Q) Why is it not permissible to invest in insurance for life or education?
A) Interest is involved in such plans.

Q) Is it permissible to pay taxes with interest?
A) Since government use taxes to pay the public services of hospital, street lighting, education and other public security services, and we use these services, then it is compulsory to pay taxes with halaal money. But in most countries, the government impose different type of taxes that they take more than what they are offering. The shariah condemn and administrate any Zulm or over imposed levies on any one. But in any case, because it is the country`s law, one should abide and pay all taxes imposed by the government. Nonetheless, an issue arise that if there is interest accrued in bank accounts, can we pay those unfair taxes with interest money? Different scholars expressed their views here under:
According to Fatawa Daru Uloom Deoband, Fatawa Rahimiyah, it is permissible to pay income taxes with interest money:

[2] س= اسی طرح بینک میں رقم رکھی جاتی ہے اس پر جو سود ملتا ہے یہ، یا اسی طرح سرکاری ادارے پوسٹ آفس کی جمع شدہ رقم کا سود اپنے استعمال میں لانے کی،حکومت کے ٹیکس میں،یا موٹر کے انشورس میں استعمال کرنے کی گنجائش ہے؟
ج= ڈکخانہ اور بینک سے جو رقم سود کی ملی ہے۔ اسے اپنے ذاتی کام میں استعمال کرنے کی اجازت نہیں ہے۔البتہ حکومت جو ٹیکس عائد کرتی ہے، یا میونسپلٹی مکان پر جو ٹیکس لگاتی ہے۔یا موٹر کا انشورنس حکومت کی طرف سے لازمی ہے۔اس میں اس رقم کے ادا کرنے کی گنجائش ہے۔ فتاوی رحمییہ ج3ص174

س= حکومت کی جانب سے جو ٹیکس عائد کئے جاتے ہیں جیسے ہاوس ٹیکس،انکم ٹیکس،کیا ان ٹیکسوں کی ادائیگی کے لے بینک کی سودی رقم استعمال کی جاسکتی ہے؟
ج= بینک کے سود کا اصل مصرف تو غرباء اور مساکین ہیں رفاہ عام کے کاموں میں بھی صرف کیا جاسکتا ہے،خود منتفع نہ ہو لیکن اگر حکومت کے ان ٹیکسوں کی بھر مار سے تنگ آگیا ہو اور ان کی ادائےگی میں یہ رقم استعمال کرنے کی پر مجبور ہو تو گنجائش ہے بلا مجبوری استعمال نہ کرے۔ فتاوی رحمییہ ج6ص136

س= میرا روپیہ بینک میں جمع ہے،میں اس کے سود سے انکم ٹیکس ادا کرسکتا ہوں؟ اور یہ جائز ہے یا نہیں؟
ج= بینک میں روپیہ داخل کرکے سود لینا حرام ہے لیکن جس کا روپیہ بینک میں داخل ہے اور بینک سے اس کو سود ملے تو اس رقم سود کو وہاں نہ چھوڑنا چاہیے کہ چھوڑنے میں وہ روپیہ عیسائیوں کو بغرض تبلیغ مذہب دیا جاتا ہے بلکہ وہاں سے لے کر غرباءوفقرائے مسلیمن کو دے دیا جائے، اپنے کسی صرف میں نہ لایا جائے، اور انکم ٹیکس کے ادا کردینے کی بھی اس میں گنجائش ہے۔ فتاوی دارالعلوم دیوبند ج14 ص496

Furthermore, there is a principle in shariah that whenever an unjust revenue came from a source, then if there is an unjust demand from that particular source, then one may offset the unjust demand with the unjust revenue as in hidayah:
وَلَهُ أَنَّهُ تَمَكَّنَ الْخُبْثُ مَعَ الْمِلْكِ ، إمَّا لِأَنَّهُ بِسَبِيلٍ مِنْ الِاسْتِرْدَادِ بِأَنْ يَقْضِيَهُ بِنَفْسِهِ ، أَوْ لِأَنَّهُ رَضِيَ بِهِ عَلَى اعْتِبَارِ قَضَاءِ الْكَفِيلِ ، فَإِذَا قَضَاهُ بِنَفْسِهِ لَمْ يَكُنْ رَاضِيًا بِهِ وَهَذَا الْخُبْثُ يُعْمَلُ فِيمَا يَتَعَيَّنُ فَيَكُونُ سَبِيلُهُ التَّصَدُّقَ فِي رِوَايَةٍ ، وَيَرُدُّهُ عَلَيْهِ فِي رِوَايَةٍ لِأَنَّ الْخُبْثَ لَحِقَهُ ، وَهَذَا أَصَحُّ لَكِنَّهُ اسْتِحْبَابٌ لَا جَبْرٌ لِأَنَّ الْحَقَّ لَهُ .

As such Hazrat Mufti Radha Ul Haq of Darul Uloom Zakarya and hazrat Mufti Ahmad Khanpuri of Darul Uloom Dabhel said in their respective fatwa books that it is permissible to pay income tax with interest generated from government owned banks or government based financial institutions.
As a conclusion, one may pay ‘’Income tax’’ with interest money. But it is not permissible to pay road tax, VAT, bank fees, ‘’contravention’’, build toilet etc with interest money.

Q) Can we give something to get licence not money.
A) Bribe is not permissible.

Q) Is there any bank in Mauritius that does not offer interest?
A) Bramer bank has an account for Hajj that does not have interest.

Q) Can we take an education plan from an insurance company for our children?
A) No. In fact no insurance plan match shariat compliance.

Q) The company where I work provides medical benefit to all employees. Is it allowed to claim the medical insurance?
A) No. Such policies involve riba, interest and great chances: Qimaar. All this are haraam.

Q) Is it permissible to take a life insurance and health insurance schemes offered by insurance companies?
A) No.

Q) Can we accept scholarship and stipend given from a bank if one's parents' financial income is not enough to pay the fees for the university?
A) No. These are haraam interest loans that should be avoided.

Q) In which case can a person take loan ?
A) In no case. Loan is haraam and one should find a halaal way to finance his activities.

Q) Can a muslim take loan?
A) No. Interest is haraam as per Coranic verses.

Q) Can a current account be used to avoid interest money?
A) Yes, you may use a current account to avoid interest.

Q) Can i send interest money to the people of Syria who are suffering from the atrocities of war?
A) Yes.

Q) I have money & I want to invest it since leaving it in the bank will generate interest which is of no use to me! What halaal investment can I make?
A) We hope soon we may help in this direction.

Q) Is it permissible to sign a contract to be the doctor of an insurance company?
A) Not permissible when optional. But if the contract of the work deduces obligatorily the amount before monthly income, then some ulamas said it is permissible.

Q) Is it permissible to take loan? is there any alternative?
A) No. Albarakah may be.

Q) Is it permissible to give interest money to a non-muslim n if its so how can he/she use it?
A) No. Interest money is due to muslim Zakaat recipients, without intention of rewards.

Q) Is working in an Insurance company like BAI or any Banks halal?
A) No, unless no other job.

Q) One of the conditions attached to my credit card is that interest applies after 45 days if full payment is not effected. Even if I usually pay off the whole within the time limit so as to avoid the interest, is the card and transaction halaal?
A) Ok as per info given.

Q) Can I sign a contract where the condition of riba is clear? For example the contract of a credit card?
A) Not advisable.

Q) Are credit cards haraam? Even if we pay before the time limit and thus avoid riba?
A) Credit card that is free from interest is ok. One need to see the conditions and actual application in using these cards and should not have unislamic conditions. If no other unislamic conditions are made throughout the credit, then it is permissible to use when you will pay on time or you have money on your account.

Q) Century banking is offering loans according to islamic finance. Is it permissible?
A) According to details that we got, it is not approved and not permissible.

Q) Can we give interest money to someone going abroad to perform an expensive operation/surgery?
A) May give, without any intention of sawaab.

Q) Is it permissible to work for someone whose salary is from haram source? E.g. a maid works for someone who works in a bank.
A) Permissible to work for him if he has another halal means of income. Otherwise must look for another work.

Q) When buying a certain amount of provisions in a supermarket, sometimes they give you a ticket. After drawing lots, you may receive a gift. Is it permissible to take these gifts?
A) Avoid, becasue it resembles lottery.

Q) Can we take insurance on pension plan?
A) No.

Q) Medical insurance permissible?
A) As per info available, none are fully shariat compliant

Q) I am a barrister working as legal adviser of the MRA...Every thursday before the supreme court, portions of land are sold...sale by levy...most of these sales are due to the fact that the borrower has not been able to pay a loan and the lender sells the land to get back his money. I was thinking whether it is halaal to buy these land before the court given that the loan obviously involved interests. ?
A) It is permissible for you to buy land seized by the court. Since you would be dealing with the court as a seller and you the buyer, the issues pertaining other dealings before that is negligible. As a matter of masla it is permissible to but seized lands and seized products.

Q) I lent interest money to a non-muslim. What happens if ever he doesnot give back the money? Do I have to replace it with my halaal money?
A) It is incumbent upon you to replace the money and give away to the poor. You are not supposed to lend such money. Its recipient is to a poor person. Nonetheless if he returns you, then you may give to the poor.

Q) Are we allowed to pay fines for road traffic offences with money obtained from interest?
A) No. Interest money are supposed to be given to Zakaat recipients without any intention of sawaabs.

Q) Are we allowed to invest in shares of a bank like MCB?
A) Not allowed.

Q) Both of my parents work, my mother's salary goes in paying for the loan they took to build our new house. My father has a "compte courant", i dnt knw how it is called but, at the end of the month, his company puts his salary in that account. Almost all the money is spent on necessities and a few remains in that account. Can interest accumulate on this type of account. It yes how do i manage when they give me my pocket money to go to uni or to buy my clothes etc..?? My mother also has some money left on her account, and most of the time it's her who gives me money for clothes and my father gives me money 4 daily transport and other basic necessities.....what should i do?
A) Inform your parents that consuming interest is haraam. Tell them that at least do not spend on you that money. You may consume the money that they give you since it comes from the account that the salary is credited. Unless you know for sure that it is interest money, you may consume without any problem.

Q) I lend someone money, he invested it in an illegal business that is haraam. After some months he returned me my money. Is the money halaal or haraam?
A) The capital money you lent is halaal to take back. Hence the money returned back as capital is halaal.

Q) Can money obtained from interest be used to buy detergents used in toilets?
A) No. It can only be given to a recipient of Zakaat without intention of reward.

Q) Can we pay ceb water telephone bills or pay car insurance, declaration, road tax with interest money or any such money?
A) No. Interest money should be given to the poor without any hope of reward.

Q) Do we have to deduct interest earned in the calculation of zakaat?
A) Yes. But give away to poor without intention of sawaab.

Q) What is the status of insurrance in Islam?
A) General insurance include these 3 non shariat compliance: Interest, Uncertanty and gambling. As such the unanimity of ulama classify general insurance as haraam. But those dealings that have non of the 3 items mentionned above should be shariat compliant.

Q) I know of a non-muslim who lives on interest money and he also takes cake orders. Is it jaiz for me to buy cakes from him?
A) On a dealing point of view, it is permissible to deal with non muslims even in such cases. But on a piety point of view, it is better to deal with muslims particularly when concerning food items.

Q) Is buying of shares in a company permissible in islam?
A) Only if the company deals mainly with halaal and permissible dealings. Only ordinary volatile dividend shares are permissible.

Q) Currency business Halal or Haram?
A) The business of currency exchange is permissible. The only care should be taken is that the transaction take place on cash. Else one may agent the changer if he delivers on credit.

Q) Can we pay income tax with interest money?
A) No. Interest should go into the hands of a person who deserves zakaat, without the intention of reward.

Q) Is it permissible for muslim to invest their money in insurance such as life or for education?
A) Not permissible.

Q) Is it jaaiz to have a medical insurance, which is compulsory as per rules of the company which am employed? The scheme refunds part of costs incurred for the treatment and medicines against a monthly premium paid.
A) Not permissible.

Q) Do we receive interests from banks or is it dividend? As far as i know, banks use our money to invest and the profit received is shared among clients. Now, the money may have been invested in companies which we do not know if they are "halaal" or not. But the question remains that is the money received is called dividend or interest?
A) Interest is fixed return on money. Banks give interest and not dividends on money banked with them. Undisputedly interest is haraam to consume.

Q) Can interest be used for top up and for buying mobile stuffs?
A) No. Find on web the recipient of interest money.

Q) Is investment in BAI Takaful permissible?
A) Since investment in Takaful provide a dividend/ premium as per profit ratio yearly. The dividend is as such Halaal suitable.

Q) I've had interest credited to my account. Can I give it to the needy? Else what can I do with it?
A) Interest should be given to a poor person who has no nisaab (Rs 35 000) in cash nor in values. There is no reward for giving away interest, but rather a responsibility for the account holder.

Q) Is it allowed to have a savings account? It generates interest.
A) Allowed but give away interest.

Q) Can I pay a fine with money acquired from interest?
A) No.

Q) Can interest money be used to pay car insurance?
A) No. Interest money are meant to go in the hand of a zakaat recipient without intention of sawaab. See our Zakaat guide on the web

Q) If insurance is haraam, what is to be done in case of car insurance? It is compulsory and there is no alternative.
A) Insurance is haraam for these three reasons: 1. Riba(Interest), 2. Qimaar(gambling) and 3. Gharar(high risk factors). In the case of car insurance, the law is obligatory to this effect. Then `ulamas has given permission to the extent of the necessity. But more tolerable is the third party insurance(tiers). Whereby there is no exchange of money and hence no riba, Qimaar are found. Gharar is eliminated since it is only a one way coverage as analogue to mowal mawalat(a contract between a new muslim and a muslim in the same schema). We recommend then to opt either for third party insurance or for those insurances that do not yield money but rather give a service or repair the car itself. Hence the 3 above mentioned would not be raised.

Q) Can i pay the interest of my loan with interest that my friend is giving me??? stanger dar uloum, s.africa, allow me???
A) No.

Q) Can interest money be used to help the families of the bangladeshi who died in the accident?
A) Can.

Q) Someone openly states that he has a fixed deposit and he uses the interest for his expenses. Can I take gifts from him or eat the food that he offers to me?
A) It is permissible to accept if that person has halaal earnings and we do not know exactly from which money he bought the gift. Else if he largely uses interest money, then in case of necessity (like a member of family) accept it and give it to someone who is poor. Else you may accept and give a gift in exchange as a price for his gift. Wallahou a`lam.

Q) Can interst earned be used to reimburse loans?
A) No.

Q) Is it haram to take a loan with an interest?
A) Yes.

Q) What is the rule pertaining to riddles in newspaper which are based on interest?
A) It is not correct to accept prizes obtained by giving the right answers of riddles in newspapers because it consists of gambling and interst, which are both haraam.

Q) What is the law pertaining to site?
A) Site is permissible because it’s a means of helping one another and it is a qardh-e-hasanah. However if a person wants to quit in the middle, permission should be granted to him and his money should be returned to him. And if he dies his money should be given to his inheritors.
Q) What is the law pertaining to lotteries?
A) The money received from lotteries is normally more than the amount paid for the tickets and this is called interest and is haraam. A person buying lotteries is not even sure of winning or loosing. And the money received is not the outcome of the person’s effort, infact it’s based on mere luck which is called gambling and is haraam.

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