Business & Finance

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​I just wanted to ask if it is permissible to buy into loyalty rewards clubs. There is a company that offers its loyalty members discounts to 1000s of stores and they sometimes do draws for their members to win cars and other things, so is it permissible to buy into that sort of scheme? The link for the website is: https://lmctgiveaway.com/loyalty-membership

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My nephew works in Qatar airways as a cabin crew. Serving alcohol on routes where alcohol is allowed is included in his job profile. So now,
1. Will his income generated will be treated as haram?
2. I want to do partnership with him for a business, his share of capital is the income generated from his salary from Qatar airways as a cabin crew in which his job profile include serving alcohol.
Can I do business with him , as I know if one halala of haram is included in any business it makes the whole business haram. So, is his income haram or not.

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My employer has given Christmas gift cards for shopping as a gift. Just wondering what to do with these ? Personal use or charity to masjid or any needy muslim ?

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I wish to sell a property (real estate) to someone in installments spread over 3 years:
 1-At what point does the property change ownership?
 2-What should we do if either of us does not complete the transaction (for example he does not complete payments, or I die before transferring title to him, etc...)?

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I’m in pharmaceutical business. Recently someone asked me to import some meat items, including pork and some other haram meats. Please advise if it’s ok for me to do this business? 

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Can we used interest money in our home toilet or bathroom ?

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I have loan and I have to pay it off by one week. But at the moment it is very hard to organise that money.

I was wondering can I borrow the money from Commonwealth Bank as fixed rate personal loan (https://www.commbank.com.au/personal/personal-loans/fixed-rate-loan.html).

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My question is regarding the lawfulness of my current job. I work as a community pharmacist in the UK. I recently read a fatwa stating that anything that is haram for me to use is also haram for me to sell or supply, even to non-muslims. I also read another fatwa that it is not permissible to use haram medicines when halal alternatives are available.

Now a lot of times I have to supply a haram medicine, even though an alternative is available, because that is what the doctor has prescribed which I have to give or a patient might be wanting to buy their favourite brand of medicine. And ofcourse as this a non-muslim country, neither the doctor prescribing the medicine or a customer requesting to buy a medicine will be too concerned whether the ingredients are haram or not and will be concerned with other factors such as price of medicines and it is difficult for me to refuse to supply those haram medicines.

So basically I wanted to know, is it haram for me to supply / sell a medicine that I know contains a haram ingredient and other halal alternatives are available. Thankyou in advance for taking the time to address my query and I look forward to your reply. JazakAllah

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We have a non-muslim tenant who runs a supermarket business. We have an agreement that he will not sell liquor and pork.

My question is he is selling for eg. corned beef, biscuits etc which Muslims can't eat because of the haram ingredients or issue of stunned meat etc.

Is the rental income halal in this case?

If it is then what is the difference by not selling pork or liquor?

Also for betting business, is it permissible to lease to them?   And for people who need to rent my space to do speeches like the church groups who promote their religion?

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Can we pay the hospital bill with interest money?

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Is it permissible to buy a Toyota on finance with 0% comparison rate. The terms and conditions of this deal is as follows....

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I am looking for some casual job and found that one survey firm is hiring people to do survey on shoppers at Coles and Woolworths. The survey is on pork. I'm not yet confirmed what exactly the questions will be but probably on buyers' buying habit. Please tell me if they offer me the job, will it be permissible? 

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Can you please advise the status of efsol.com.au in regard to shariah complaince and halal solutions for home loans? If it is permissible and according to shariah or is it non-islamic.

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We hereby would like to clarify some uncertainties in the wages being paid to the employees. We have around 135 employees and each of them have different variance in punching time out. This variance covers 15-20 minutes. The likely reasons for the variances are in turn punching of all staffs. All staffs can not punch at once so they have to wait for their turns. Some of them are in process of closing transactions for the last customers then punching out for home. Meanwhile, this extra 15-20 minutes are not accounted in the per minute worked wages. Our concern is that whether this process is acceptable as not to pay. Is it allowable under Sharia? .............

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I am a tutor in accounting at a university in Fiji. I teach accounting. The university teaches various number of courses. Some of these include, graphic arts in computing and in other departments, they teach film making, etc. Please advise if my income is halaal. The website for the uni that i work is www.fnu.ac.fj 

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Is selling cigarettes halaal or haraam?  

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One of the masjids in Japan consists of two floors. From the beginning, they have declared that first floor is community center, and second floor is masjid. The committe of masjid has taken an insurance for the building of the masjid (fire insurance).

Once there was a typhoon which caused damage to the first floor of the masjid, and the insurance company has paid some amount to the masjid. 

Can we use this amount to buy carpet etc for the first floor of the masjid? 

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My sister is about to start a business as a nail technician..the job where they will be putting on false nails for women for fashion..is this type of business halaal?? 

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I am working in a company where I am dealing with lease cars for company under guidance of my Boss. We have obtained such cars on operating lease from a Bank, in which it is required that after completion of time such cars should be given back to the Bank. But in Pakistan no Bank was giving true operating lease, hence Bank asked us to give them salvage value and nominate some person in whose name such cars can be transferred.

My Boss has provided them some names and has took profit from sale of those cars without informing the Management. Then he gave me some money out of profit he obtained from the buyer which I took. Now for past 1-2 months I am thinking about this whole scenario and is of the opinion that this transaction is haram for me as it was:

• Not allowed in my job.
  
• We have not informed and take approval from Higher Management.
  
• This transaction was made to make profit out of it.
  

Now I want to give back this money to my Boss and whatever he wants to do with it, it will be his responsiblity then.

I want your kind guidance on the matter whether this transaction and profit out of this transaction is halal or haram for me and for my Boss? Further if it is haram and he does not take back this amount then donating it to Islamic organizations, Masjid/ Madarissa or to poor people will free me from the Gunnah for which I am regretting now.

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My work (Toyota car dealership) has a finance department, people buy cars from me and how they pay is up to them: FINANCE/CASH/CHEQUE etc.

But I am the salesperson, not the finance man, however I do have to get involved in taking figures and repayments options to the finance man and then returning back to customer with the results and options. I am like the waiter in a restraunt, who takes orders and serves, the finance man is like the chef who does all the calculations.

Is it haraam for me to be involved slightly with the finance side of things?

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One of my friends works in a pharmacy as a pharmacist. Sometimes people come to buy emergency contraception pills. Is it halaal to sell? What should he do when he gets a request?

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At my work, customers walk in to the toyota dealership and buy a new car from me after I spend alot of time and energy  to help and convince them.
I form a relationship with them so when they trade their old car in (used car) the dealership I work for gives them money for it. eg: $1000.
This used car can be sold by my dealership for easily $3000-4000 where a profit is made.
 
I have been in situations where I have had the opportunity to buy the car from customer instead of the dealership doing so. All I have to do is ask the customer and I can get it for $1000 and sell it myself privatley and make good money for my family, instead of the dealership making the extra money..... Can I buy the customer's car for myself?

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I intend to start a superannuation management business. The nature of the business will be such that my clients will transfer their super to me, and then I will invest it for them. While constructing my business plan, I was required to mention my fees and the profit sharing ratio between my clients and I. Could you please guide me with regards to the following:

1. Is it permissible for me to charge my clients with entry, ongoing (for the investment service that I provide) and exit fees? If so, is there any limit to the amount that I can charge?

2. Between my clients and I, can we agree on a profit sharing ratio, e.g. 70-30?

3. Would it be permissible for me to add the following term into my contracts: “The higher the amount invested, the lower the fee charged”

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I am working in the IT department at a coca-cola bottler company. Is it halal to work in this company, because its formula is kept a secret? Health authorities have tested and said that there is no alcohol and animal fat in coke. Also my company will soon be purchasing a beer company. I will have to assist in IT setup and other relevant setup. Is it halal to continue working for the company? It is hard to find good job in this country. Please advice.

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Is it permissible to operate a penny auction business (also known as bidding fee auction)?

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A friend of mine (Zaid) is doing car business. He keeps the cars in his home parking. For security reasons, he hired a security guard from a security company. A few weeks back, two of his cars were stolen and the guard had also disappeared.

1) Can Zaid claim for any compensation from the security company?
2) Two other people (sleeping partners) who had invested with Zaid had shares in these two cars. Who will bear the loss? Will Zaid bear the entire loss, or they will share the loss according to the profit ratio?

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_I read your answer regarding the impermissibility of studying with the help of HECS. Mufti Sahib, is Fee-Help the same thing as HECS? Could you please explain the difference between the two?

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Is it permissible for a Muslim to work in a bank?

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_Is 'MCCA Income Fund' Shariah compliant?

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_I understand that we should avoid putting our money in interest bearing accounts because the interest is haram. However, is it wrong to do it if we dispose the interest by donating it to poor countries? Isn't this a way of helping the poor too? There are so many poor countries that need money and one way we can give more would be to give away the interest earned besides just from our halal money.

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_I work at a 7-Eleven store. Sometimes, customers leave the change and allow me to keep it. My question is that am I allowed to keep that money or does it belongs to 7-Eleven?
JazakAllah khair

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_If some one buys a home on instalments -- for example $50,000 to be paid over 18months in divided instalments -- can we ask the builder that if we pay the full amount in 12 months instead of 18 months, can he offer us that property, say for example, for $45,000 instead of $50,000?

Is making such an offer valid according to Shariah?

Basically, can we ask him if he can give a discount if we pay them earlier than 18 months?

Please advise. Jazak Allah

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_ Is it permissible to take HECS-HELP loan for higher education?

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_ What is the Shari'ah ruling on Baby Bonus payment scheme by the Australian Government?

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_ My husband operates a business whereby he imports goods and sells it locally. But he has registered the business under my name. At first he said it was temporary and it will be a small business. Now after about six years he still operates it under my name. He has opened bank a/c, has credit card, and vehicles under my name. Even though I have objected and told him to transfer everything under his name, he refused. Sometimes he is late in paying the credit card dues, and interest is charged. I have to sign the cheques, but he does the the payments. I am not saying that he is doing anything illegal, but is he right in using my name to opearte a business? He gets angry when I bring up this issue. Please advise me what to do. I don't want to answerable on the day of judgment. Jazakallahu Khairan

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_Is it permissible to work at KFC?

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_ Is it permissible to have third party car insurance and RACV roadside assistance?

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_1) Is using a credit card permissible if by the end of each month the balance is paid in full and no interest is paid at all?

2) Is it permissible to pay for products and services with a credit card when there is a surcharge (1% etc which varies from company to company) for paying through credit card? For Instance, the sale price for the good is $100 but for paying through credit card we need to pay $110 if the surcharge is 1%.

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I am legally required to have workers compensation insurance and public liability insurance to run my business. In such a case, will it be permissible for me to hold  these two types of insurance policies?

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Is it permissible to invest in shares of IT/Software/Engineering/Jewellary/Recruiting/Retail(example $2 dollar company like Reject Shops ) companies listed in Australian Stock Exchange?

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Is public liability insurance permissible? What about workmen compensation insurance?

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Is it allow to take ambulance membership? In this membership, you have to pay a certain amount annually regardless of how many times you use the service or whether you use the service at all.

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Can you please tell me if the home loan package of MCCA called 'Amlak' is Shariah compliant?

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1) Can the wife keep the parental allowance money for herself that the couple receive in a shared bank account without her husband knowing?

2) The husband does the bank dealings, but before he went overseas, he left some money with the wife to use for household needs. When he returned, he asked for the money that was remaining and from this, the wife kept a little for herself before returning the unused money. Can the wife keep this without her husband's knowledge?

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Can we name a shop or store (for clothing business) with Islamic names such as "Sana" or "Zahra" or "Aisha" or "Fatima"? Are there any restrictions or points to consider?

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A couple have a shared bank account (under one name) where they both receive government funding. Can a wife spend the money on others (i.e. give gifts) without the husband's permission?

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Can the wife keep money for herself from the money that the couple receive in a shared bank account without her husband knowing?

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Is it permissible to earn money by teaching the Quran? Also, is it permissible to buy and sell copies of the Quran?

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Is it permissible to get insurance on house and car?

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In business, we do a lot of conversation with our suppliers from overseas such as China, Malaysia etc through messenger or emails.
1) And sometimes the suppliers are women. So is it permissible to do business dealing with them?
2) Also we have female staff such as cashiers, accounts section, saleswomen, receiptionist. Is it permissible to employ them considering that we don’t get a good male worker and always we find that women do better job in terms of work, honesty and reliability. Also, some positions like cashiers even if we do advertise we can’t get male cashiers.
3) Also customers are women so is it permissible to converse with them in business?

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1) I work in the IT field and have been given an offer to work for an insurance company in the same IT field. Firstly am I allowed to take this opportunity? If not can you please clarify?

2) I also wanted to understand if companies (who are not involved in banking, e.g. mining or health companies) who have excess reserve cash deposit their reserves in temporary fix deposits until they identify suitable projects to invest their cash in assets, would it be permissible for me to be employed by these companies? (Even though their intention originally was not to earn interest but to keep the cash in a place where it can be easily liquidated to invest in assets.)

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My employer is deducting complusory medical and life insurance from my salary. Is it permissible for me to accept this?

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One of my friends works in food production where he makes dough for pizza and prepares it for other people on the production line who will place haram toppings such as ham on it. Would income from this job be halal?

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Is it permissible to take an interest bearing loan to buy your first home?

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Can I purchase and sell currencies for making profit? For example, if I purchase some EUR/USD and later I sell this EUR/USD when it becomes profitable, will this be permissible? Will the profit be halal?

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What should I do with interest money from the bank? Can I give it to my poor relatives?

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Is it permissible for men to work as an ultrasound technician?

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Is it permissible to sell cameras, laptops, MP3 players, cosmetics and perfumes?

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1) Is selling ladies jeans, tops, shirts and short kutas haram and non-Islamic, as these type of clothes do not provide complete pardah? Also, most of my customers would be non-Muslims.
2) What about sellings ladies and gents undergarments; is it permissible?

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Is it permissible to trade in CFD (Contract for Difference)?

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Can interest money be used to pay for toilet facility and wudu khanas (ablution facility) for an orphanage?

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Is it permissible to buy new items during the month of Muharram?

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Is it permissible to play a card game that involves winning/loosing money; but the player is guaranteed to make money in the long run by using proven lawful strategies (in respect to the rules of the game) and techniques?  In the short term the player may win or lose but over time the winnings will outnumber any losses by a known factor.

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According to the Shariah, how is it to earn one's livelihood through the following means:
1) Designing billboards, posters, banners and packaging materials
2) Making TV advertisements
3) Taking photographs of weddings

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