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Session Details
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| Guest Name |
Dr. Monzer Kahf
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| Profession |
Scholar in Islamic Economics & Financial Expert
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| Subject |
On Financial Issues
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| Date |
Tuesday,Nov 3 ,2009
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Time |
Makkah
From...
14:00...To...
15:30
GMT
From... 11:00...To...12:30
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Host
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| Answer |
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Brothers and sisters, the session has already started. You can submit your questions. Please, make your questions short and clear so as to help us answer all your questions.
Yours,
Islam Online Fatwa Editing Desk.
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| Name |
Davi
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| Question |
Dear Scholars, assalamu alaikum,
I am working in a national sports federation, wherein they generate revenues from various sponsors. Lately, I came to know that one of the sponsor's only area of business is running a lottery outlet (in other words gambling). We get extra salary for our overtime. Upon enquiry, it was known that a part of the so-called overtime salary comes from the revenue received from this particular sponsor. As such, is my salary halal? After having the knowledge that my employers are encouraging the sponsor in conducting the business which is plainly haram in Islam. Please advise me!
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
What you earn is your contractual salary for your work, and you work in a company whose main line of business is permissible and you do a permissible job. These three points make your income halal. If the company encourages the gambling business, the sin of this act is on the person who does it. You have no relation to that, even though the company receives money from that gambling business.
Allah Almighty knows best.
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desperate muslimah
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Salam alaikum,
My question is not regarding financial issues, but I write to because I feel really desperate.
How can we deal with the people who refuse and judge us according to our origin? Be converted, is really difficult, being alone, without a Muslim family and moreover getting discrimination due to being 'European' and not enough good as a potential fiancée or a future wife because of the bad experience?
In the Qur'an and theory, Islam is so beautiful. In the last sermon of the Prophet (SAW) we got to know that there is no discrimination... But the reality is so different. What can I do to deserve a chance to marry to whom I want and he want me too, but having prejudge by the family (in Tunisia)?
Thanks
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
This is unfortunate. I suggest that you should consult a Muslim family and marriage expert like Dr. Mamoun Mubayed of Northern Ireland or any similar one and seek help from some wise scholar in your area.
Allah Almighty knows best.
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samah
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Assalamu alaikum
My son wants to study hotel management abroad. We are wondering if his salary from such work is halal or not, considering certain aspects of the hotels dealing with pork, alcohol and gambling. If he works in hotels, will his salary be halal or haram? Thank you
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
If he works in handing normal hotel activities, no alcohol handling and no relation to gambling or ball rooms mixed receptions, the way they are done in hotels, that makes his future salary and work permissible even though the hotel itself may have non-permissible income and or activities.
Allah Almighty knows best.
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pain for a wife
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Salam alaykum
Sorry that I ask something out of the topic.
Do you know a du'a in order to my husband do not lie to me? I think he does not tell me the truth regarding another woman who is in everyday contact with him. He says that they are friends. I can't ask him directly because I am always accused of jealousy. He calls her, visits her and he even does not search me or wants to be contact with me during these days. I am hurt extremely. I feel so down. I don't have self confidence because I feel that I fall, because he searches another one, but believe me I try to do everything exactly as he likes. Wait him in dresses, make up, smile, supper, love...don't know what to do. Give me a du`a so that he would be honest with me.
Jazak Allah khaiaran
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| Answer |
Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
please check with a general session on Fatwa or on family relations
Allah Almighty knows best.
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H. A
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Assalamu alaikum
From what point should a new Muslim begin to calculate zakah, from the time of conversion, or one year after? Also, should one count all contributions made to a pension scheme before conversion?
Jayzak Allah khayran
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
A new Muslim starts the calculation of Zakah from the day she/he acquires Nisab (this is approximately US% 1500). If she has this amount on the day she became Muslim, so she is to begin counting the days from that day, and after 354 days she will have to see how much she has. If she has anything that is equal to Nisab of more, Zakah is due at the rate of 2.5% and every 354 days from then onward.
We are talking here about Zakah that is due on wealth, properties (except what is exempted, i.e. what is mainly personal, such as things related to residence, transportation and the like).
Zakah of agriculture is due on the day of harvest and Zakah on livestock has different Nisab although it begins the same way from the day one acquires Nisab. Clearly, if one owns wealth on the day of becoming Muslim is equal to Nisab or more, then that is the first day for calculation.
Allah Almighty knows best.
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Nur
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Hi, I am contacting you in reference of http://www.answering-christianity.com/. I have a matter over here. Few months before I had a major car accident and 2 people died in the accident whereas I survived. Thinking about the accident, I somehow think that I was not concentrating while driving which caused the accident. This matter has been taken in court but no one has been able to contact the family members of those people. I totally have no idea about what should now be done since Islam states diyyah which must be paid since but I didn't kill anyone in fight, didn't even had any relation with them and didn't even know them. But still I am really concerned what will this case be treated as on the Day of Judgment since it is really disturbing me a lot in my life. I tried to do nothing bad but this one event can change my paths from heaven to hell.
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
This case of wasting life makes you liable for diyyah if it was a result of your negligence or even if it is not a result of a suicide intention and actual action on the part of the deceased. In other words, if the court came with the conclusion that it was the car driven by you killed them and they had not taken any clear action of suicide (like throwing themselves under your car), you are then required to pay their families (appropriate heirs) the diyyah. In today's currency, the diyyah varies from one country to another. In Saudi Arabia, they consider it SR 120,000 that I argue as, in fact, it is much smaller than what is intended by the Prophet (peace be upon him) when he made it about 4000 Dirham. After that and because of a decline in the price of currency, it was raised during Abu Bakr and Umar several times until it settled at 12,000 Dirham. I should say, in the US and in US Dollars, it is today between US$ 300,000 and 500,000 since 4000 dirham was equal to about 12 years of gross salary of a normal unskilled person. Diyyah is the right for this kind of killing, that is not intentional and it seems that you are required to pay it for each person that you killed by mistake.
Allah Almighty knows best.
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Human
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| Question |
Alsalamu alaikum
These days the internet allows access to a huge amount of media such as video, audio, TV programs, movies, lectures and more all available to be viewed, listened to or downloaded for free. This is usually a result of someone recording them off TV or purchasing them by themselves then uploading it onto a website for others to view, an example of this is youtube.com. My question is, is it permissible to watch, listen to or download this media, keeping in mind that some of the content may be off satellite channels which charge their viewers a fee or the content could be religious? Would that make any difference? Or the content could be TV programs, music or lectures available to listen to, watch or download, what if these are old and no longer available for purchase or hard to find or no longer viewable on TV? How can we judge what we can watch, listen to or download on the internet? This question does not relate directly to the permissible/impermissible content assuming that it is all permissible for a Muslim to view, listen to or watch.
Jazzak Allah Khairan
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
As long as you take them from a source that makes them available free, it is none of your worry where or how did they get them. What matters is that you do not pirate other people property. If they are available for free, take them for free from whoever offers them to you, of course, if they are permissible to view and watch. The person who pirates them, if they are pirated, is the sinful one not you and you are not required to check on how he/she got it.
Allah Almighty knows best.
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Human
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Assalaam alaikum,
Please clarify the following questions on Zakath: 1. Is zakat payable on the monthly income earned from the amount invested in shares of hotel industry and the whole income having been spent while calculating zakat after one year? 2. Is zakat payable on the amount invested in shares of hotel industry? If yes, what percentage of amount is applicable for zakat? 3. Is zakat payable on the monthly income earned from the amount invested in shares of hotel industry and that income is kept in bank? 4. When we take loan from bank we pay interest to bank, if for any reasons we keep that money in bank and the bank gives interest on that amount, how does it is balanced?
Jazak Allah khair
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| Answer |
Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Zakah is required only on the saved amount and the value of shares (that is the wealth item). All investments in share and otherwise are subject to Zakah every lunar year, at the rate of 2.5%. Hotel shares or others does not matter.
You should give away earned interest to Muslim charity and do not take interest-based loan. If you do, you are sinful and you have to pay the interest to the bank, you cannot use earned interest to pay this interest on loan because that amounts to taking it to yourself.
Allah Almighty knows best.
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| Name |
Bolbol Liliana
- Romania
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| Profession |
engineer
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| Question |
Dear Sir,
I was asking to know about zina at work. My husband is a Muslim believer and I find about him that he is involved in a relationship (sexual) with a woman at his work. I have proved that he is with her from a long time ago and a lot of people from the work know about this.
After my sad discover, he begins to pray and because I want to be divorced of him, he told me that there was nothing with that woman and tried to make me to believe that he is a good husband. Now, he continues to work with that person in the same conditions, like before, alone and together in the same room, and I need to know that this fact is not a zina? Because he stays with her in the same small room at work and they are talking together each day.
Is not his prayer accepted by God? Is he in zina, if he is continuing to work with her?
I ask him to let her go from the work and find something else and he told me that it is impossible.
It is correct to work in such conditions and me to accept that? He is praying every day after work and I think that it is wrong to stay in the same conditions and say that everything is ok from now.
Thank you for your answer a lot.
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In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Please, ask this question to a general session or to a Muslim family counsel.
Allah Almighty knows best.
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| Name |
Sabah
- United Kingdom
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Health Administrator
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Asaalamu alaikum wa rahmatu Allah
Dear Scholar, please advise me how does Islam deals with the following: Feelings and depression. Also we all know, there is such a great reward for sabr in the Hereafter but what about getting reward for sabr in this world. Do we getting reward (in forms of peace of mind, or happiness) here? Or will this life be just pain and suffering and nothing else?
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Of course, patience and surrender to the Will of God and faith is the best, all these give happiness and rest of mind, but again please ask this question to a general session.
Allah Almighty knows best.
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Muslima
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Respected Scholar, assalamu alaikum,
If a person has savings and he needs it to buy a house just about the same time when his nisab for zakat is due, what should he do? Thank you in advance for your answer.
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Wa`alaykum As-Salaamu Warahmatullahi Wabarakatuh.
In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
This person is required to pay Zakah on the entire amount she/he has on the 354th day after owning nisab at the rate of 2.5% and every 354 day then after. The amount that can be deducted is only an amount that is committed by contract to buying a house to live in or an amount needed for normal expenses until the next income interval.
Allah Almighty knows best.
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Mohammed Fawzi A. Amadu
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Business Consultant
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| Question |
Are capital adequacy requirements imposed on conventional banks appropriate to Islamic Banks, especially when we consider Profit Sharing Schemes?
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In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
There are two areas that we need to focus on in matters of risk management in Islamic banks: areas of the contractual relationship with the beneficiaries of Islamic finance and area of the sources of Funds of Islamic banks. On the side of use of funds because Islamic finance contracts, unlike conventional banking, are required to own real goods, assets and/or services before they can finance them to their clients. They are exposed to the risk of ownership that may include hidden defects as well as the new contract risk. In contrast, conventional banks provide loans only and these debts only involve credit risk.
On the side of sources of funds, Islamic banks have partners because investment deposits are taken on the basis of Mudarabah investment. This means that depositors carry risk of adversities along with shareholders. It is not the case in conventional banks that have lenders at fixed interest on the side of sources of fund.
Therefore, in the total Islamic banks may need more or less capital adequacy depending on the risk weight of these assets and their ability to shift risk to partners/depositors.
Allah Almighty knows best.
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Editor
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In the Name of Allah, Most Gracious, Most Merciful.
All praise and thanks are due to Allah, and peace and blessings be upon His Messenger.
Brothers and sisters, we are so sorry for not answering all your questions because the time is over. We apologize for any inconvenience. Do keep in touch. Join us in coming sessions.
Yours,
Islam Online Fatwa Editing Desk.
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| All Fatwas published on this website (Islamonline.net) represent the juristic views and opinions of eminent scholars and Muftis. They do not necessarily form a juristic approach upheld by this website. Click here to read Full Disclaimer. |
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