Q&A Library for Business Dealings & Money Matters

# Title Post date
1 Usurping electricity Fri 20 May 2016

We live in an elite suburb of South Africa, and are therefore heavily billed for electricity usage whereas other areas are charged a much lower tariff, and some underprivileged areas do not even pay any electricity bills. Is it permissible for us to bridge the electricity meter and thereby pay a much lower bill as such a practice is not fair to residents living in an elite area?

2 Fulfilling a work contract Thu 06 Sep 2018

Question:

1. When a person joins or starts working at a business place with a general and informal contract that every month he will receive a certain amount will this be permissible?

2. If the person employing says to the one working for him: "You may work for me for the moment, but if you want to join somewhere/someone else just let me know if you're going for an interview; will it be permissible for the person working to go for the interview or plan changing work without informing his employer?

3 providing services to aid Haraam Thu 06 Sep 2018

Question:

Is it permissible for a Muslim fashion designer or building designer/architect, etc. to plan a building or design clothes that are of the non-Muslims, or draw and design the works in a synagogue, Mandir, church, etc?

Will it have any connection with the Hadeeth: من تشبه بقوم فهو منهم?

Will it be permissible for a Muslim company that does construction work to build a church etc.?

Answer:

4 Comprehensive car insurance Sun 09 Sep 2018

Question:

Is it permissible to take out comprehensive insurance on a car that I'm buying?

Answer:

All forms of voluntary insurance are Haraam due to it containing the element of gambling and interest, hence subscribing to a comprehensive insurance will not be permissible.

Answered by: Mufti Mohammed Desai
Checked and approved by: Mufti Muhammed Saeed Motara Saheb D.B
Date: 27 Dhul Hijjah 1439
English Date: 08 September 2018

5 Having a job that assists in sin Thu 13 Sep 2018

Question:

6 Leaving job due to insistence of parents Thu 13 Sep 2018

Question:

What is the ruling regarding a person (son) who is being forced or advised by his parents to change his job, for whatever reason they may have. Is it necessary to obey them, whereas we learn that in some Ahaadeeth Rasulullah Sallallahu Alaihi Wasallam says that one shall not change his means of sustenance. therefore, what would be the correct course of action for the son to take in this situation?

Answer:

7 Hospital plans Thu 13 Sep 2018

Question:

Would it be possible to give me a ruling on hospital plans, which we would like to take out for our elderly mother, if it is allowed. With the current situation of our government hospitals it is a concern for us with the dwindling health care that is being received.

Please advise as to the permissibility of a hospital plan.

Answer:

Hospital plan follows the same principles as medical aid and therefore the ruling of impermissibility that applies to medical aid will be applicable here as well.

8 Liability for loss incurred in by employer Tue 18 Sep 2018

Question:

9 Liability for loss incurred by employer Tue 18 Sep 2018

Question:

10 Retracting a voluntary right gifted to someone Wed 19 Sep 2018

Question:

1)the father gives his children certain assets during his lifetime.they voluntarily allow him to retain the profits from these assests. Can they after a period of time retract the right of usage of profits from him.

2) as in the case above the children have entered into a written contract with their father for usage of profits of the assests till his demise. Can they retract on this written contract.

Answer:

In the first scenario, the children can retract the right of retaining the profits.

11 Oasis Crescent Funds and Kagiso Islamic Equity Fund Wed 19 Sep 2018

Question:

Asalaamualaikum respected mufti sahib my wife has contributions of money from her father can we invest it in the following :

Oasis Crescent Equity Fund
Oasis Crescent Balanced Progressive fund of funds
Oasis Crescent International Feeder Fund
Kagiso Islamic Equity Fund

jazak ALLAH khaira

Answer:

12 Selling impure items and insemination of animals Mon 01 Oct 2018

Question:

Asalamualikum respected Mufti Saheb I understand my inability to judge between the right and wrong i just wanted to find some clarity regarding a certain Masala

13 Website hosting as a reseller Wed 17 Oct 2018

Question:

I needed to find out regarding the permissibility of making a profit on website hosting as a reseller.
A reseller pays his host for the hosting and then resells this same hosting to his client for a profit.
Is this permissible?

Answer:

14 AA SERVICES Wed 17 Oct 2018

Question:

Is it permissible to use A.A. car services?

Some people say it is like renting a house and not staying in there all the time, so you are paying for a service and not using it.

Will the ruling of car motor plan be the same?

What is the Sharíe definition of gambling and interest?

Answer:

15 Ebucks Wed 17 Oct 2018

Question:

Is it permissible to use ebucks? (Putting money into a bank, paying for safekeeping and getting monetary benefits)

Answer:

16 Commission agreement Wed 17 Oct 2018

Question:

Could you please inform me as to what is the shariah ruling in the following situation

Mr A agreed to mandate a property to mr B to sell for an x amount with the agreement/condition that any amount over above ‘x’ amount will be deemed to have been earned by mr B as his commission for the sale
With the mandate being open and not restricted to a specific time limit

Mr B fulfills his part by getting a suitable buyer for the property
The buyer then puts down a deposit into a trust account
Now that a buyer for the land has been found

17 Liability for renovations to a leased property Wed 17 Oct 2018

Question:

Can the Shar'i ruling regarding the following two cases be provided. جزاكم الله خيرا

Case 1

I bought a house with the tenant staying there. He continued staying...

18 Hosting a Website Sat 02 Mar 2019

Question: 

Can Mufti Sahib please
advise regarding the following:

Around 13 years ago we
did website hosting for a client. We acted as a reseller by getting the hosting
from a company and then reselling it to our client.

When reselling it we
agreed on a monthly rate of R100. There was no time period specified for the
hosting. Was this ijarah faasidah? If yes, how do we correct the transaction
now?

19 Liability upon destruction of premises due to fire Sat 02 Mar 2019

Question: 

Assalamualaikom
Mufti, we had a fire at our business the cause of the fire is unknown. It
started at a premise we sublet to a friend of ours,and then spread and
20 Working for company dealing with interest Mon 04 Mar 2019

Question: 

A brother works as an
agent for RA CELLULAR (PTY) LTD. He does installation of machines and customer
21 Settling a business dispute Mon 04 Mar 2019

Question: 

In 2016 I paid an
agent £19500 for a package for 4 people (myself, my wife and my two daughters).
Just after ramadhan 2016, my eldest daughter had an operation and so she could
not travel and as such my eldest daughter and my wife had to cancel their Hajj trip.


As the trip was already paid for and after asking the agent, I got my niece and
her husband to join me and my daughter for Hajj from Zambia.

They applied for thei visa in Zambia and booked thei flight tickets from Zambia

22 Medical aid Mon 04 Mar 2019

Question: 

What is the ruling aroung medical aid and hospital plans? Are they Jaa'iz or not? 

Answer: 
Our Darul Ifta does not approve of any form of medical insurance or hospital plan due to them containing the element of gambling and Riba. Yes, the scenario will be slightly different if medical aid is enforced upon an employee by the employer in which case the employee is permitted to take benefit from the medical aid cover. However, under normal circumstances it is impermissible to subscribe to such a policy.
23 Paying for gold in advance and receiving it at a later stage Mon 04 Mar 2019

Question: 

As far as gold is
concerned, does the gold have to be paid for and received in one sitting?

Gold price fluctuates
by the minute. 

We have to book coins
and pay for it in advance by one day, sometimes two. Is this legit?

24 Responsibility in Mudhaarabah Mon 04 Mar 2019

Question: 

I entered into a
mudarabah contract with a friend.

He purchased a vehicle
which required repairs.

While repairing he
realized that the vehicle's paperwork was not in order.

So he decided to
return the vehicle to orignal owner.

25 kitty amongst co-workers Tue 05 Mar 2019

Question: 

Work colleagues 
were discussing about a sum of money each month and each month someone will
collect a set amount. 

Eg. 5 persons namely
A, B, C, D & E each put in R100.00 into a kitty for 5 months and each
person will take turns to collect a monthly accumulated amount. Is this
permissible as I told them  

" IT IS NOT
PERMISSIBLE "

Please advise

26 Handling fees upon return of an item sold Tue 05 Mar 2019

Question: 

I would like to know
if handling fee is permissible in sharyat? The surat is: The customer orders a
27 Takhliyah in a gift Tue 05 Mar 2019

Question: 

Zaid tells Amr that i goft this watch to you. Zaid then places the watch in front of Amr in such a manner that Amr is able to take possession of the watch and says' "Here, take this". 
Will this make Amr the owner of the watch if he doesn't pick it up and leaves the place? 
Explain the concept of Takhliyah. 

Answer: 
28 Usage of interest funds Tue 05 Mar 2019

Question: 

I am an accountant
and work for a government entity in the Western Cape province called
CapeNature. Our core function is to conserve nature in the province which also
29 Working for company dealing with insurance policies Tue 05 Mar 2019

Question: 

I wanted some advice
on a new job I just started and whether it is allowed and okay to work here

I will admit I did not
do full due diligence before accepting the job hence my question

The
company manages critical incidents in the car and home on behalf of the
world’s leading insurers, brokers and fleet managers, together with warranty
and service plan provision for many automotive manufacturers globally.

30 Taking photos of animals and selling photos Tue 05 Mar 2019

Question: 

Is taking photos of animals allowed? Is the income earned from taking photos of animals allowed? 

Answer: 
1. It is not permissible to take pictures of any animate objects. (Shaami Vol. 1 Pg. 650) 
2. The income earned from such pictures will not be Ḥalāl. (Kifaayatul Mufti Vol. 9 Pg. 423) 

AND ALLAH TA'AALA ALONE IN HIS INFINITE KNOWLEDGE KNOWS BEST
ANSWERED BY: Sohel Randera
31 Paying recruitment company a percentage of employee's salary Wed 06 Mar 2019

Question: 

Many corporate
companies use the services of a recruitment company to find staff. The
corporate company provides the specifications of the vacancy to the recruitment
company. The recruitment company then suggests candidates that it knows. If it
does not have a candidate that matches the specifications it advertises the
position to get candidates. If the corporate company is happy with the
candidate provided it pays the recruitment company. As payment for this

32 Buying gold on credit Wed 06 Mar 2019

Question: 

A person buys gold coins from a gold broker/dealer. He deposits the money into the dealer's account and collects the coin at a later stage, perhaps a day or two later. Is this correct? Is it necessary to take possession of the coin immediately? 

Answer: 
This will be correct. It is not necessary to take possession of the gold coin immediately. (Shaami Vol. 5 Pg. 179) 

AND ALLAH TA'AALA ALONE IN HIS INFINITE KNOWLEDGE KNOWS BEST
33 Difference between Dain and Qardh, Delayed payment, Immediate payment Wed 06 Mar 2019

Question: 

1. What is the difference between Dain and Qardh? 
2. If a person purchases a pen from a store and walks away with the intention of paying a little later, will this fall under the category of Dain or Qardh? In this case, no time has been fixed for payment of the goods. Is this transaction in order? If a purchaser buys the goods, but no arrangements have been made to pay in "terms", will this be considered a cash transaction, except that the buyer is delaying payment? 
34 investment with fixed returns Wed 06 Mar 2019

Question: 

 I wanted to know
if this is permissible.. 

There's a website
online where you can buy a chicken for R35 and over a period of 56 days you
make a profit of R13.. The company grows the chicken for you and sells it after
56 days.. Is this type of investment permissible?


Answer: 

35 Subletting to a tenant conducting doubtful business (hair braids) Wed 06 Mar 2019

Question: 

A Muslim businessman wants to sub-let a portion of his business to a salon where hair braids are joined to the hair of the clients. Would it be permissible for the businessman to sub-let his premises for such a purpose? 

Answer: 
36 Unit trusts Wed 06 Mar 2019

Question: 

Around 20 years ago
my uncle had invested some money under my name into the following unit trust:
Nedgroup investments rainmaker fund.

37 Trading on the stock exchange Wed 06 Mar 2019

Question: 

Regarding the stock
exchange

Is it permissible to invest in the stock exchange by ensuring that we abstain from
38 Lay bye claim Thu 07 Mar 2019

Question: 

slm my question is
that i sold my business to a bangladeshi our agreement was that he would pay me
39 Life insurance to pay estate duty Thu 07 Mar 2019

Question: 

I would like to find
out about the permissibility of taking out life insurace only to pay the 25%
estate duty tax to SARS. 

40 Debt collection charges Thu 07 Mar 2019

Question: 

Our Islamic school has
reached a point where people dont pay their school fees putting the school
under tremendous pressure as we depend on fees for all our expenses...we now
hand over these amounts to a Muslim lawyer firm to collect.they charge a fee to
the parent for collection as we cannot afford to pay the firm...is this
collection fee charged by the firm jaiz?


Answer: 

41 Investing on stock exchange Thu 07 Mar 2019

Question: 

I would like to know whether it is Halaal or Haraam to invest in the stock market? 

Answer: 
This issue of investing on the stock market has always been a controversial issue amongst the scholars with some permitting it and others not being in favour of it. We at our Darul Ifta do not approve of investing and trading on the stock exchange.

And Allah Ta'aala knows best
42 Returning company files after termination of contract Sat 09 Mar 2019

Question: 

1. An employee has an
open contract, i.e. no time limit for the contract is stipulated. The employee
43 charging for courier services Sat 09 Mar 2019

Question: 

I have the following
questions regarding courier services / charges when we sell our kitabs:

44 Selling a leased property Sat 09 Mar 2019

Question: 

1. Person A sells a house to person B which person A is renting to person C, on condition that person B rents the house to person A and he (person A) will deal with the matter between him and person C. 

2. Can you sell a property being rented out? Who will the rent go to? 

Answer: 


45 Sale with condition of regulating price, 3rd party insurance Sat 09 Mar 2019

Question: 

1.If a supplier of
goods supply me goods at a certain price and tells me to sell it at his
predetermined price, am I obligated to sell it at that price. 
46 Barber shop as an occupation Sat 09 Mar 2019

Question: 

Is it permissible to
open a Barber Shop knowing that most of the hair that will have to be cut will
not be permissible. Also many a times the barber will be asked to shave or trim
the beard. 


47 medical aid, hospital plan Sat 09 Mar 2019

Question: 

1. Is the usage of Medical Aid permissible? If not, are there any cases in which it would be permissible to use it? 
2. Is the usage, taking benefit from hospital plans permissible? 

Answer: 
All conventional insurance policies and schemes contain elements of interest, gambling and Gharar (uncertainty), that are forbidden in shariah.
There is interest in conventional medical aid cover:
48 Accepting full wages despite not working full hours Sun 10 Mar 2019

Question: 

A worker received full wages but due to coming late to work, he worked less that what he was supposed to. When the worker wanted to make some arrangement with the company, they replied that no such arrangement can be made because the contract has already been signed a long time ago and alot of time has already passed. 
Are these wages Halaal for the worker? 
If not, what should he do with this money? 

Answer: 
49 Leasing property to bottle store or mortuary Mon 11 Mar 2019

Question: 

1. Is it permissible to let out one's property to a company that wants to use the place for the storage and distribution of liquor? The liquor is manufactured elsewhere. 

2. Is it permissible to let out the place as a mortuary to store dead bodies? 

Answer: 

50 Working in a conventional bank Wed 18 Sep 2019

Question: 

I've been working for
the last 7 years in a bank as a project manager and as I started to grow in

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