Q: How should ownership of a house be divided if both spouses contribute towards regular payments and also the initial deposit? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: The ownership of your brother’s house depends on the understanding at the time of purchase between your brother and his wife. If the understanding was that the […]
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What is the ruling on life insurance?
Q: What is the ruling on life insurance? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: According to the overwhelming majority of Muslim scholars conventional insurance including conventional life insurance, is not permitted. Whilst a minority of scholars have tried to reason for the permissibility of conventional insurance such reasoning has generally been rejected hence […]
Read more...Is comprehensive car insurance permitted or should third party insurance only be taken?
Q: Is comprehensive car insurance permitted or should third party insurance only be taken? الجواب حامدًا و مصليًا و منه الصدق و الصواب A: In the case that only conventional insurance is available, if the requirements of the law are met by third party only insurance and this incurs less cost in payable premiums than […]
Read more...Can I take medical insurance as part of my salary package?
Q: Can I take medical insurance as part of my salary package? If an employer gives you a choice between taking some extra cash other than salary or get medical benefits, and one knows that medical benefits / insurance is more beneficial to him in terms of his expenses, and therefore he chooses to get […]
Read more...Is interest permissible if below the inflation rate?
Q: Is interest permissible if below the inflation rate? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: The permissibility of interest at or below the rate of inflation is not supported by Al-Qalam and the majority of scholars. Please see the following link: http://www.1stethical.com/wp-content/uploads/2010/07/StudentLoans.pdf Rather, any loan that attracts a conditional increment is not permitted. This […]
Read more...If one has to pay money to apply for a grant, would this be considered gambling?
Q: If one has to pay money to apply for a grant, would this be considered gambling? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: If the fee represents real costs for processing the application it is permissible to charge such fee.
Read more...When applying for a grant to be used for a specific purpose, is it permissible for one to use the grant received for a different purpose?
Q: When applying for a grant to be used for a specific purpose, is it permissible for one to use the grant received for a different purpose? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: If the award of the grant is based on qualifying criteria then the criteria must be satisfied for the grant […]
Read more...In my Final Salary Pension there is a ‘death in service’ agreement, whereby lifetime assurance cover is payable which is 4 times the salary value. This is paid by the employer an no contributions are made by the employee. Is it permissible for my spouse to receive this lump sum?
Q: In my Final Salary Pension there is a ‘death in service’ agreement, whereby lifetime assurance cover is payable which is 4 times the salary value. This is paid by the employer and no contributions are made by the employee. Is it permissible for my spouse to receive this lump sum? الجواب حامدا ومصليا ومسلما […]
Read more...Is Zakah liable on the employee/employer contributions of a Final Salary Pension Scheme?
Q: Is Zakah liable on the employee/employer contributions of a Final Salary Pension Scheme? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Zakah is not liable on the pension contributions as it constitutes a weak debt. (see: http://213.175.220.56/~alqalamo/wp-content/uploads/Categories-of-Debts-and-Bad-Debts-for-the-Purposes-of-Zakah.pdf) However, if and when the pension is received it will be added to ones Zakatable assets if, […]
Read more...Please could you comment on the permissibility of a Final Salary Pension Scheme?
Q: Please could you comment on the permissibility of a Final Salary Pension Scheme? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: Please visit the following links for further information: https://alqalam.ivirtualsites.com/wp-content/uploads/pensions-and-gross-uncertainty-revised-V1aa.pdf and http://213.175.220.56/~alqalamo/wp-content/uploads/Zakah-on-Pensions.pdf. The above two links provide background and some of the answers to your questions. However, to answer in brief: Final Salary […]
Read more...If a deceased revert leaves a non-Muslim wife and a small baby, is the baby considered Muslim and therefore does he/she inherit?
Q: If a deceased revert leaves a non-Muslim wife and a small baby, is the baby considered Muslim and therefore does he/she inherit? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: If the deceased revert is survived by a non-Muslim wife and a minor child, the child will be considered Muslim and will inherit from the […]
Read more...What happens to the wealth of a revert if they leave no Muslim inheritors?
Q: What happens to the wealth of a revert if they leave no Muslim inheritors? الجواب حامدا ومصليا ومسلما ومنه الصدق والصواب A: A revert who leaves no Muslim inheritors may bequeath up to one third of his/her residual estate to non-Muslim relatives and friends etc. Under an Islamic system, the remaining two thirds […]
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