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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

Fatawa

Studying insurance and working in insurance companies : advising people on choosing best insurance

Question: Assalamu Alaikum, May Allah bless you your efforts and time. I have an opportunity to improve my financial situation by getting involved with Primerica a Financial Services company. I have 7 kids, wife doesn’t work, cannot work, going in debt ....

Subjects: Insurance; Insurance companies

Book chapters

Portfolio choices and asset pricing in Islamic framework

By: Iqbal, Zamir. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , p.

Subjects: Economic systems; Foundations of Islamic jurisprudence; Investments; Islam; Islamic economics

Book chapters

On determining moral hazard and adverse selection in the Islamic firm

By: Baldwin, Ken; Dar, Humayon A.; Presley, John R.. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , p.

Subjects: Commerce; Contracts; Financial institutions; Islam; Islamic economics

Book chapters

Analytical tools of Islamic economics : a modified marginalist approach

By: Ahmad, Habib. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , p.

Subjects: Economic analysis; Economics; Islamic economics; Production

Book chapters

Transactions in conventional and Islamic economies : a comparison

By: al-Jarhi, Mabid Ali Muhammad Mahmud. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , 14 p.

Subjects: Banks; Commerce; Financial transactions; Islam; Islamic economics

Book chapters

Fiqh foundations of the theory of Islamic economics : a survey of selected contemporary writings on economics relevant subjects of Fiq

By: Khan, Muhammad Fahim. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , p.

Subjects: Economic analysis; Economic problems; Islamic economics; Perillous saale

Book chapters

Methodological approach to Islamic economics : its philosophy, theoretical construction and applicability

By: Abd al-Rahman, Abd al-Rahman Yusri Ahmad. Theoretical foundations of Islamic economics. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; , p.

Subjects: Islamic economics; Islamic philosophy; Methodology

Journal Articles

An empirical investigation of economic cooperation among the oic ember countries

By: Hassan, M. Kabir. Economic Research Forum : Working Paper Series. No. 201-240 (Dec. 2002), 31 p.

Subjects: Comparative economics; Economic analysis; Economic development; Economic integration; Islamic economics

Book

Theoretical foundations of Islamic economics

By: Ahmad, Habib; International Institute of Islamic Thought (Herndon, Virginia, United States); Islamic Educational, Scientific and Cultural Organization (Rabat, Morocco)…[et al.]. Islamic Development Bank (IDB), Islamic Research and Training Institute (IRTI),; 31-December -2002; pp.1-192, 192 p.

Subjects: Corporations; Foundations of Islamic jurisprudence; Islamic economics; Price policy; Transactions

Fatawa

Gifts in life time versus inheritance : gifts and inheritance

Question: We are 3 brothers and a sister. My father had built a house in 1969, which he has given to four of us. My father had built this house from his sole earnings, which is being rebuilt as a joint ....

Subjects: Endowments; Inheritance; Real property

Fatawa

Studying insurance and working in insurance companies : working in an insurance company [2]

Question: Assalam-o-Alikum my name is m. sir, I want to take advice about an issue : Insurance. Insurance of life is it lawful in Islam. My brother is a traniee manager in an insurance company. He said to me that if ....

Subjects: Insurance; Insurance companies; Labour

Fatawa

Not paying credit cards debts : receiving gifts purchased on credit cards whose holder does not intend to pay

Question: As Salamu Alaykum, 1. My dad’s friend came from America and they shopped on the credit card and bought my mom and dad gifts with it but they didn't want it because he just uses the credit card but doesn't ....

Subjects: Credit cards; Endowments

Fatawa

Dividends, bonuses, rewards and accidental insurance of credit cards : bonuses and prizes of credit cards

Question: Dear respected brother(s) in Islam. Asslam Aliykum Wa Rahmatu Allahi Wa Barakatu.I have a credit card (Citibank) that I used to use to purchase goods. This credit card gives 5 % in purchase new vehicle based on the amount of ....

Subjects: Awards; Credit cards; Purchasing; Rewards

Fatawa

Depositing with Islamic banks

Question: Assalamu Alaikum. I want to ask you about Islamic banking system. Bangladesh is a Muslim majority country. But her government doesn't follow Islamic laws. As a result there is interest system in our banks. Some of the families of our ....

Subjects: Bank deposits; Islamic Banks

Fatawa

Non-interest charges of credit cards : handling charges in credit cards

Question: As-Salamo Alaikum. I have received an offer from one of the credit card companies with 0 % APR for any purchases or cash advance for 8 months provided that I would pay the full amount before the end of the ....

Subjects: Administrative fees; Commissions; Credit cards

Fatawa

Is insurance permissible ? Life, car, health, property, hazards, shipping, etc. : comprehensive car insurance

Question: Is comprehensive car insurance (covering damage to your own car, its passengers, others’ cars or properties) Haram in Islam ? In case it is Haram, then what is permissible form of car insurance to fulfill country’s traffic regulations ? Jazakum Allah Khairan,.

Subjects: Insurance policies

Fatawa

Accepting credit cards payments by Muslim mechants : accepting credit cards by merchants and the percentage paid to credit cards issuers

Question: First, Assalamu Alaykum Warahmatulahi Wabarakatuhu ? Secondly, I have the following question I manage small taxi company, owned by an association of Muslim Brothers ; my taxi drivers are obligated to accept credit cards by law. I have to provide, ....

Subjects: Credit cards; Entrepreneurs; Payments; Taxicabs

Fatawa

Replacing interest financing by Islamic financing

Question: My parents are divorced since I was 4 years old and I have been living with my mother in my grand-fathers house with my aunts and cousins. Today, after about 25 years, my mother can no longer bear this life ....

Subjects: Usury

Fatawa

Not paying credit cards debts : declaring bankruptcy to avoid payment of credit cards balances

Question: Assalamu Alequm I have benefited from your Fatawa and advice. It is a very useful service. Please continue and Allah gives you Barakat in the effort. My question is about some loans on my credit cards. I have borrowed some ....

Subjects: Bankruptcy; Credit cards; Debts; Islamic jurisprudence; Loans

Fatawa

Can banks operate without interest (Riba)‎

Question: 1. I know that Riba is a sin. But how should banks operates if they don't take interests ?2. I was planning to start my business but the only way of acquiring capital at the moment is by taking a ....

Subjects: Banks; Islamic Banks; Usury

Fatawa

Prohibition of Riba and its rationale : can banks operate without interest ?

Question: 1. I know that Riba is a sin. But how should banks operates if they don't take interests ? 2. I was planning to start my business but the only way of acquiring capital at the moment is by taking ....

Subjects: Banks; Islamic jurisprudence; Usury

Fatawa

Distribution of estate : inheritance of children of deceased child

Question: Assalamu Alaikum ! My question is regarding estate distribution. Our family has got a land which my grandfather had bought long before. My father has expired 11 years back i. e. before my grandfather. My grandfather also expired some 7 ....

Subjects: Children; Grandparents; Inheritance; Islamic jurisprudence

Fatawa

Options in stocks, commodities and currencies : trading options

Question: Is buying options in currency trading is Halal ???? For your information in buying options you have to invest money and you will buy options for a period of 2 months and they set a target to reach for example. ....

Subjects: Islamic jurisprudence; Money; Options (Finance)

Fatawa

Waqf and estate planning : creating a family trust (Waqf)‎ for an ill child

Question: Assalamu Alaikum, I have a vast problem and I hope you will look into the matter with scrutiny. My father purchased plot and registered on my mother’s name. After that my father built multi-story buildings including market places there and ....

Subjects: Confidence

Fatawa

Estimation of the equivalent of the Mahr at the time of the prophet, pbuh : inflation and the Mahr at the time of the Prophet, PBUH

Question: My sister is getting married and wants to ask for the Sunnah Mahr. We know it is 400 Dinar, which we are told is the same as $ 300, but obviously $ 300 was worth a lot more in the ....

Subjects: Dowry; Inflation (Finance); Islamic jurisprudence; Muhammad (Alayhi al-salatu wa-al-salam)

Fatawa

Accepting insurance proceeds : proceeds of life insurance of deceased mother

Question: My mother recently died, but she had taken out a life insurance policy. I am the sole beneficary and at the age of 17 years, I need the money. Am I allowed to take the money ?.

Subjects: Insurance; Life insurance

Fatawa

Is interest a compensation for inflation ? : getting interest on bank deposits because of decline in value of money

Question: As Salamu Alaykum wa Rahmatu Allah : I would like to ask you (Jazakum Allah khayran) about banking transactions and the system of interest. I’m placing some money in a deposit account, because I think that it is the safest ....

Subjects: Bank deposits; Cash value; Usury

Fatawa

Delay of payment, who carries the effect of inflation ? : effect of inflation on long term debts

Question: My question is regarding Riba. A very interesting case came to my knowledge I will tell you about that and ask for you guidance " it is about a about a marriage which took place in Karachi in 1984. The ....

Subjects: Contracts; Debt repayment; Debts; Inflation (Finance); Islamic jurisprudence

Fatawa

Indexation and the prohibition of Riba

Question: As Salamu Alaikum and May Allah reward you greatly for this blessed service. This question consists of two parts. Nearly 3 years ago I took out a student loan. The only interest on this loan is that corresponding to the ....

Subjects: Analogy (Islamic jurisprudence); Debt repayment; Inflation (Finance); Usury

Fatawa

Avoiding Riba for a person living in Pakistan

Question: Assalamu Alaikum Dear Sir,(1) If installment price of a commodity is more than its cash price, can one purchase that item on installment basis as the installment price contains an element of interest.(2) Is there a difference between interest and ....

Subjects: Pakistan; Usury

Fatawa

Is insurance permissible ? Life, car, health, property, hazards, shipping, etc. : life insurance

Question: What is the Islamic view on setting up a life cover contract in order to protect the welfare of my wife and children after my death ? In addition, inheritance tax is payable at the rate of 40 % on ....

Subjects: Insurance; Insurance policies

Fatawa

Distribution of estate : the basis of the Islamic inheritance system

Question: Salam Alaikum, I have got a question about heritage. I am a 19 year old girl and am now in the situation to think about whom to give the amount of money I have in the situation of my death. ....

Subjects: Death; Inheritance; Islamic jurisprudence

Fatawa

In leasing who pays for insurance ? : insurance of leased cars

Question: Assalamou Aalaykou Wa Rahmato Allah I want to ask you about leasing to particulars, I intend to buy a car this way, the car would be registered with my name, and I should take care if it as if it ....

Subjects: Landlords and tenants

Fatawa

Working in insurance companies and as actuary : working in an insurance company

Question: Assalamu Alaikum first I would like to thank Islam on line for the great service to the Ummah and particularly younger generation. My question is to Monzer Kahf because his Fatwa on insurance is the most consistent. I’m in India ....

Subjects: Insurance; Insurance companies; Islamic jurisprudence

Fatawa

Profit distributed by Islamic banks

Question: The interest given by banks on the deposited amount, is it Riba and unlawful in Islam ? .

Subjects: Bank deposits; Islamic Banks

Fatawa

Insurance on Muslims and Islamic properties in India, the USA and other western countries : insurance on mosques and Islamic centers in the USA

Question: The Muslim community of Bay Shore, Long Island, New York wishes to know whether it is lawful to take out insurance on a mosque. This question arose because we are in the process of completing our mosque, which was under ....

Subjects: Muslims

Fatawa

Is interest a compensation of inflation ?

Question: Assalamu Alaykum, My question is regarding "Reba" and bank interest "Fawayed". I heard these following opinions and would like to know the Islam opinion regarding them. Mainly they are trying to prove that Bank interest are not the "Reba" mentioned ....

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

Fatawa

Distribution of estate : the inheritance system is mandatory

Question: Assalamualaikum Warahmatullahhi Wabarakatuh. This matter is relating to the law of inheritance. My family had followed the Fara’id system after the death of my father 3 yrs ago. My father had specifically instructed vocally that he wants equal distributions of ....

Subjects: Inheritance; Real property; Siblings

Fatawa

Gifts in life time versus inheritance : gifts in life time and inheritance

Question: Assalamu Alaikum, my father in law left behind him, wife, 2 sons and three daughters.During his life time he accumulated lot of property. All of his children were married in his life time. To his daughters he gave two houses, ....

Subjects: Endowments; Inheritance; Real property

Fatawa

Accepting insurance proceeds : accepting insurance proceeds from a contract bought by employer

Question: One of my friends had died by accident from UAE while he was working on his company. Company has taken life insurance for him according to law of U.A.E. this insurance amount is already sanctioned. But our problem is this ....

Subjects: Commercial companies; Insurance

Fatawa

Studying insurance and working in insurance companies : working in an insurance company [1]

Question: Assalamu Alaikum, I have searched your Fatwa bank for rulings on insurance in general and working in them specifically, in the hopes of resolving a major question of mine. I am near the completion of my university degree and I ....

Subjects: Insurance; Insurance companies; Labour

Journal Articles

La dimension ecologique en economie Islamique

By: Traouli, Khalid. Etudes en Economie Islamique. Vol. 2, no. 2 (Apr. 2002), pp.1-19, 19 p.

Subjects: Economic aspects; Environmental aspects; Islamic economics; Islamic jurisprudence; Production

Fatawa

Signing credit cards’ contract and using it : use of credit cards and their different transactions

Question: المعاملات باستخدام كارد الفيزا في الشراء و هل هو نوع من الربا لأنني أريد أن أطهر معاملاتي من الربا بعد أن هداني الله و أريد أن أوضح لسيادته أن المعاملات تتم على النحو 1-الشراء من المحلات التجارية 2-سحب مبالغ مالية ....

Subjects: Credit cards; Financial transactions; Installment sales; Islamic Banks; Purchasing

Fatawa

Inflation in the Islamic system : can inflation happen under an Islamic system ?

Question: As Salamu Alaikum my question is about interest (Riba). Suppose if I give loan of some amount to someone, who returns the same amount of money in two years or more, now the amount I gave him has now depreciated ....

Subjects: Inflation (Finance); Loans; Usury

Fatawa

Non-interest charges of credit cards : exchange rate in credit cards transactions

Question: As Salaamu Alaikum. When you buy a product from another country, this obviously involves a different currency. Credit cards allow you to buy in another currency and charge you a "foreign exchange transaction fee" in addition to the corresponding monetary ....

Subjects: Administrative fees; Commissions; Credit cards; Exchange rates

Fatawa

Distribution of estate : last will must distribute according to the shari’ah

Question: Assalamu Alaikum : Sub : wealth distribution among spouse and children i have one wife, 5 daughters and 2 sons. And going to write my will and making a trust for protection. 1) What is the % is for wife, ....

Subjects: Heirs; Income distribution; Inheritance; Real property

Fatawa

Is interest a compensation for inflation ? : is the prohibition of Riba affected by inflation

Question: My question to you is related to Riba. Some people claim that Islam has prohibited Riba not interest. They differentiate it buy saying that interest is charged on normal market and inflation rate on the other hand what Islam has ....

Subjects: Inflation (Finance); Loans; Usury

Fatawa

Dividends, bonuses, rewards and accidental insurance of credit cards : accidental insurance offered by credit cards

Question: Dear Sr, I'm asking about insurance, because I have a credit card, they put extra fees on my account as an insurance against accidents. I can cancel this service but I want to know is this insurance right or wrong ....

Subjects: Credit cards

Fatawa

Interest-based deposits in the Muslim countries

Question: I live in a Muslim country. I have kept my savings in that particular category of accounts on which interest is not paid. However i rarely draw any money, as i am saving it for some future plan. The question ....

Subjects: Usury

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