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Fatawa

[Islamic mortgage to buy a house]

Question: Riba-based bank (there is no Islamic bank here) owns a house (foreclosure). I go to the bank and say that I want to buy the house and I will pay 20 % of the price. The bank says that it ....

Subjects: Islamic jurisprudence; Purchasing; Subprime mortgage

Fatawa

[Rent to own house financing]

Question: Is Ijarah to own house financing permitted in Islam or not ? The Ijarah to own people will purchase the house and then will sell it to the lessee over period of time 5-10 years. Basically the lessee will pay ....

Subjects: Financing; Islamic jurisprudence; ٌLeasing

Fatawa

[Is bank interest Haram ?]

Question: I have a regular bank account in Canada and the bank gives me interest automatically. I love money, and the amount is a lot for me. Is the interest that is given to me by the bank Haram for me ....

Subjects: Islamic jurisprudence; Usury

Fatawa

[Ijarah loan in Canada : 1]

Question: Is it ok to get mortgage through www.ijaracanada.com ? Ijarah process is as below :1. Ijarah will check the credit history and based on credit score they will determine the profit rate (rent or interest).2. Ijarah gets the money from ....

Subjects: Canada; Islamic jurisprudence; Loans; ٌLeasing

Fatawa

[Liquidating a life insurance]

Question: I had life insurance and I paid around $ 10,500 in installments. And now I have cancelled that insurance but they refunded me only $ 6200.0 instead of $ 10,500 that I paid to them, but in addition to that ....

Subjects: Islamic jurisprudence; Life insurance

Fatawa

[owning a business that sells pork]

Question: I am hoping to get a Shari`ah ruling or view on owning a Tim Horton cafe. Is it Haram to own this chain store ? I only ask because it serves sausage and bacon on its breakfast menu. I have ....

Subjects: Islamic jurisprudence; Meat; Sales; Swine

Fatawa

[Buying a car at zero interest]

Question: I went to a car dealer and I wanted to buy a car with 0 % financing but the dealer said since the car I want can't go with 0 % financing, they will finance the car and will pay ....

Subjects: Automobiles; Islamic jurisprudence; Purchasing; Usury

Fatawa

[Buy a house in Canada]

Question: I want to buy a house in Canada and I want to know if buying a house by involving the banks is allowed or not (using Riba). Please, what's the Canadian's Fatwa regarding this matter ?.

Subjects: Canada; Dwellings; Financing; Islamic jurisprudence; Purchasing

Fatawa

[Trading share and investing in mutual funds]

Question: Buying and selling of shares or mutual funds, is it allowed in Islam ?.

Subjects: Mutual funds

Auditing Reports

Independent auditors' report to the shareholders of Munshaat Real Estate Projects Company K. S. C. 2011

Auditors Inc: Ernst and Young al-Aiban, al-Osaimi and Partners (Kuwait); Baker Tilly Kuwait (Kuwait)
Source: Annual report 2011.

Subjects: Accountants; Annual reports; Auditing; Islamic jurisprudence; Kuwait

Fatawa

Can you explain the concept of LIBOR ?

Question: -.

Subjects: Banks; Interest rates; Islamic jurisprudence

Auditing Reports

Independent auditor’s report to the members of Islamic Bank of Britain PLC 2011

Auditors Inc: KPMG Audit Plc (London, United Kingdom)
Source: Annual report and financial statement for the year ended 31 December 2011.

Subjects: Accounting; Auditing; Financial statements; Islamic jurisprudence; Social responsibility

Fatawa

Is it permissible to remind a friend of a loan repayment they owe me ?

Question: -.

Subjects: Debt repayment; Debtor and creditor; Islamic jurisprudence; Loans

Auditing Reports

Auditors’ report to the shareholders of Islami Bank Bangladesh Limited 2011

Auditors Inc: Ernst and Young A. Qasem and Co. (Dhaka, Bangladesh); Acnabin (Dhaka, Bangladesh)
Source: Annual report 2011.

Subjects: Islamic jurisprudence; Banks; Commercial law; Law; Profits

Fatawa

Can tax paid be intended as Zakah, as some money is used for the benefit of Muslims ?

Question: -.

Subjects: Alms tax; Muslims; Payments; Taxes

Fatawa

Can I take a loan that gives a choice between paying the principal within a defined period or the payment of an increment after the period ?

Question: -.

Subjects: Islamic jurisprudence; Loans; Payments

Fatawa

How much can I claim from my car insurance company and what if they give me a set amount to purchase the car from me ?

Question: -.

Subjects: Automobiles; Insurance; Islamic jurisprudence; Purchasing; Vehicles

Fatawa

Islamic finance contracts and instruments practiced in Islamic banks : contracts practiced by Islamic banks

Question: Assalamu ‘Alaykum Warohmatullohi Wa Barakatuh,Dear respected Doc. Monzer,I'm deeply impressed with the abundance of knowledge that you have..I pray that it will be such a great contribution to our Ummah with ultimate rewards from Allah 'Azza wa Jall. Doc., I ....

Subjects: Contracts; Islamic Banks; Islamic jurisprudence; Speculation

Statistical Reports

Table 19-9, Investment companies operating in accordance with the provisions of the Islamic Sharia : contra accounts.

Monthly Monetary Statistics. Central Bank of Kuwait.; Economic Research Department Vol. 33, no. 3 (Mar. 2012), pp.46-47, 2 p.

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

Statistical Reports

Table 19-6, Investment companies operating in accordance with the provisions of the Islamic Sharia : foreign assets and liabilities.

Monthly Monetary Statistics. Central Bank of Kuwait.; Economic Research Department Vol. 33, no. 3 (Mar. 2012), pp.41-41, 1 p.

Subjects: Islamic jurisprudence; Debts; Inventories; Kuwait; Statistics

Statistical Reports

Table 19-5, Investment companies operating in accordance with the provisions of the Islamic Sharia : liabilities.

Monthly Monetary Statistics. Central Bank of Kuwait.; Economic Research Department Vol. 33, no. 3 (Mar. 2012), pp.40-40, 1 p.

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

Statistical Reports

Table 19-4, Investment companies operating in accordance with the provisions of the Islamic Sharia : assets.

Monthly Monetary Statistics. Central Bank of Kuwait.; Economic Research Department Vol. 33, no. 3 (Mar. 2012), pp.39-39, 1 p.

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

Statistical Reports

Monetary indicators. Tables.

Quarterly Statistical Bulletin. Central Bank of Kuwait.; Economic Research Department Vol. 38, no. 1 (Jan. / Mar. 2012), pp.70-71, 2 p.

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

Statistical Reports

Table 19-5, Investment companies operating in accordance with the provisions of Islamic Sharia : liabilities.

Quarterly Statistical Bulletin. Central Bank of Kuwait.; Economic Research Department Vol. 38, no. 1 (Jan. / Mar. 2012), pp.64-64, 1 p.

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

Statistical Reports

Monetary indicators. Tables.

Quarterly Statistical Bulletin. Central Bank of Kuwait.; Economic Research Department Vol. 38, no. 1 (Jan. / Mar. 2012), pp.63-63, 1 p.

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

Articles of association

Guiding principles on liquidity risk management for institutions offering Islamic financial services [excluding Islamic insurance (Takaful)‎ institutions and Islamic collective investment schemes]

Donor award: Islamic Financial Services Board (Kuala Lumpur, Malaysia)

Subjects: Contracts; Financial institutions; Islam; Islamic jurisprudence; Management

Fatawa

Is gold bought for personal use subject to Zakah ?

Question: -.

Subjects: Alms tax; Gold; Islamic jurisprudence; Jewelry

Fatawa

What are the criteria of eligibility to receive Zakah ?

Question: -.

Subjects: Alms tax

Fatawa

Do I have to mention all faults of a car when selling it or is responsibility on the buyer to discover any faults ?

Question: -.

Subjects: Automobiles; Defects; Islamic jurisprudence; Responsibility; Vendors and purchasers

Auditing Reports

Independent auditor’s report : to the members of Bank of London and The Middle East plc 2011

Auditors Inc: KPMG Audit Plc (London, United Kingdom)
Source: Annual report and accounts 2011.

Subjects: Accountants; Auditing; Financial statements; Islamic jurisprudence; United Kingdom

Fatawa

Can I apply for an interest-based mortgage on behalf of a family member who is unable to as they will be paying for all costs involved ?

Question: -.

Subjects: Islamic jurisprudence; Loans; Real property; Usury

Fatawa

Is trading “covered warrants” on the stock market permissible ?

Question: -.

Subjects: Islamic jurisprudence; Purchasing

Fatawa

Is national savings accounts Islamically permissible ?

Question: -.

Subjects: Bank deposits; Financial guarantees; Islamic jurisprudence; Savings accounts

Fatawa

Is national savings accounts Islamically permissible ?

Question: -.

Subjects: Banks; Islamic jurisprudence; Savings accounts

Fatawa

As a private car seller, if a buyer cannot afford to pay upfront, is it permissible to sell the car to a company who then sells it at a higher price on a hire purchase agreement to the initial buyer ?

Question: -.

Subjects: Automobiles; Contracts; Islamic jurisprudence; Sales

Fatawa

[Zakah on cumulative savings]

Question: As-Salamu `Alaykum1-If I put $ 100 in a saving account every month starting January 1st, on December 31st it's been a year. Should I pay 2.5 % of the $ 1200 (what I usually do) or can I pay each ....

Subjects: Alms tax; Islamic jurisprudence

Fatawa

[Giving earned interest to a Muslim needy without telling him what it is]

Question: As-Salamu `Alaykum.I have bank account that pays interest and I take the amount they pay me and donate it knowing there is no reward. My questions are : 1-Can I donate it to a Muslim friend / family who is ....

Subjects: Donations; Islamic jurisprudence; Usury

Fatawa

[Zakah on RSP accounts in Canada]

Question: As-Salamu `Alaykum.Do we need to pay Zakah al-Mal on our RSP account and my kids RESP ? The money in these accounts is invested in the stock market, which means the value is variable every day. Could you please let me know as soon as possible ?.

Subjects: Alms tax; Bank accounts; Islamic Banks; Islamic jurisprudence

Fatawa

[Does paying taxes in Canada replace Zakah ? And can we distribute Zakah to non-Muslims who are deep problems ?]

Question: As-salamu `Alaykum.There are two questions : 1) Does paying taxes in Canada replace Zakah ? 2) Can we distribute Zakah to non-Muslims who are deep problems ?Regards.

Subjects: Alms tax; Islamic jurisprudence; Taxes

Fatawa

[Pay off father's debt and spending on his treatment]

Question: As-Salamu `Alaykum.We are six brothers and four sisters. My father took some loan (gold) from my sister long back which he was supposed to pay back. Now, he is sick and undergoing treatment and wants to repay the loan as ....

Subjects: Debt repayment; Debts; Islamic jurisprudence

Fatawa

[Paying earned interest to needy Muslims or local Masjid]

Question: Shakeel As-Salamu `Alaykum. Can I pay my bank interest to needy Muslims or to my local Masjid for their operating fund ? Jazaka Allah.

Subjects: Islamic jurisprudence; Usury

Fatawa

[Medical insurance]

Question: Dear Scholars,As-salamu `Alaykum. First of all, I congratulate you and pray to Allah for the great service you are doing to Ummah through on Islam. I work in a MNC company in India, and have a question regarding Medical Insurance ....

Subjects: Health insurance; Islamic jurisprudence

Fatawa

[Islamic mortgage conditions]

Question: Riba-based bank (there is no Islamic bank here) owns a house (foreclosure). I go to the bank and say that I want to buy the house and I will pay 20 % of the price. The bank says that it ....

Subjects: Islamic jurisprudence; Subprime mortgage

Fatawa

[Cash under-the-table salary]

Question: As-Salamu `Alaykum. I came to know that one of my friends works in a restaurant. She gets salary as cash as she told me that she is in EI for some reason and thus govt. does not allow working whenever ....

Subjects: Islamic jurisprudence; Wages

Fatawa

[House finance on partnership]

Question: Is it permissible (to avoid Riba) ? I will buy a house partnership with a person (for me-20 %, partner 80 %, his source of money might be a conventional mortgage). If I enter into a contract with this partner ....

Subjects: Financing; Housing; Islamic jurisprudence; Partnerships

Fatawa

[Providing to wife after husband death]

Question: As-Salamu Alaykum, Dr. Monzer Kahf,Please explain, how should I resolve the following situation ?I am retired and I own a house and I have invested my savings in a mutual fund to receive income for my living expenses. If I ....

Subjects: Islamic jurisprudence; Savings

Fatawa

[What can be done with money ignorantly earned falsely ?]

Question: As-Salamu `Alaykum. My friend would like to know ; what can he do with the money he ignorantly earn falsely or on a way not allowed ? He repented. Thank you..

Subjects: Islamic jurisprudence; Money

Fatawa

[Haram money]

Question: As-Salamu `Alaykum, Dr. Kahf. I have a question regarding Haram money.I am only 18 years old and do not have a job. I wish to make some money while I am still studying. I could potentially start up a small ....

Subjects: Islamic jurisprudence; Money; Taboos

Fatawa

[Developing software]

Question: Developing software for BFSI domain : Halal ?.

Subjects: Computer software; Islamic jurisprudence

Fatawa

[Doubt about money origin]

Question: As-Salamu `Alaykum. My father deposited money in my account in an Islamic bank. I doubt that this money is a result of interest because my father used to deposit his money in a non-Islamic bank. I don't know exactly the ....

Subjects: Foundations of Islamic jurisprudence; Islamic jurisprudence; Money

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