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Book Reviews

Book Review : Islamic banking and finance : theory and practice

By: Ubayd Allah, Muhammad; Ayyub, Muhammad Sadiq. Journal of King Abdulaziz University : Islamic Economics. Vol. 17, no. 1 (2004), pp.45-49, 5 p.

Subjects: Islam; Financing; Islamic economics; Islamic jurisprudence; Profits

Journal Articles

Are all forms of interest prohibited ?

By: al-Misri, Rafiq Yunus. Journal of King Abdulaziz University : Islamic Economics. Vol. 17, no. 1 (2004), pp.37-41, 5 p.

Subjects: Banks; Financing; Islam; Islamic jurisprudence; Profits

Fatawa

What to do with earned interest ? : use of interest money : [8]

Question: We have put money in bank since a long time and we have much interest on this money now in bank. Can we use this interest money for the Mosque or Madrasah or another work ? if no, what can we do with it ?.

Subjects: Banks; Interest; Islamic jurisprudence; Usury

Fatawa

Working in conventional banks : deputy manager in a bank

Question: I am working as a Dy. Manager in a reputed bank .In India you know how banks run and their way of income etc. But since I am working in a bank in India, can my job in any way ....

Subjects: Banks; Labour; Managers

Fatawa

Variable interest and interest under other names, prize bonds and accounts : interest earned in 401K account

Question: Assalamu Alaikum Brother, My question is concerning 401 K retirement account, I wasn't sure until recently I heard that 401 K or retirement account uses interest or Riba, I know that 401 K fidelity uses dividends is that still not ....

Subjects: Islamic jurisprudence; Savings accounts; Usury

Fatawa

What to do with earned interest ? : Can interest money be given to family ?

Question: Assalamu Alaikum Wa Rahmatu Allah Wa Barakatuh ! I'd like to ask the following : can a female (married) give the interest she receives from her stocks / Bank Accounts to family as a help with their finances (housing, bills ....

Subjects: Banks; Interest; Islamic jurisprudence; Usury

Fatawa

Waqf must be from what you own : earned interest can’t be made a Waqf

Question: About banking interest (Riba). Shall I pay the interest to the poor as help. What can I do the same in a better way if it occurs on our life ?.

Subjects: Interest; Money; Usury; Wages; Waqf

Fatawa

What to do with earned interest ? : use of interest money : [6]

Question: It is about banking interest (Riba). Shall I pay the interest to poor as help. Can I do the same in a better way if it occurs on our life ?.

Subjects: Islamic jurisprudence; Money; Usury; Wages

Fatawa

Accepting insurance proceeds : beneficiary’s proceeds from life insurance

Question: Salaam Alaikum, Jazakallah for taking your time to answer this question. My non-Muslim father recently passed away. He had a life insurance policy. I wanted to know if it is permissible for me to accept my share of this inheritance. ....

Subjects: Insurance; Insurance policies; Life insurance; Muslims

Fatawa

Studying and working in the other financial firms and the financial sector : working in an interest based company

Question: [Question One] :Dir Sir,I am from Sri Lanka. We are minority in our county. Most of the companies are dealing with interest. I am working for a finance company as a software engineer. I have been working here for more ....

Subjects: Financing; Labour; Usury

Fatawa

Transactions confused with interest : are tips interest ?

Question: Assalamu Alaikum. The following is a dilemma / question someone has asked me to request your opinion on the matter. A Brother in Islam who by profession is a taxi driver was asked by a Non Muslim if he accepted ....

Subjects: Advice; Islamic jurisprudence; Transactions; Usury

Fatawa

Going for Hajj while under interest laons : sending mother for Hajj while under interest-based student loan

Question: [What is Shari'ah rule on sending mother for Hajj while under interest-based student loan].

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

Fatawa

Prohibition of Riba and its rationale : does what you buy affect the prohibition of interest ?

Question: Assalamu Alaikum is there any difference in interest (Riba) from the bank and buying a home or car ?.

Subjects: Purchasing; Real property; Usury

Fatawa

Financing house purchase in the west : buying a house in the USA

Question: As Salaam Alaikum : is there any difference in interest (Riba) from the bank and buying a home or car ?Notes : because I live with my Mother and younger brother and we pay 600 dollars a month for a ....

Subjects: Financing; Purchasing; Usury

Fatawa

Islamic banks and the new fatwa of al Azhar

Question: Assalamu Alaikum : Riba : Al-Azhar Fatawa say modern fixed bank interest is not Ribaj-jahliya. Here in Pakistan the devaluation is about 18 % p.a banks pay only 12 % which they call profit. We officially have no Riba bank ....

Subjects: Islamic Banks; Profits

Fatawa

Is interest a compensation for inflation ? : is it permitted to take interest on deposits because there is devaluation ?

Question: Assalamu Alaikum : Riba: Al-Azhar Fatawa say modern fixed bank interest is not Ribaj-Jahliya. Here in Pakistan the devaluation is about 18 % p. A banks pay only 12 % which they call profit. We officially have no Riba bank ....

Subjects: Compensation (Law); Inflation (Finance); Usury

Fatawa

Going for Hajj while under interest laons : going for Hajj while under interest-based student loan : [2]

Question: Assalamu Alaikum ba3da salaam I would like to thank u for a great work you guys have been doing.. I am proud to say that Islam online is one of the best Islam websites on the net.. I would like ....

Subjects: Education; Pilgrimage; Students; Usury

Fatawa

Alternatives to interest : inflation, interest and profit loss deposits in Pakistan

Question: Assalamu Alaikum : Riba : al-Azhar Fatawa say modern fixed bank interest is not Riba aj-jahliya. Here in Pakistan the devaluation is about 18 % p. a banks pay only 12 % which they call profit. We officially have no ....

Subjects: Bank deposits; Inflation (Finance); Islamic jurisprudence; Pakistan; Profits

Fatawa

Interest-based loans to establish business : interest loan to start a business : [2]

Question: Assalamu Alaikum I am a Muslim man living in the united states I am trying to start a business here but I can't afford to pay cash money my question is that ok in Islam if that I take a ....

Subjects: Usury

Fatawa

What to do with earned interest ? : using interest money to pay taxes

Question: I have a bank account in a secular bank in Kerala and there is RS 5000 as interest, at the same time I have to pay RS 5000 as income tax for my income for one year. If I can ....

Subjects: Money; Payments; Taxes; Usury

Fatawa

Returns on deposits in Islamic banks

Question: Don’t Islamic banks give interest like other banks ?.

Subjects: Bank deposits; Islamic Banks

Fatawa

Buying a house with a bank loan while there are Islamic banks

Question: In the name of God Dear sir ; Thank you very much for this opportunity, I need to ask if it is Halal to take a loan from a bank to buy a house for the family, knowing that me ....

Subjects: Bank loans; Islamic Banks; Purchasing; Real property

Fatawa

Indexation and the prohibition of Riba : inflation, indexation and Riba

Question: Assalamou Aleikoum Wa Rahmatullah Wa Barkatouh. Bismillah Arrahman Arrahim. As far as I understand, Riba or usury is forbidden, except in the cases you mentioned several items when talking about the specific Fatwa of the European Council. But what does ....

Subjects: Bank deposits; Financial transactions; Inflation (Finance); Usury

Fatawa

Using credt cards in a way that generate interest is forbidden : delaying payment on credit card’s balances

Question: Besmi Allah, I have a question about the use of credit cards. I am an employee I have a good salary and a bank account so I have a credit card yet I asked the bank to keep my saving ....

Subjects: Credit cards; Islamic economics; Payments; Savings accounts

Fatawa

Opening interest-based account : are treasury bills interest-based ?

Question: Here Government of Canada issues Treasury Bill. Sell (Auction) in open market in less than face value for 30 days 60 days etc. On the day of maturity it is given to 100 % (face value) to the purchaser. Suppose ....

Subjects: Government bonds; Islamic jurisprudence; Usury

Fatawa

Prohibition of Riba and its rationale : is there any bank interest that is Halal ?

Question: What kind of Bank interest is considered Haram in Islam. I have heard a lot on this issue, but would like to know some details. My old parents are week and feeble and in Pakistan where businesses are very volatile ....

Subjects: Resale on profit; Usury

Fatawa

Prohibition of Riba and its rationale : what is Riba ? does it relate to inflation ?

Question: Assalamu Alaikum Wa Rahmatullah Wa Barakatuh. Bismillah Arrahman Arrahim. As far as I understand, Riba or usury is forbidden, except in the cases you mentioned several items when talking about the specific Fatwa of the European Council. But what does ....

Subjects: Inflation (Finance); Islamic jurisprudence; Usury

Fatawa

Transactions confused with interest : interest on saving bond given as a gift

Question: Assalamu Alaikum, this question refers to the interest that might be earned from United States savings bonds. These are money bonds that can be purchased for one price, and as the years go by it gains interest. My question is ....

Subjects: Bonds; Endowments; Investments; Islamic jurisprudence; Savings

Fatawa

Participation in funds that include interest : are the additions to provident fund account interest ?

Question: Dear scholar, Assalamu Alaikum ! I am a government servant. Some amount of money is deducted from our salary and is put in provident fund every month, and 15 % interest is also given on this amount. Is this Halal from Islamic point of view, or is it Riba..

Subjects: Islamic jurisprudence; Savings accounts; Usury

Fatawa

Prohibition of Riba and its rationale : what is interest ?

Question: Assalamu Alaikum, dear Dr Monzer Kahf… I want to ask you about usury in Islam and how to understand it. I find that this topic is difficult to me to understand its. Is there an easy way for me to ....

Subjects: Islamic jurisprudence; Usury

Fatawa

Most workers in conventional banks are bad sources of information about Islamic banks

Question: Dear scholars, Assalam-o-Alaikum.I submitted a question regarding interest, my reference number is "pyft3u". Sorry sir i am not satisfied with your answer, you said there are so many banks who are dealing in interest free banking don’t have any knowledge ....

Subjects: Islamic Banks; Usury

Fatawa

What to do with earned interest ? : using interest on savings to offset interest on mortgage

Question: Could one take a mortgage whereby any interest charged could be offset from interest that the bank gives on a savings account i. e. There is only one account for savings and mortgage and the account holder is not concerned ....

Subjects: Islamic jurisprudence; Savings; Savings accounts; Subprime mortgage; Usury

Fatawa

Alternatives to interest : is buying with deferred payment not Riba ?

Question: Assalamu Alaykum Dear Scholar, I want you to clarify for me the concept of Riba in detail, my question arose when I heard that a friend of mine bought a car from a dealer by financing directly with the company, ....

Subjects: Islamic jurisprudence; Payments; Postponed sale; Purchasing; Usury

Fatawa

Non essential interest clause in a contract : interest condition if a contract is broken

Question: Assalamu Alaikum, Dear Scholars, I signed a contract with a government body that funds me for my on-the-job training in another country. The contract says that in return of the fund they spend on me, I am required to work ....

Subjects: Contracts; Islamic jurisprudence; Usury

Fatawa

Interest-based life insurance : [2]

Question: Is life insurance in Egypt is Haram if we pay 100L. E every month for 20 years. If something happened within 20 years we will take them 25,000 if not we will take them 75,000. Is it Haram or Halal ? It is a contract.

Subjects: Usury

Fatawa

Working in companies that sometimes deal in interest : working in handling cash and issuing commercial papers

Question: I have done my MBA in finance and investment from NY. And have been working in a corporate office of a median group. My work relates to handle cash on daily basis and if we are short of cash then ....

Subjects: Islamic jurisprudence; Usury

Fatawa

We need to be educated about Islamic banks

Question: Dear scholar, Assalam-O-Alaikum i know that interest is prohibited in Islam. every Muslim scholar is saying that taking interest is Haram as well as doing job in a bank is also Haram, but where and what is the alternate system ....

Subjects: Islamic Banks; Usury

Fatawa

What to do with earned interest ? : use of interest money : [5]

Question: Assalamu Alaikum I live in a country which is not Islamic. To whom can we give our intrest money ; can we give it to poor and needy Muslims or do we only have to give it to non Muslims ....

Subjects: Islamic jurisprudence; Money; Usury; Wages

Fatawa

Interest-based life insurance : [1]

Question: Numerous western insurance companies offer attractive pension schemes whereby the client pays a certain amount of money annually, only to have the double of what he has invested returned to him in 25 years. I have inquired about the ways ....

Subjects: Insurance; Life insurance; Usury

Fatawa

Prohibition of Riba and its rationale : what are the Ribawi goods ?

Question: Would you be so kind to tell what are Ribawi goods ? What is their economic and legal nature ? and what is the difference in Madhabs and scholars' position on Ribawi goods ?Thank You.

Subjects: Commodities; Islamic jurisprudence; Usury

Fatawa

Interest loans under hardship : what necessities relax the prohibition of Riba ?

Question: Is it Halal to borrow money for business from banks ?NotesI hear scholars saying : for emergency almost everything is Halal. If you are in a place where no food and you are about to die and you got Haram ....

Subjects: Necessity (Law); Usury

Fatawa

Variable interest and interest under other names, prize bonds and accounts : is the return of the Pakistani financial saving scheme Riba ?

Question: In Pakistan there is a financial Saving Scheme sponsored by the government. I have deposited One Million rupees and get a monthly income of 12,000 rupees in this scheme. Zakah is also deducted at the source at the end of the scheme. Is it okay or is it Riba ?.

Subjects: Islamic jurisprudence; Loans; Pakistan; Usury

Fatawa

Interest-based loans to establish business : a loan to start a business

Question: Assalamu Alaikum Wa Rahmatullah Wa Barakatuh, Dear Scholar, I lost my job and couldn't find another one, even after several months. I have, praise to Allah Subhanah, good skills that allow me to run my own business. But I have ....

Subjects: Loans; Usury

Fatawa

Depositing in Islamic banks when available

Question: Assalamu Alaikum, dear scholars, my first question is regarding interest that one accumulates on their savings account... My Father has a savings account in Pakistan, on which he accumulates interest... The reason he has an account there is so that ....

Subjects: Islamic Banks; Pakistan

Fatawa

Refinancing to reduce interest : refinancing to reduce the interest on mortgage

Question: Assalamu Alaykum Wa Rahmatu Allah Wa Barakatuh. After reading from several Islamic sources that it was permissible, and praying Istakhara, my wife and I purchased a house 2 years ago with a 30 year mortgage. al-Hamdulillah in the first year ....

Subjects: Islamic jurisprudence; Refinancing; Subprime mortgage; Usury

Fatawa

Signing credit cards’ contract and using it : sending mother to Hajj on ticket purchased on credit card

Question: Assalamu Alaikum. Dear counsel, 2 years ago I promised to pay for my mom's Hajj. Due to logistics she did not make it to go. I have lost my job and I lost my house when I divorced my Ex ....

Subjects: Credit cards; Pilgrimage

Fatawa

Going for Hajj while under interest laons : going for Hajj while under interest-bearing debts

Question: Assalamu Alaykum dear scholars. I read your reply to a question by a father who enquired whether he should perform Hajj or help his son to get married. With me , I am disturbed by the fact that I have ....

Subjects: Debts; Islamic jurisprudence; Loans; Pilgrimage; Usury

Fatawa

Going for Hajj while under interest laons : going for Hajj while under credit card’s interest

Question: I have kept Niyyath to perform Hajj this year, but I am worried about a certain issue, that is I have used my credit card to the full limit actually totally not thinking of the seriousness of it, now I ....

Subjects: Credit cards; Islamic jurisprudence; Loans; Pilgrimage; Usury

Fatawa

Using credt cards in a way that generate interest is forbidden : going to Hajj while under credit cards debts

Question: As-Salamu Alaykum, dear scholars, I read your reply to a question by a father who enquired whether he should perform Hajj or help his son to get married. With me , I am disturbed by the fact that I have ....

Subjects: Credit cards; Debts; Pilgrimage; Usury

Fatawa

Using credt cards in a way that generate interest is forbidden : going for Hajj while under interest-bearing credit card debts

Question: Can a person perform Hajj if he is under debts .I owe some money for credit cards to the Bank. It is about 5 years old. I would like to pay them but I cannot pay them all together.Can I ....

Subjects: Credit cards; Debts; Pilgrimage; Usury

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