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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 |
Thursday,Aug 13 ,2009
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Time |
Makkah
From...
16:00...To...
17:30
GMT
From... 13:00...To...14:30
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| Name |
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 |
Ali
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| Question |
I'm a Muslim and have a wife & a son (4 years old). The job that I currently have is very tiresome and has very stringent targets to meet every month. Some of the targets are unrealistic and the company constantly keeps the pressure on. This is affecting me in all possible ways. I struggle to fulfill my religious duties like reading Salat on-time. I don't have enough time to spend with my family also. I & my wife have reached a stage where we fight all the time as I'm more often than not quite frustrated & depressed with my job. The income from this job is good and we have been maintaining quite a good standard of living, if I quit this job and take up something for which I'm not qualified, the fear is that I may not be able to satisfy my family's wants and necessities, the way I'm doing now. My question is, is it permissible for me to take up a riba-based student loan for higher studies. This will give me added qualification which means I can migrate to US/Canada/UK and take up a better job which is not so pressurizing. Is it allowed to take this riba-based student loan in this situation? I'm anticipating that I'll be in a position to pay off the loan quickly once I complete my studies and take up a job. Please help me get this answer as I'm not able to concentrate on anything else in life.
This riba-based student loan will start only after 1 year of completion of my studies. But in the meantime, I will have to pay riba charges every month.
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| Answer |
Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
No, it is not permissible to take a Riba-based loan under these circumstances because there is no a necessity situation for the student loan. Besides from your good income you can save money for higher education, you can also work part-time with study. On the current job, I suggest that you may need to change your attitude toward your current work rather than have the company change its standards. It seems that you may use some good amount of family counseling for this purpose. There is no reason that job pressure should be carried home at the end of the day.
Allah Almighty knows best.
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Muslim sister
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| Question |
Assalamu aleykum! I want to be an actress. I love the theater, it's my life. Is it allowed by Islam for me to be an actress?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
The job itself is permissible but you should be very careful of the circumstances when you practice your profession. Acting may require the actor/actress to be in situation that is not permissible in Shari'ah. Of course this varies from country to another and from group standards to other groups. There are nowadays groups and companies of film making that observe the Islamic standards of behavior in their works in many parts of the world. Rather I would say that if you can practice acting profession while observing the Islamic values and behavioral standards you will be filling a very important and needed gap in producing films and plays that reflect the national and value systems aspirations of many Muslims around the globe. The necessary condition is clear commitment to the Islamic values and behavior.
Allah Almighty knows best.
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Hamada
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Salam! May I work as an Internet provider? I don't know, maybe some people will use internet for something Haram. Will I be accountable for that?
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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.
Yes, you are responsible to the extent of your ability. For instance you must not give your services to pornography or to propagate non-permissible products or behavior. Beyond that you are not responsible when you provide services to normal business and communication but some users abuse it by including things that are not permissible outside normal practice of contracted business.
Allah Almighty knows best.
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NA
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Assalamu alikum, I am working for an electrical distribution company. All our employees are not covered under any type of insurance coverage. But all our equipment are insured. And any accident happens the company will take any responsibility or will not give compensation. So can I take an accidental insurance policy. Expecting your reply. jazakallahumma khair. May Allah bless us
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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 there are any Takaful companies (Islamic insurance) that you can take the contract with any kind of insurance offered by such companies is permissible. But if there are no Takaful companies that you can reach and you believe that this kind of insurance is needed for you may take it with a conventional insurance company. Of the well respected views on insurance is that all insurance contracts offered by conventional insurance companies are permissible provided two conditions are fulfilled: the object be permissible; and the contract is not interest-based. Both conditions are to be fulfilled in case of accident insurance.
Allah Almighty knows best.
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| Name |
Louie
- United States
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| Profession |
N/A
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| Question |
As-salam alakum wa-rahmatullah wa-barakatu
Are vows and oaths valid if they are said in one's mind instead of the lips?
May Allah (SWT) reward you!
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| Answer |
Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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 Fiqh session.
Allah Almighty knows best.
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| Name |
Mahmoud
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Assalamu aleykum! Is it allowed to earn money on matrimonial website?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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 you mean by offering the service of a matrimonial listing the answer is YES. But of course those who list their names may not use their listing to earn or solicit money from others.
Allah Almighty knows best.
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Magda
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| Question |
If I buy expensive food and clothes, is it Israf in Islamic sense of the word?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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 prices are related to quality, convenience or similar matters and your income and wealth afford that, it is not Israf. But if prices are beyond your normal reach (in income and wealth) or if the high price only reflects prestige (like brand names or prestigious shops) that is Israf in Shari'ah because Israf is spending more than normal of purchases.
Allah Almighty knows best.
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Ahmad
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Assalamu-allaikum. I recently moved to Sri Lanka and have been finding it rather difficult to find steady job. So far I have been to a few interviews but haven't yet been successful! Is there any special dua or supplications that I can practice daily to ask Allah to help me find a job? I did do some searching on the internet and found some dua's but not very sure if these are authentic. I appreciate all your efforts in helping you show the correct path to Muslims around the world. May Allah grant you more rewards! Thank you.
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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 the duaa that we say during the sitting between the two Sujuds, it has "wa Rzuqni" (give me sustenance) and the famous Duaa of seeking protection of Allah from depression and sorrow, incapacity and laziness, etc.
Allah Almighty knows best.
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Anna
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| Question |
I heared that the Prophet Muhammad (pbuh) spent half of his money for perfumes. Is it truth?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
That is not true. But he used to use perfume and said (not very strong Hadith from authenticity point of view) that buying expensive perfume is not Israf.
Allah Almighty knows best.
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Muslimah
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I am wondering if I can contest a situation by Shari'a. My parents before my moms' death, wrote their house and all its content solely to my sister. when my mom died I asked my sister to give me one thing that belonged to my mother as a souvenir and she refused. There are things in this house that belonged to my great grand parents. I am very upset? Is there anything I could do? My mother died now, how long before I can ask for Hassr al irth without paying penalties?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
When your mother died, every property that she owned at the time of her death should be distributed in accordance with the Islamic inheritance system. This is imposed by law in almost all Muslim majority countries. If you live in any such countries personal belongings, and all other properties of the deceased should be distributed accordingly. Your share in all that is equal to your sister's. Properties that were recorded in name of your sister may be difficult to contest, regardless of whether you mother transferred the record rightly or wrongly. But properties that are not recorded in name of sister are still subject to distribution. For period to contest you need to check with a local lawyer in the country you live in or in the country where property is located. This is procedural that shari'ah does not discuss.
Allah Almighty knows best.
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SSS
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As-salamualaikum. I am currently studying in United Kingdom for my degree. During this summer, I am planning to gain some valuable experiences, dealing with local people and to gain some extra money. In my university, there are posts being a student assistants for the university intro week. The work is like greeting new students and tell them the things they need to do whenever they come to university, help them register and so on. However one of the requirement of the job is the need to notice/accept the alcohol present in working environment. Therefore I ask the employer in further details and they said as this: "There is a chance that most of the jobs may at some point or another be in an area where alcohol may be present, such as handing out information in or around bars. None of the jobs involve dealing with alcohol directly though. I hope this helps you with your decision about applying for the job." Therefore I would like to know the hukm/ruling regarding the situation. Can I considered as involved in syubhah? And what is your advice on this situation, is it ok for me to apply for it or not? Jazakallahukhair. here you can see the detail of the jobs: http://www.shef.ac.uk/union/about/jobs/casual/ACS_Casual_Staff_Job_Description_and_Specification_0609.pdf
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
I don't give opinion on websites because they are changeable and their details are not mentioned in the question that is always a part of the answer.
Walking or going near places where alcohol is served or sold is not Haram. Guiding a purchaser to the place is Haram though. And it seems that your job does not involve any invitation to drink or buy alcohol, if so I see no reason why there should be any thing non-permissible in this job.
Allah Almighty knows best.
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nasima
- South Africa
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| Profession |
housewife
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| Question |
Slmz. My husband and brother in business together. Business does not ever seem to progress for a few years now.... need sum dua
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| Answer |
Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
May Allah help them.
Allah Almighty knows best.
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| Name |
Louie (or Lo'ay)
- United States
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N/A
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| Question |
As-salam alakum wa rahmatullah wa-barakatua
Does paying a late payment count as riba?
May Allah (SWT) reward you!
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
Late payment fee is Riba unless proven it is only to the amount of additional out-of-pocket cost caused by delinquency of the payment. It is Riba because it is an increment in a debt for the additional duration.
Allah Almighty knows best.
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| Name |
saima
- Pakistan
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| Profession |
housewife
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Assalamoalaikum. I have two sons, I am seeing this dream of loosing one of them very often, I see that I am shouting , crying and running to find him but in the end I did not find him, I tried to pray 5 times prayer and I have been reciting ayat karima for 500 to 1000 times daily…my elder son is autistic and I am very worried about him……I am not sure that is it my worries that convert into dreams or is it something else but I can tell you this that most of the times my dreams comes true by the passage of time…please help me …
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
I pray to Allah that no harm is done to you, any of your family and all Muslim anywhere in the world. Please Sister Saima, check with a specialist, this session can't offer any help in this area
Allah Almighty knows best.
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| Name |
ABDUL WAHID
- Pakistan
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| Profession |
ACCOUNTS
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| Question |
Asslam-o-alikum,
I need answer to the query that if I give some money say RS.50,000 as loan to some one with the agreement that it would be paid back in two years. After expiry of 2 years, I received rs.50,000 from the borrower in full settlement of the loan. Now in terms of money, I received full amount back, but in terms of value, substantial decrease has occurred in purchasing power of rs.50,000 during the two years tenure due to inflation prevailing in the country. Now how will the loan giving person be compensated for the inflation causing the decrease in currency value? Can he charge inflation rate along with his principal amount from the borrower? Qur'an says "LA TAZLEMOONA WALA TUZLEMOON" meaning do not suppress any one and not be suppressed. What is your answer or solution to this Q. Usually persons are reluctant to give debt for long term due to loss arising from inflation. Thus needy persons are deprived of financial assistance from his friends and relatives who excuse them not disclosing the real reason (financial loss in currency value) behind their refusal. Waiting for your Fatwa and clarification.
ALLAH HAFIZ
ABDUL WAHID-KARACHI-PAKISTAN
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| Answer |
Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
It is true that during inflation people tend to give less loans. This is normal. It is also normal that when inflation is mild that people tend to ignore it in giving loans and in creating debts through sale on credit.
If the change in the value of money is high between the date of giving a loan and the date of paying it back, a settlement should be negotiated between the two parties (this cannot be of course at the time of the contract but only at the time of repayment). If they do not reach a consensual agreement of a compensatory amount a court can force it. This is called "al sulh al Jabri" and it is permissible. Also when inflation is expected to be high, people may give loans in other materials such as gold or corn. In this case they must also return same amount of the item that is given as a loan not the value of it on the day of extending the loan.
Allah Almighty knows best.
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| Name |
Ahmed
- Saudi Arabia
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sales and marketing
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| Question |
As salamuAlikum,
I would like to know about commission income, is it permissible that a supplier offers you to sales their product while you are getting salary and some commission from your employer to sales the same products. please advise me in detail.
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
Commission added to a salary in the form of a performance bonus is permissible. As in sale where a salesperson receives a fixed salary and additional percentage of sale above certain amount. This kind of commission is permissible. Also a bonus declared at the end of the year as a percentage of profit given to employees as performance bonus is also permissible. Also employment on the basis of percentage of sale or units of output without any fixed salary or with a small salary that pays only a bare minimum but the commission is much higher. All these forms are permissible.
Allah Almighty knows best.
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sister S
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Does a man has to pronounce Talaq for it to be accepted or a written statement is enough?
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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 it in a general session.
Allah Almighty knows best.
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Sister in Islam
- Denmark
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Asalamu Alaykum wa Rahmatullah wa Barakatuh.
I'm not sure if this is where I should post my question.
I am in the situation where my worries are getting out of hand. Some years ago, I made the mistakes of getting myself into deep debts of all kinds, and after Allah swt has guided me to Islam, I have now trouble paying them back, as it requires for me to work, and of all the time I've been searching for a job, it has not been possible to find one that has full halal incoming. Either, I'm working with men, have to take off my hijab, or sell/give haraam things. I'm confused about the situation, and my question is, in which way should I manage this, if it is permissible at all to go through one of the above, to get the debt paid? Even though I wouldn't be in any relief with taking that road.
Jazaak Allahu Khayran
Fi Amanillah
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
Removing Hijab for work is not permissible and selling alcohol, cigarettes, porno pictures, pork and other prohibited things is not permissible too. But there are hundreds and thousands of jobs in Denmark that do not require either. It seems that you may be searching in the wrong places. Debts have to be paid back to creditors and it is an honor to have a job and work for any person. You may see help from the Islamic center in finding a suitable job or from Muslim business persons around.
Allah Almighty knows best.
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ambreen
- Pakistan
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student
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| Question |
On what basis we compare a takaful industries and insurance industries in Pakistan? In a society where no concept of halal and haram, how we can educate them for takaful?
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Wa `alaykum As-Salamu wa Rahmatullahi wa Barakatuh.
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.
All third world people are not familiar with insurance and feel skeptical about it. You need a long education process.
Takaful is based on cooperation and membership concept while insurance is merely an exchange contract between two parties. This is the basic difference. Of course a Takaful company also invest its funds in accordance with Shari'ah while an insurance company mostly invest on interest basis.
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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