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Fatawa

Competitiveness of Islamic banks

Question: Assalamu alaikom I live in UK and i want to buy a house. The Islamic banks is asking for higher deposits which i can not afford. Can i take a mortgage. Assalamu-Alaikom.

Subjects: Islamic Banks; Subprime mortgage

Fatawa

No necessity to bank with conventional banks in Pakistan

Question: I am a small businessman need financial help to survive a business recession. I have no property to sell. Problems could be solved by loan from bank. 10 years before under same situation obtain bank loan and discontinued the loan ....

Subjects: Bank loans; Banks; Islamic Banks

Fatawa

Financing house purchase in the west : who determines the need of a family for a house ?

Question: Assalamu Alaikum, I read Dr Qaradawi's Fatwa about taking a loan with interest based on necessity. Living in the expensive California state with a family of two kids and a high rent, does this qualify me for buying a house through the US banks ? JAK,-Emad.

Subjects: Housing; Islamic jurisprudence

Fatawa

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

Question: Assalamu Alaikum. I live in UK and I want to buy a house. The Islamic banks are asking for higher deposits which I can not afford. Can I take a mortgage ? Assalamu-Alaikum.

Subjects: Housing; Islamic jurisprudence; Sales; United Kingdom

Fatawa

Working with pirated intellectual properties ; smuggling : pirating intellectual properties

Question: Salam. Three months ago, I was hired as senior engineer by-----consultants in UK. The firm’s clients are local utility companies that need solutions to civil, structural, mechanical and electrical problems. I manage these projects and deal with the associated clients. ....

Subjects: Intellectual property; Islamic jurisprudence; Pirates

Fatawa

What to do with earned interest ? : forgoing accrued interest to the bank

Question: Assalamu Alaikum, I am an Indian living in a Hindu majority country. The banking system here runs on interest basis. In a savings account, can I take the money that is given as interest or should I forgo the money. Please instruct. Allah hafiz.

Subjects: Banks; Islamic jurisprudence; Usury

Fatawa

What to do with earned interest ? : interest gained on a saving bond received as a gift

Question: Assalamu Alaikum I have a question concerning interest. Before I converted to Islam, I took out some government loans to finance my education. I also recently discovered a government savings bond that I received as a gift several years ago. ....

Subjects: Endowments; Government bonds; Islamic jurisprudence; Usury

Fatawa

Working in conventional banks : working in a bank : [4]

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; India; Islamic Banks; Labour

Fatawa

Depositing in interest-based banks in Egypt

Question: Please I wanted to ask about bank's interests for a woman like me who cannot work as I have 2 kids at the same time I know no one who could invest for me this money. My question is also ....

Subjects: Bank deposits

Fatawa

Excuses for interest deals : earning interest for non-working woman with children

Question: please I wanted to ask about bank's interests for a woman like me who cannot work as I have 2 kids at the same time I know no one who could invest me this money. My question is also please ....

Subjects: Children; Islamic jurisprudence; Labour; Wages; Woman

Fatawa

Alternatives to interest : interest and Murabahah

Question: Dearest brother and respected Shaikh, I pray that Allah continues his blessing upon you and accepts your truly valuable work Fisabilillah, and grants you the highest ranks in Jannah, In Sha Allah. Amin. We are an Islamic Television Channel established ....

Subjects: Islamic jurisprudence; Resale on profit; Usury

Fatawa

Transactions confused with interest : recommending interest investment to non Muslim clients

Question: I am a Muslim professional financial planner (that is I recommend financial plans for a fee). Is it Halal for me to recommend non-Halal investments to non-Muslim clients ?.

Subjects: Investments; Islamic jurisprudence; Transactions; Usury

Fatawa

Money won in lottery : [2]

Question: Dear scholar, my husband, after exceptional participation, has recently won an amount of money from the lottery, is that money Haram gained from such games ? if not what is the amount of Zakah that can be derived from this ....

Subjects: Islamic jurisprudence; Lotteries; Money

Fatawa

Working in network marketing with pyramid commissions : a chain commission company

Question: Assalamu Alaikum, I have recently submitted few questions and now I want to ask one more question and the thing that I want to ask is about Halal and Haram.Now let me tell u in little detail so u will ....

Subjects: Islamic jurisprudence; Rewards

Fatawa

Financing house purchase in the west : buying a house in Canada : [2]

Question: Assalamu Alaikum. We are a family of four with two kids living in a rented apartment in Toronto Canada. We always dream to have our own house. The financial institutions help to mortgage the house. That is the most common ....

Subjects: Canada; Housing; Islamic jurisprudence; Sales

Fatawa

Alternatives to interest : are dividends forbidden like interest ?

Question: I have bought company shares after saving for 3 years. I receive dividends but I have not sold them yet. Q 1. Are dividends Haram as interest is on savings ? Q 2. Do I need to pay Zakah on ....

Subjects: Interest; Islamic jurisprudence; Profits; Taboos; Usury

Fatawa

Opening interest-based account : getting interest from banks

Question: My Muslim friend tried to convince me that collecting the interest paid by the bank on our savings account is permissible for us, saying that this was exactly like a business transaction similar to investing in the stock market. The ....

Subjects: Banks; Islamic jurisprudence; Usury

Fatawa

Examples of lack of justifying needs : who determines a person’s need ?

Question: I am referring to my question raised a couple of weeks ago and your answer to it by Mufti Dr. Monzer Kahf with reference 5 M 8 CK 7. I first want to thank you very much for the effort ....

Subjects: Islamic jurisprudence; Resale on profit; Subprime mortgage; ٌLeasing

Fatawa

House-purchase loans in Pakistan

Question: Currently I am looking for a house to buy. Since it is virtually impossible to have the full price of the house in cash, and mortgages involve interest, what would you recommend I do in order to properly pursue this ....

Subjects: Bank loans; Purchasing; Real property

Fatawa

Internet marketing and pyramid commission : net marketing sales and commissions

Question: Salam Alikom I would like to ask u about network marketing there is a new company which sell gold through the internet and the person who buys from them can in volved in the business as an agent for the ....

Subjects: Banks; Commissions; Internet marketing; Islamic jurisprudence; Sales

Fatawa

Working in network marketing with pyramid commissions : network marketing

Question: Salam Alaikum I would like to ask you about network marketing there is a new company which sells gold through the internet and the person who buys from them can involved in the business as an agent for the company ....

Subjects: Business; Customers; Network marketing

Fatawa

House purchase financing in Muslim countries : buying a house on interest in Pakistan : [1]

Question: Currently I am looking for a house to buy. Since it is virtually impossible to have the full price of the house in cash, and mortgages involve interest, what would you recommend I do in order to properly pursue this ....

Subjects: Housing; Islamic jurisprudence; Pakistan; Purchasing; Usury

Fatawa

Alternatives to interest home financing : personal lease purchase

Question: Is this Riba ? My brother would like to buy a house. I would like to help and invest at the same time. I plan to buy the house for him and charge him a reasonable rent. Each month he ....

Subjects: Contracts; Housing; Personal finance; Purchasing; Rent

Fatawa

Customer services in Islamic banks

Question: I have an import business, where i import the goods using L / C facilities (letter of credit) provided by Reba Bank. I deal with this bank due to many restrictions and limitations exist with the only Islamic bank in ....

Subjects: Competition; Customer services

Fatawa

Differences about Islamic banking

Question: How come that there is some accept the non Islamic banks and some does not accept that.

Subjects: Islamic Banks

Fatawa

Non essential interest clause in a contract : interest clause in letters of credit

Question: I have an import business, where I import the goods using L / C facilities (letter of credit) provided by Reba Bank. I deal with this bank due to many restrictions and limitations that exist with the only Islamic Bank ....

Subjects: Bank loans; Contracts; Islamic jurisprudence; Usury

Fatawa

What to do with earned interest ? : use of interest money : [3]

Question: Are Muslims allowed to take interest that banks pay on their money ? As we know, banks in U.S. pay interest, so what should Muslims do with the interest earned on the money that they keep in these banks ?.

Subjects: Banks; Interest; Islamic jurisprudence; Usury

Fatawa

What to do with earned interest ? : use of interest money : [2]

Question: I have sold a property with interest, when I agreed on the interest, I wanted to contribute it for building a mosque. But lately I have learned that this money is Haram. What do I need to do ?.

Subjects: Islamic jurisprudence; Money; Usury

Fatawa

What to do with earned interest ? : use of interest money : [1]

Question: Is it permissible to use interest money (accumulated without choice from bank accounts in countries like North America) for : (1) Needy people (2) Cover hospital expenses for people with insufficient funds (3) tuition fees for needy students (4) helping ....

Subjects: Islamic jurisprudence; Money; Usury

Fatawa

What :to do with earned interest ? interest earned and interest due

Question: I have a bank account where they pay me bank interest. Al-Hamdulilah, I manage to get rid of this interest once a while when it accumulates. However, sometimes my account goes on the red and they charge me interest. Because ....

Subjects: Bank accounts; Banks; Interest; Islamic jurisprudence; Usury

Fatawa

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

Question: Is borrowing money from a funding organization with interest rate, to establish a business, Haram or Halal ?.

Subjects: Business; Islamic jurisprudence; Loans; Usury

Fatawa

Prohibition of Riba and its rationale : what are the different types of Riba ?

Question: I would like to know about different types of Riba : Riba Jahiliyah, Nasiyah, Fadl, Qard etc. What is difference between it ? Thank You !.

Subjects: Islamic jurisprudence; Loans; Usury

Fatawa

Alternatives to interest does fixing the profit in investment make it like interest ?

Question: One Textile mill is offering investment Certificates and offer profit between 10-15 % per annum. It means they will give profit on year end not less then 10 % and not more then 15 %. It means profit is not ....

Subjects: Bonds; Investments; Islamic jurisprudence; Profits; Usury

Fatawa

Financing house purchase in the west : buying first home in Australia

Question: Hi, I’m a 22 year old Muslim female and I have a question on Usury. I have a lot of Muslim friends who are buying there first homes and investing in banks and so forth so they can make some ....

Subjects: Australia; Housing; Islamic jurisprudence; Purchasing

Fatawa

Financing house purchase in the west : getting an interest-based mortgage

Question: Hi, I’m a 22 year old Muslim female and I have a question on usury. I have a lot of Muslim friends who are buying there first homes and investing in banks and so forth so they can make some ....

Subjects: Islamic jurisprudence; Usury

Fatawa

Privatization and profit caps : limit on profit !

Question: Al Salam Alaikum, firstly, I want to thank you and may god give you success and Ujur from this wonderful service. My question is about selling luxury products. I plan to sell world class designer bags that I buy from ....

Subjects: Islamic jurisprudence; Sales

Fatawa

Working in real estates [1]

Question: Dear brothers : please answer this question base on Qur’anic back up. Is working for real estates or being a real estates agent Halal or not ? If it is not why ? Give detail, if it yes please give detail. Thank you very much..

Subjects: Labour; Real property

Fatawa

Prohibition of Riba and its rationale : is the prohibition of Riba based on exploitation ?

Question: I have heard from many sheikhs that interest rates are Haram, but no one ever gave me a convincing reason why this is so. According to my humble knowledge, all Ayat in the Holy Qur'an that mention the subject of ....

Subjects: Islamic jurisprudence; Usury

Fatawa

Sale of prohibited items : renting a place for an ATM of conventional bank

Question: Assalam-U-Alaikum Wah Rahmat Allah Wa Baraka I am a businessman situated in India. I have recently constructed a small building for commercial purposes which I intend to rent / lease out to some good company / firms. I have been ....

Subjects: Automated tellers; Banks; Islamic jurisprudence; Sales; ٌLeasing

Fatawa

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

Question: Assalamu Alaikum Wa Rahmatullah Allah Wa Barakatuh !!! My question is on insurance. Would you please advise if insurance is acceptable ? We have currently life insurances as well as educational Insurance for our daughter. Additional to that, we have ....

Subjects: Education; Insurance; Investments; Islamic jurisprudence; Money

Fatawa

Is it lawful to take welfare from non-Muslim governments : Muslim families who use government welfare

Question: The other day I was in a local grocery store. I noticed a Muslim man with his wife dressed in the typical Islamic / Middle Eastern clothing. When they paid for their food they used WIC, social assistance. I thought ....

Subjects: Islamic jurisprudence; Taxes

Fatawa

What to do with earned interest ? : having interest generating account and leaving the interest to the bank

Question: Salamu Alaikum I have a saving account and there is 1 % interest (Riba) but if there is going to be more than what I put in there I will not take it does that still forbidden in Islam. Thank you.

Subjects: Bank accounts; Banks; Interest; Islamic jurisprudence; Usury

Fatawa

Interest loans to buy other goods : an interest-based loan to get married

Question: what's your view of taking mortgage to get married if you are really scared of Fitnah and do not have anyone to support you ?.

Subjects: Islamic jurisprudence; Subprime mortgage; Usury

Fatawa

Conditions in home financing contracts : late fees and penalties

Question: In a buy-in-installments / lease agreement, would a late fee, or a breach of contract penalty fee, be considered Riba ? For example, if I miss a payment one month, I would be charged 10 euro for not fulfilling my ....

Subjects: Administrative fees; Commissions; Fines (Penalties); Islamic jurisprudence

Fatawa

Financing when you don’t have Islamic banks

Question: Dear Sheik, we're living in an economy that runs through the function of interests. We don't have an Islamic bank in this country yet. Although we have some Islamic institutions assisting us to acquire a house through what they called ....

Subjects: Usury

Fatawa

What is the alternative to the interest-based banking system ?

Question: Assalamu Alaikum. I am facing some queries with presently available BANK interest. All these are :1) Is the present Banking system ok in respect to Islamic Jurisprudence ?2) If we say present Bank-interest is Haram, we have to think about ....

Subjects: Islamic Banks; Usury

Fatawa

Signing credit cards’ contract and using it : using a credit and debit card with avoidance of generating any interest

Question: Assalamu Alaikum dear brother, I have and use a check card, which is a debit card, and most of my transactions are done through it. However, wanting to avoid Riba (usury) there is a small none fixed fee, interest, that ....

Subjects: Administrative fees; Credit cards; Islamic jurisprudence; Money; Usury

Fatawa

Sale with conditions in the contract : barter exchange

Question: Assalau Alaikum, I have a question regarding the view of Islam about barters (exchanging a product for another) i.e., I am thinking of trading my car for another, key-for-key, with no money being exchanged. Jazakum Allah Khair Majid.

Subjects: Contracts; Islamic jurisprudence; Sales

Fatawa

Is insurance permissible ? Life, car, health, property, hazards, shipping, etc. : free life insurance as an employment fringe benefit

Question: I live in the US. My employer gives me life insurance without a fee (as an added benefit). Do I have to follow Islamic laws of inheritance when I figure out the beneficiaries of the policy ?.

Subjects: Employers; Employment; Insurance; Islamic jurisprudence; Wergild

Fatawa

Promotional prizes with or without purchased tickets : promotional prizes, are they gambling ?

Question: I was looking at a website for Islamic investing and noticed that they are having a promotion where one can win an Umrah trip for 2. Isn't this like gambling and therefore Haram ? If not, please explain the difference ....

Subjects: Airlines; Gambling; Marketing; Purchasing; Tickets

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