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Fatawa

What is the Islamically correct way to contract a property developer to build a house for you ?

Question: A buyer agrees with a property development company that they will pay the full price now for a house / flat now even though the property is still under construction. Once the house is complete, the buyer will then move ....

Subjects: Contracts; Housing; Ownership

Fatawa

Is one sinful while studying with a Interest (Riba)‎-based student loan ? and will one be will considered as consuming Riba ?

Question: -.

Subjects: Education; Islamic jurisprudence; Loans; Students; Usury

Fatawa

Please could you clarify the Islamic permissibility for one to claim income support ?

Question: -.

Subjects: Income; Islamic jurisprudence

Fatawa

Please can Al-Qalam advise if they have carried out an onsite audit at the national Zakat foundation London shelter ?

Question: Respected scholars, further to the Al-Qalam Fatwa on the national Zakat foundation (NZF) dated 25th February 2013, please can the Al-Qalam panel advise as to how the panel is assured that NZF does indeed adhere to the requirements of the Fatwa ?.

Subjects: Alms tax; Islamic jurisprudence

Fatawa

Why does one need to pay Zakat on a pension plan if one does not get access till later ?

Question: I have recently setup a SI pension plan account where I can manage the investment but the principal and the gains are not available to me till the age of 55. Is the investment value still Zakatable in the years leading up to age 55 ?.

Subjects: Alms tax; Islamic jurisprudence; Pensions

Fatawa

Is the debtor considered poor, and thus eligible to Zakat funds ?

Question: -.

Subjects: Alms tax; Alms tax bestowments; Debtor and creditor; Poor

Fatawa

Is disbursing Zakat funds for freeing of prisoners and covering their legal costs or family needs deemed permissible usage of these monies ?

Question: Can we give Zakat funds to free prisoners ? Also can Zakat funds be used to help finance their legal costs as there is no ‘ransom’ pay for most prisoners nowadays ? Can we give Zakat funds to their families left behind alone with no breadwinner ?.

Subjects: Alms tax; Distribution (Economic theory); Money; Prisoners

Fatawa

Can someone stuck in a Riba-based loan give voluntary charity, or do they need to pay off the Riba-based loan first ?

Question: Can someone stuck in a Riba-based loan give voluntary charity, or do they need to pay off the Riba-based loan first, given that is a duty, and thereafter resume with giving voluntary charitable donations ?.

Subjects: Loans; Usury

Fatawa

Is my earning Halal if I’m a hypnotherapist ?

Question: I am a practitioner in neuro linguistic programming and hypnotherapy, which I practise for the purposes of helping people overcome fears and / or phobias that were installed as a programmer within people’s life experiences. Is my earning Halal ?.

Subjects: Hypnosis; Islamic jurisprudence

Fatawa

What is the Islamic stance on joint tenancy ownership of a property

Question: Are the joint tenancy laws of England (whereby one tenant inherits the other’s share directly on death) valid in Islamic law ? What happens if I share a property with my mother-on her passing does her share come to me ....

Subjects: Islamic jurisprudence; Real property; Rent

Fatawa

Can rules of Riba usury relate to exchanging modern day goods such as mobile phones ?

Question: Does Riba only relate to money and food items, or can modern day goods come under this too ? Eg swapping a contemporary item-such as a mobile phone of a lower value for one of a higher value ? .

Subjects: Commodities; Islamic jurisprudence; Mobile phones; Usury

Fatawa

If my parents use the money I give them for Haram, am I sinful ?

Question: What happens if you are supporting your parents by putting money directly in their account, yet you know the money is likely to be paying off a Haram mortgage and insurance etc. as well as other Halal expenses ?.

Subjects: Fathers; Islamic jurisprudence; Money

Fatawa

As a website owner, can I get commission from their profit ?

Question: People use my site to auction their cars and I get a percentage cut from their profit. Is this permissible, given that I do not own their cars ? and I get commission from their profit ?.

Subjects: Administrative fees; Commissions; Islamic jurisprudence; Profits; Web sites

Fatawa

Please can the Al-Qalam Shariah panel advise as to whether they consider the national zakat foundation as a suitable organisation to give Zakat money to ?

Question: -.

Subjects: Alms tax; Islamic jurisprudence; Money; National Zakat Foundation

Fatawa

Would insurance be permissible for martial arts’ students to take out health and safety purposes-as this is the requirement of the law of the land ?

Question: -.

Subjects: Insurance; Insurance policies; Islamic jurisprudence; Military science; Students

Fatawa

Is it allowed to take out mandatory travel insurance in order to be able to volunteer in a charity abroad ?

Question: I have signed up to volunteer for a charity working abroad but have found out that I will be required to take out Travel Insurance. Is it permissible for me to get travel insurance cover or should I opt for ....

Subjects: Compulsory insurance; Islamic jurisprudence; Kindness; Travel; Volunteer work

Fatawa

I support my parents financially by putting money in to their account, however I am not sure if this money goes towards something which is permissible or impermissible. Is this permissible ?

Question: -.

Subjects: Islamic jurisprudence; Money

Fatawa

Is is permissible to give Zakat to pay off ones debts by giving the Zakat to the creditor directly with the permission of the Zakah recipient ?

Question: -.

Subjects: Alms tax; Debt repayment; Debtor and creditor; Islamic jurisprudence

Fatawa

Is is permissible to give Zakah to someone in the form of food vouchers instead of cash ?

Question: -.

Subjects: Alms tax; Alms tax bestowments; Islamic jurisprudence

Fatawa

Is is permissible to give Zakat to pay off ones debts by giving the Zakat to the creditor directly with the permission of the Zakah recipient ?

Question: -.

Subjects: Alms tax; Debtor and creditor; Debts; Payments

Fatawa

What is the ruling on life insurance ?

Question: -.

Subjects: Islamic jurisprudence; Life insurance

Fatawa

Is comprehensive car insurance permitted or should third party insurance only be taken ?

Question: -.

Subjects: Insurance; Islamic jurisprudence; Vehicles

Fatawa

If a Muslim is working as a cab driver, can they charge a customer who wants to go to a pub or nightclub ?

Question: -.

Subjects: Islamic jurisprudence; Taxicabs; Transport

Fatawa

Can I take medical insurance as part of my salary package ?

Question: Can I take medical insurance as part of my salary package ?If an employer gives you a choice between taking some extra cash other than salary or get medical benefits, and one knows that medical benefits / insurance is more ....

Subjects: Deals; Employees; Health insurance; Islamic jurisprudence; Wages

Fatawa

Is interest permissible if below the inflation rate ?

Question: Is interest permissible if below the inflation rate ? .

Subjects: Inflation (Finance); Islamic jurisprudence; Mubah; Usury

Fatawa

When applying for a grant to be used for a specific purpose, is it permissible for one to use the grant received for a different purpose ?

Question: -.

Subjects: Grants; Islamic jurisprudence; al-Niyyah (Islam)

Fatawa

If one has to pay money to apply for a grant, would this be considered gambling ?

Question: -.

Subjects: Administrative fees; Commissions; Gambling; Grants; Islamic jurisprudence

Fatawa

In my final salary pension there is a ‘death in service’ agreement, whereby lifetime assurance cover is payable which is 4 times the salary value. This is paid by the employer an no contributions are made by the employee. Is it permissible for my spouse to receive this lump sum ?

Question: -.

Subjects: Islamic jurisprudence; Pensions; Severance pay

Fatawa

Is Zakah liable on the employee employer contributions of a final salary pension scheme ?

Question: Is Zakah liable on the employee / employer contributions of a final salary pension scheme ?.

Subjects: Alms tax; Islamic jurisprudence; Pensions

Fatawa

If one has given their Zakah in advance for forthcoming years and on the anniversary realises this amount was above his actual Zakah total, can one consider this surplus amount to be a Zakah payment for subsequent years ?

Question: -.

Subjects: Alms tax; Islamic jurisprudence

Fatawa

Is it sufficient for the recipient of the advance payment of Zakah to be an eligible recipient at the time of receiving the Zakah or does one also have to be sure that this individual will be eligible on the actual future Zakah anniversary ?

Question: -.

Subjects: Alms tax; Alms tax bestowments; Payments

Fatawa

Insurance compensation

Question: I was involved in a car accident a few years back and following the accident I claimed compensation from the accident. The doctor assessed me and sent a report to the judge (here in the UK) where I was awarded ....

Subjects: Accidents; Compensation (Law); Insurance; Islamic jurisprudence; Vehicles

Fatawa

Is it permissible to work as a tax compliance and transfer pricing accountant or in the finance department of an insurance company ?

Question: -.

Subjects: Accountants; Finance; Islamic jurisprudence; Management; Taxes

Fatawa

The 1st ethical Zakah guide mentions Zakah cannot be given to one’s spouse. However this Hadith appears to indicate giving Zakah to one’s spouse is permissible. Please can you clarify

Question: -.

Subjects: Alms tax; Charity; Ethics; Husbands; Poor

Fatawa

If a student has an unpaid education related loan, can his parents use their Zakah money to pay off the loan ?

Question: -.

Subjects: Alms tax; Loans; Money; Payments; Students

Fatawa

Please could you comment on the permissibility of a final salary pension scheme ?

Question: -.

Subjects: Employers; Islamic jurisprudence; Pensions

Fatawa

What is the ruling on binary options trading ?

Question: -.

Subjects: Contracts; Islamic jurisprudence; Options (Finance)

Fatawa

Is there an Islamic way where you can guarantee percentage of profitability for the investor ?

Question: -.

Subjects: Hedge (Finance); Islamic jurisprudence; Profits; Stockholders

Fatawa

Am I allowed to claim tax benefits as I have just been working a cash-in-hand job over the summer ?

Question: -.

Subjects: Taxes

Fatawa

If I invest in a partnership with other parties, do I need to verify whether their source of finance is Halal ?

Question: -.

Subjects: Financing; Partnerships

Fatawa

Is it permissible to sell land at a profit knowing it will be used for burial purposes of Muslims or non-Muslims ?

Question: -.

Subjects: Dhimmies; Islamic jurisprudence; Muslims; Profits; Sales

Fatawa

I have ceased trading temporarily due to education, however will resume upon completion, do I have to pay Zakah on the remaining stock even though I am not going to be selling it soon ?

Question: -.

Subjects: Alms tax; Islamic jurisprudence; Stocks

Fatawa

Do I have to pay Zakah on a personal loan I have lent to my brothers ?

Question: -.

Subjects: Alms tax; Debts; Islamic jurisprudence; Loans

Fatawa

As a foreign student in the UK, my government estimates living expenses and deposits the money in my account, is this liable for Zakah even though it’s living expenses ?

Question: -.

Subjects: Alms tax; Cost of living; Islamic jurisprudence

Fatawa

If you had the intention to give Zakah to a specific eligible individual, but when disbursing the money some weeks later you did not have a specific Zakah intention, is this valid ?

Question: -.

Subjects: Alms tax; Alms tax bestowments; Islamic jurisprudence; al-Niyyah (Islam)

Fatawa

If I become owner of the Nisab, can I pay my Zakah to an eligible individual who requires it on a monthly basis as opposed to a one-off payment on my Zakah anniversary ?

Question: -.

Subjects: Alms tax; Islamic jurisprudence; Payments; Rent

Fatawa

Is it permissible to open a current account with a bank which offers cash back on household bills ?

Question: -.

Subjects: Accounts current; Islamic jurisprudence; Money

Fatawa

Is it permissible to open a current account with a bank which offers cash back on household bills ?

Question: -.

Subjects: Banks; Financial transactions; Interest; Islamic jurisprudence; Usury

Fatawa

If the product purchased is not as advertised and eBay give me a refund due to the seller not responding, what do I do with the product ?

Question: -.

Subjects: Advertising; Islamic jurisprudence; Products; Purchasing; Vendors and purchasers

Fatawa

What is the Islamic viewpoint on UK student loans ?

Question: -.

Subjects: Education; Islamic jurisprudence; Loans; Students

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