamic financing, hence the reason for me contact you.alhamdulillah Allah has bless me with extra money which I would ....
Fatawa
Internet network chain commission systems : network commission system
Question: بسم الله الرحمن الرحيمأرجو من فضيلتكم توضيح الحلال و الحرام في العمل مع شركة كويست إنترناشونال و موقعها على الأنترنت (www.quest.net) و التي تتبع التسويق الشبكي (Networkmarketing) و تسوق منتجات و خدمات مختلفة منها تذكاريات ذهبية و ساعات فاخرة و ....
Fatawa
Leasing in general : a question on Ijarah, is it a sale of services ?
Question: I am Omar from Syria currently studying in …………. Institute of higher education in England, preparing my project for MA degree in Islamic banking and finance about Ijara contract in Islamic banks, I have come across the sale of services ....
Fatawa
General questions on Zakah : Zakah and Ijtihad
Question: 1-If I have an Ijtihadi view on an issue in Zakah, so Muslims have to see what were / are the decisions of Fiqh Academy in KSA, Right Dr Kahf ?2-What about then the Qeyasi (analogy) issues like Fixed Assets ....
Fatawa
General questions on Zakah : can overdue Zakah be relinquished by the passage of time ?
Question: What is Zakah تقادم in English accounting ? How does it apply to Zakah prescription ? Kindly advice.
Fatawa
Giving Zakah to poor and needy : poor and needy in Zakah
Question: I have read your book : economics of Zakah, 2 nd edition, 2002What is the definition of poor and Needy ? I know that they maybe very near in the definition, but why am in need of this distinguishing between ....
Fatawa
Trading shares and stocks : permissible investments in Islam
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,My question is about the types of investments which are permissible in Islam. More specifically, I would like to know this in the light of investments available in India. Here are lots of investment options ....
Fatawa
Loans for starting business and financing working capital : borrowing for working capital
Question: [Question One] :Assalam AlaikumI am an engineer from……………… Who has established a factory in………, India. The capital assets are free of all encumbrances.I had expected to fund the working capital from my own resources but after three months of production ....
Fatawa
Items subject to Zakah : Zakah on business, investment, real estates and fixed assets : Similarity of fixed asset to Zakatable items
Question: [Question One] :Many Thanks for yr answer. One quick question :Can you give me an example of analogy in the Zakah on Money ? Or any Qiyasi decisions in the files of Zakah ? Peace,[Question Two] :1-As I have read ....
Fatawa
Zakah on salaries and income : Zakah on money saved to make a business
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I have been an immigrant for many years. I have decided to return back to my home country and settle there. I am saving monies for that purpose so I can start a small business ....
Fatawa
Deductions from Zakatable total : deductions from Zakatable total, organization of Zakah funds
Question: I am really happy to receive your answers.-For my first question this is not what I meant : I mean if I am a normal person living in a Muslim country and I paid money as donation to a political ....
Fatawa
General questions on Zakah : distribution to political parties and organization of Zakah fund
Question: [Question One] :Asalam Alikom Wa Rahmatoo Allah Wa Barakatooh,For Muslims God reward is an important feeling for us. Rather when you talk about this issue in front of Non-Muslims, it may be difficult to imagine this idea (I guess).One more ....
Fatawa
Investment in bond and money market : question regarding use of savings bonds
Question: As-Salaam Alaikum and thank you in advance for taking the time to read my email ;I realize that you read many such queries in the course of your work. I am a recent medical school graduate who has approximately $ ....
Fatawa
The nature of Riba and rationale of prohibition : the first interest free bank
Question: Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Dear scholar, recently we found in a local book written by a historian, that the Prophet (PBUH) founded the world's first interest free bank. As far as we know, though interest was declared Haram, there ....
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