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By: Bin Bayir, Habib. Revue Economie et Management. No. 9 (Oct. 2009), pp.210-225, 16 p.

Subjects: Banks; Financing; Islam; Management; Small enterprises

Question: [Question one] :Dear Dr Kahf :I have a question and I appreciate your help with an answerI have currently a retirement account (SEP type) and because of the market status I have it all in a money market account.I want ....

Subjects: Kindness; Payments; Usury

By: Sulayman, Hamdun Ibrahim. مؤتمر الشباب الإفريقي المسلم و قضايا القارة (2008 : جامعة أم درمان الإسلامية، السودان) Majallat Buḥūth wa-Dirāsāt al-ʻĀlam al-Islāmī. No. 6 (Sep. 2009), pp.216-272, 57 p.

Subjects: Tanzania; Education; Muslims; Social conditions; Youth

By: El miniawi, nayera. Menoufia University, Faculty of Arts Journal. No. 78 (Sep. 2009), pp.2-14, 13 p.

By: al-Khatib, Muhammad; al-Zubi, Muhammad. Al-Manarah For Research and Studies. Vol. 15, no. 2 (Sep. 2009), pp.9-50, 42 p.

Subjects: Muslim woman; Woman

Question: AA Dr. Monzer,I wanted to ask you about 0 % Apr credit card loans while they take 3 % processing fee for the loan. Is that allowed given that I plan to invest the money for a short period of ....

Subjects: Administrative fees; Commissions; Loans

Question: AssalamuAlaikum brotherThank you very much for your valuable time. I really appreciate all the effort you have put into your website. It has been a valuable source of information for me.Please could you guide me for the following points ?1-In ....

Subjects: Money; Usury

Question: [Question One]Salam Mr. Monzer.I want to ask about network marketing Fatwa.I read a Fatwa that says it’s Halal, can you please let me know your feedback on this.. What I see that people don’t end up purchasing a Product, even ....

Subjects: Corporations; Internet marketing

By: Abd al-Rahim, Imad Ahmad. College of Islamic Science Journal. Vol. 3, no. 5 (2009), pp.1-22, 22 p.

Subjects: The holy koran

Question: WAA Dr. KahfJazaka Allah Khair and Ramadan Kareem.Would real estate agents be allowed on a Muslim business directory ? I understand mortgage brokers or people that give out interest based loans would not be, but we are a bit confused ....

Subjects: Business; Right to property

Question: Assalamu Alaikum,I'm Hijaz, I have a doubt regarding Alcohol. Is Alcohol donate Haram. Alcohol donate which is used in deodorant these days. One of my friend told me that which is not Haram. But I want to know will our prayers be acceptable after spraying this deodorant.Yours truly,Hijaz.

Subjects: Alcoholic beverages; Products; Taboos

Question: SalaamsDr. Monzer, pls. help replying the following question :Assalaamu 'Alaykum, I am wondering about the status of street performing (i. e. 'busking'). My parents claim it is a form of begging, and I've heard that begging is a form of ....

Subjects: Begging; Economic sanctions; Islamic jurisprudence; Products

Question: As-Salam Alaykum Wa Rahmatullah Wa BarakatuhRespected SheikhIn Sha Allah this email reaches you in the best of health and Emaan.And then we, brothers at Que One Group would like to greet you for the holy month of Ramadan. May the ....

Subjects: Contracts; Corporations; Investments; Islamic jurisprudence; Mutual funds

Question: [Question One]Salaam,Hope you and your entire household are doing great. Sorry, we could not communicate since after the course in Kaduna.Kindly help me with this clarification pls.There is this micro finance bank that does a bit of Islamic banking whereby ....

Subjects: Banks; Investments

Question: [Question One]Dr. Kahf,Hope you are well. I have the opportunity to be part of an online affiliate program that sells others' products on websites through online ads, and makes revenue from that. [commission]I am comfortable with most of the products-sometimes ....

Subjects: Documents; Lying; Marketing; Products; Taboos

By: Abd al-Rahman, Dhurriyah. Journal of King Abdulaziz University : Islamic Economics. Vol. 22, no. 1 (2009), pp.171-188, 18 p.

Subjects: Interdependence; Islamic jurisprudence; Insurance; Islam; Religious aspects

By: Sadiq, Muhammad Abd al-Rahman. Journal of King Abdulaziz University : Islamic Economics. Vol. 22, no. 1 (2009), pp.145-186, 42 p.

Subjects: Banks; Financial statements; Islam; Profits; Stocks

By: Mira, Ahmad Kamil Madyan; Abd al-Razzaq, Dhu al-Jastri. Journal of King Abdulaziz University : Islamic Economics. Vol. 22, no. 1 (2009), pp.121-143, 23 p.

Subjects: Contracts; Financing; Housing

By: al-Rabae, Ahmad. Review of Psychological and Educational Studies. No. 2 (2009), pp.1-56, 56 p.

Subjects: Counselling; Islam; Muslims; Psychology

By: Donabed, Sargon Jurj; Mako, Shamiran. Chronos. No. 19 (2009), pp.71-113, 43 p.

Subjects: Orthodox Eastern Church; Syria; Christianity

By: Loosley, Emma. Chronos. No. 19 (2009), pp.57-70, 14 p.

Subjects: Lebanon; Syria; Christianity

By: al-Jawadi, Abd Allah. University of Sharjah Journal of Shari'a and Law Sciences. Vol. 6, no. 2 (Jun. 2009), pp.1-23, 23 p.

Subjects: The holy koran

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Subjects: Insurance; Insurance policies; Islamic jurisprudence; Refinancing

Question: Assalaamu Alaykum WRB Sh. Monzer :InSha'Allah Ta’ala all is well with you and the family.Shaykh, what is your opinion on trading carbon emissions ? Or as they say 'carbon trading.' Effectively companies /countries / individuals can 'sell' their right to ....

Subjects: Greenhouse gases; Islamic jurisprudence

Question: Dear Dr. Monzer,Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,Following is a financial question about the ruling of investing money for a stable interestFirst Name : SuleimanSalaam Brother.. I am student in UK pursuing my masters in investment and Finance. I reside ....

Subjects: Investments; Money; Usury

Question: Dear Dr. Monzer,Assalamu Alaykum wa Rahmatullah Wa Barakatuh,Due to the financial crisis in the US, my company lost great business and I cannot pay back the creditors as they owe me huge sum of money that I cannot bear. In ....

Subjects: Debt repayment; Debts; Islamic jurisprudence; United States

Question: Dear Dr Kahf,Salaam Alaykum Wa Rahmatullah Wa Barakatuh.For the inventory financing, is it an equity investment or more of a debt.In other words, could it be used for the following scenario :Company X has a purchase order from a manufacturer ....

Subjects: Islamic jurisprudence; Purchasing; Sales; Stock

Question: Assalamu `Alaykum Wa Rahmatullah Wa BarakatuhDear Dr. MonzerQuestion 1 :Respected scholars, as-salamu `Alaykum. A few years ago, I entered a lucky draw where it was required to place the label of a soft drink that was purchased in an envelope ....

Subjects: Financing; Gambling; Housing; Lotteries; Sales

Question: As-Salam Alaykum Wa Rahmatullah Wa BarakatuhRespected SheikhWe hope you and your family are fine with the blessing from Allah SWT. Dear Sheikh, now a day we are in process of exporting some goods to Africa and there African port Authority ....

Subjects: Tariffs

Question: Dear Dr Kahf,Salaam Alaykum Wa Rahmatullah Wa Barakatuh.Thank you for your response. I have two questions:1) Can you please clarify the inventory financing option in more details. I understand it but what contracts have to be entered into and what ....

Question: Dear Dr. Kahf,Assaalaamu Alaykum Wa Rahmatullah Wa Barakatuh.I hope you and your family are well.I have a question regarding a financial advisory assignment we are working on.We are assisting a manufacturing company to deleverage (they currently have a 90 : ....

Subjects: Money; Purchasing; Sales; Stocks

Question: Dear Dr. KahfAsakI am 23 and got my first job about 9 months before. I have been thinking over the past few days’ ways of investing that is not 'Haram'. I will be highly obliged if you can tell the ....

Subjects: Investments; Pensions

Question: Assalaamu 'Alaykum Dr. KahfThis is Haroun from Trinidad. I attended two of your four day course you conducted here in Trinidad.I am seeking some advice. My contract with the government for my job has ended and I will receive a ....

Subjects: Investments; Trinidad

Question: Asalamu Alaikum Wa Rahmatullah,My name is Latifa. I was reading your Fatwa on Islamonline where a man asked whether he was permitted to spend interest money that they had collected to pay off his brother's debt in order to make ....

Subjects: Siblings; Usury

Question: [Question One] :As Salamu Alaykum,Our planned Shari’ah Compliant Fund intends to make use of Arbun and send us the attached documentation. I read it and was unsure about the choice offered for cash settlement as an alternative to physical delivery. ....

Subjects: Cash flow; Down payments

Question: [Question One]Assalamu Alaykum Wa Rahmatu Allahi Wa BarakatuhDear Dr KahfMy employer has a pension plan for his employee as part of the benefit package. The employer contributes yearly to the plan for each employee depending on his salary and then ....

Subjects: Investments; Merit; Pensions

Question: Assalamu AlaykumI hope you are doing well. I also hope that your family is doing well too.We have two questions that we are hoping you can help us with :1. Can interest money be spent on family who are in ....

Subjects: Kinship; Money; Poor; Usury

Question: Bismillah Ar-Rahmaan Ar-RaheemDear brother Monzer Kahf,Assalaamu Alaykum Wa Rahmatullah Wa BarakatuhI need an urgent clarification on the above subject.I and some brothers and sisters have set up an organization 10 years ago with a view of fighting poverty primarily among ....

Subjects: Investments; Mutual funds; Usury; Wages

Question: Dear Br. Monzer,Assalamu Alaykum Wa Rahmatu Allahi Wa Barakatuh.I hope things are going well for you, and I’m looking forward to seeing you again, Insha’Allah. I have a question for you regarding installment sales. According to Shari’ah, If the buyer ....

Subjects: Installment sales; Resale on profit; Sales

Question: Dear Dr. Monzer,Assalamu Alaykum Wa Rahmatullahi Wa Barakatuh,I live with my family in the USA. My wife and I are currently repaying our student loans which are of course interest based loans. I have a 401K account and my initial ....

Subjects: Insurance; Loans; Students; Usury

Question: Dear Dr. Kahf, AAI work in the construction industry and I do have the potential to expand. In some occasions, individuals are approaching me to invest their money. My company is still small, 100 % owned and operated by me ....

Subjects: Corporations; Investments; Money

By: Abd al-Wahid, Yasir Yunus. College of Basic Education Researches Journal. Vol. 9, no. 1 (2009), pp.413-445, 33 p.

Subjects: The holy koran; English language

Donor award: Alliance Islamic Bank Berhad (Kuala Lumpur, Malaysia)

Subjects: Capital; Debts; Infrastructure; Islamic jurisprudence; Management

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Subjects: Agency (Law); Contracts; Investments; Islamic jurisprudence; Resale on profit

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Subjects: Agency (Law); Contracts; Islamic jurisprudence; Resale on profit

Donor award: Mashreq al-Islami (Dubai, United Arab Emirates). Sharia'h Supervisory Board

Subjects: Accounts current; Banking services; Islamic jurisprudence

Question: Dear Prof Kahf,Salaam Alaykum,Thanks for your prompt response on the CBN white paper. It was quite useful.As discussed with your good self in the past, we are constantly receiving application for investments in real estate transactions both for real estate ....

Subjects: Real property; Transactions

Question: Assalaamu Alaykum Sh. Monzer,Can we charge more for exposure to greater risk ? For instance, if I am a supplier, and we get in agreement with a client, that we think would be high risk (liquidity problems, or general market ....

Subjects: Islamic jurisprudence; Liquidity (Economics); Market Risk; Price policy; Risk

Question: Assalaamu Alaykum Sh. Monzer,Jazaka Allah Khayr for all your earlier responses. Very insightful Masha Allah.What’s the difference between "risk-taking" and "Gharar". I know by definition Gharar means uncertainty. But, then, doesn't every business activity carry risk. I guess I am ....

Subjects: Perillous saale; Risk