All posts by Abdul Azeem Khan

Interest from Bank

 

Question:

Assalamu-alaikum Mufti saab,
My question is about bank offering certain loan in cash or purchases based on certain fees for facility with 0% interest for limited time.

My bank offered me to transfer cash to my current account against my credit card limit at 0% interest if returned within 12 months. However, they also charge a fee of 2.99% of the amount transfered to my account from credit card.

If I have intention to return money in time so no interest need to be paid, then is this transcation Halal. based on the fact that I will be paying a fee which is percentage of the amount taken.

If above is Halal, then can someone take advantage of shifting its credit card loan from one card to another using the incentive of 0% interest for fixed time against 2.99% fee.

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

Any amount received by the creditor from the debtor in excess to the principal amount is interest. Hence, the 2.99% fee is interest and thus Haram.

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

Women trimming hair due to lice

 

Question:
Asalamualaikum
Is it permissible for women to trim hair to take out louse?

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, it is not permissible for women to cut or trim their head hair.

Therefore, first make Dua to Allah that He removes the lice from the hair.

Thereafter, consult with experts and use the recommended medication etc. to remove the lice from the hair.

If after adopting all possible means, the lice still remain, and it is hoped that trimming the hair will help remove the lice, then it is permissible to trim the hair only to the extent of necessity.[1]

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

Checked and Approved by,

My Esteemed Ustadh Mufti Husain Kadodia Saheb Damat Barakatuhum

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

[1]  الضَّرُورَاتُ تُبِيحُ الْمَحْظُورَاتِ.(مجلة الأحكام العدلية، المادة 21)

مَا أُبِيحَ لِلضَّرُورَةِ يَتَقَدَّرُ بِقَدْرِهَا. (مجلة الأحكام العدلية، المادة 22)

 

Home insurance payout

 

Question:

Assalaam Alaikum
I have home insurance and my home was all cash purchased by me.
Little water leaked from inside home a/c unit which damaged some of the wooden floor. I reported insurance and they are paying me to do a proper repair.
Is this haraam?

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, insurance is not permissible as it constitutes uncertainty, interest and gambling.

Furthermore, home insurance is not a requirement by law.

Therefore, make sincere Tawbah and stay away from home insurance in the future.

The amount of money given to you by the insurance company which is equal to or less than the total amount of your contributions may be used for the repair. The amount that is in excess of your contributions is not permissible to use, as that is in the ruling of interest money. For example, if your contributions equal a total of $1,000, and the insurance company is paying $1,500 for the repair, you may only use $1,000.

The excess amount should be returned back to the insurance company. If this is not possible, then the excess amount must be given to the needy.

Note: If you have already used the excess amount, you must return money equivalent to the excess amount to the insurance company if possible. Otherwise, you must give it in Sadaqah to the needy.

 

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

Checked and Approved by,

My Esteemed Ustadh Mufti Husain Kadodia Saheb Hafidhahullah

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

 

Grave of Nabi and Arsh

 

Question:

Salaams Hazrat.
I’m sure, you’ve come across this statement before, and I know
scholars have alluded to this too.

 

If one chooses to disagree with this, or struggles – has he/she lost their Iman?

 

I believe the Prophet (SAW) is the greatest human being, but the creation of Allah, I am not so sure. The Arsh, and kursi of Allah (SWT) is associated with his own greatness.

 

I understand this question is not so much fiqhi, but I still hope you’ll give me a short answer.

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

It is the Aqeedah of Ahl as-Sunnah Wa al-Jama’ah and the consensus of the Ulama that Rasululllah Sallallahu Alaihi Wa Sallam is the best of Allah’s creation. To such an extent, that according to the consensus of the Ulama (Ijmaa’), even the soil touching the Mubarak body and limbs of Rasulullah Sallallahu Alaihi Sallam is more virtuous than the Arsh, Kursiyy, and all other creations.[1]

Based on the above, the one who believes the Arsh is more virtuous than Rasulullah Sallallahu Alaihi Wa Sallam goes against Ijmaa’ (consensus) of the Ulama.

For further details, see the following link:

https://jamiat.org.za/the-grave-of-the-prophet-is-more-blessed-than-the-kaba-arsh/

 

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

 

[1]  (قَوْلُهُ إلَّا إلَخْ) قَالَ فِي اللُّبَابِ: وَالْخِلَافُ فِيمَا عَدَا مَوْضِعَ الْقَبْرِ الْمُقَدَّسِ، فَمَا ضَمَّ أَعْضَاءَهُ الشَّرِيفَةَ فَهُوَ أَفْضَلُ بِقَاعِ الْأَرْضِ بِالْإِجْمَاعِ. اهـ. قَالَ شَارِحُهُ: وَكَذَا أَيْ الْخِلَافُ فِي غَيْرِ الْبَيْتِ: فَإِنَّ الْكَعْبَةَ أَفْضَلُ مِنْ الْمَدِينَةِ مَا عَدَا الضَّرِيحَ الْأَقْدَسَ وَكَذَا الضَّرِيحُ أَفْضَلُ مِنْ الْمَسْجِدِ الْحَرَامِ. وَقَدْ نَقَلَ الْقَاضِي عِيَاضٌ وَغَيْرُهُ الْإِجْمَاعَ عَلَى تَفْضِيلِهِ حَتَّى عَلَى الْكَعْبَةِ، وَأَنَّ الْخِلَافَ فِيمَا عَدَاهُ. وَنُقِلَ عَنْ ابْنِ عَقِيلٍ الْحَنْبَلِيِّ أَنَّ تِلْكَ الْبُقْعَةَ أَفْضَلُ مِنْ الْعَرْشِ، وَقَدْ وَافَقَهُ السَّادَةُ الْبَكْرِيُّونَ عَلَى ذَلِكَ. وَقَدْ صَرَّحَ التَّاجُ الْفَاكِهِيُّ بِتَفْضِيلِ الْأَرْضِ عَلَى السَّمَوَاتِ لِحُلُولِهِ – صَلَّى اللَّهُ عَلَيْهِ وَسَلَّمَ – بِهَا، وَحَكَاهُ بَعْضُهُمْ عَلَى الْأَكْثَرِينَ لِخَلْقِ الْأَنْبِيَاءِ مِنْهَا وَدَفْنِهِمْ فِيهَا وَقَالَ النَّوَوِيُّ: الْجُمْهُورُ عَلَى تَفْضِيلِ السَّمَاءِ عَلَى الْأَرْضِ، فَيَنْبَغِي أَنْ يُسْتَثْنَى مِنْهَا مَوَاضِعُ ضَمِّ أَعْضَاءِ الْأَنْبِيَاءِ لِلْجَمْعِ بَيْنَ أَقْوَالِ الْعُلَمَاءِ (رد المحتار، ج 2، ص 626، سعيد)

 

وَنَقَلَ الْقَاضِي عِيَاضٌ وَغَيْرُهُ الْإِجْمَاعَ عَلَى تَفْضِيلِ مَا ضَمَّ الْأَعْضَاءَ الشَّرِيفَةَ حَتَّى عَلَى الْكَعْبَةِ الْمُنِيفَةِ، وَأَنَّ الْخِلَافَ فِيمَا عَدَاهُ. وَنُقِلَ عَنْ أَبِي عُقَيْلٍ الْحَنْبَلِيِّ أَنَّ تِلْكَ الْبُقْعَةَ أَفْضَلُ مِنَ الْعَرْشِ، وَصَرَّحَ الْفَاكِهَانِيُّ بِتَفْضِيلِهَا عَلَى السَّمَاوَاتِ قَالَ: بَلِ الظَّاهِرُ الْمُتَعَيِّنُ تَفْضِيلُ جَمِيعِ الْأَرْضِ عَلَى السَّمَاءِ لِحُلُولِهِ عَلَيْهِ الصَّلَاةُ السَّلَامُ بِهَا، وَحَكَاهُ بَعْضُهُمْ عَنِ الْأَكْثَرِينَ لِخَلْقِ الْأَنْبِيَاءِ مِنْهَا وَدَفْنِهِمْ فِيهَا. وَقَالَ النَّوَوِيُّ: وَالْجُمْهُورُ عَلَى تَفْضِيلِ السَّمَاءِ عَلَى الْأَرْضِ أَيْ: مَا عَدَا مَا ضَمَّ الْأَعْضَاءَ الشَّرِيفَةَ، وَمَحَلُّ الْخِلَافِ فِيمَا عَدَا الْكَعْبَةَ، فَهِيَ أَفْضَلُ مِنْ بَقِيَّةِ الْمَدِينَةِ اتِّفَاقًا، مَا عَدَا مَوْضِعَ قَبْرِهِ الْمُقَدَّسِ وَمَحَلِّ نَفْسِهِ الْأَنْفَسِ صَلَوَاتُ اللَّهِ وَسَلَامُهُ عَلَيْهِ مَا دَامَ الصُّبْحُ تَنَفَّسَ وَاللَّيْلُ إِذَا عَسْعَسَ. (مرقاة المفاتيح، بَابُ الْمَسَاجِدِ وَمَوَاضِعِ الصَّلَاةِ)

Taking loan from 401K account

 

Question:
Assalamallakum – I want to ask if it’s permissible to take a loan from my own 401k saving account?

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, it is permissible to take a loan from one’s own 401K account.

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

Qadha of missed prayers

 

Question:

Salam. When I talk about all the times I’ve missed my prayers, my teachers at school and friends tell me that next time I pray, I pray that prayer twice, in order to make up for all the prayers I’ve lost. I’m just making sure this is true because I’ve already started doing it. Another question is if it’s true,, which prayer comes first? The actual fajr prayer or the makeup fajr prayer? And how do you distinguish the two prayers? Please let me know anything I should know about making up prayers. Because I’m trying my best to get back on track. Thank you

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

Alhamdulillah, it is a sign of your Imaan that you have a concern to make up your missed prayers.

In principle, it is necessary to make up all missed prayers from the time one reached puberty. If one is not sure of the actual number, then he/she must apply the mind for an accurate estimation.

An easy method to fulfill this obligation would be to repeat one missed prayer along with every Fardh and Wājib Salāh you perform. For example, after you finish Dhuhr Salah, then one missed Dhuhr should be performed. Hence if three years of Salāh were missed then after three years all the missed prayers would be made up.

 

The Qadha Salah may be performed before or after the actual Salah of the day. Both ways are permissible. The factor that distinguishes between the missed prayer and the actual prayer is your intention.

 

As a general principle, it is preferred to make up missed prayers instead of engaging oneself in optional prayers.  However, those prayers that have been specifically mentioned in Ahādīth (such as the emphasized Sunnahs and the optional prayers such as Salah adh-Dhuha and Tahajjud) should not be missed even if one has to make up missed prayers. [1] If the above-mentioned method of making up missed prayers is adopted, then one will easily be able to perform missed prayers as well as these virtuous optional prayers.

 

Note 1: There is no Qadha (making up) for missed Sunnah prayers. Making up is only in missed Fardh and Witr prayers.

Note 2: While performing the missed prayers, for each prayer make intention that this is the first prayer I have missed in my life after reaching puberty. For example, when making up Dhuhr, make intention this is the first Dhuhr I have missed in my life. Thereafter, make the same intention while making up the next Dhur, as the next Dhuhr missed will now be the first Dhuhr since the previous one is already made up. [2]

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

[1]  وأما النفل فقال في المضمرات: الاشتغال بقضاء الفوائت أولى وأهم من النوافل إلا سنن المفروضة وصلاة الضحى وصلاة التسبيح والصلاة التي رويت فيها الأخبار. اهـ. ط أي كتحية المسجد، والأربع قبل العصر والست بعد المغرب (رد المحتار، ج 2، ص 74، سعيد)

[2] Aap Ke Masaail Aur Un Ka Hal, Vol. 2, page 351

Zakah on money saved for Hajj

 

Question:

Please advise on zakah matters. Is it permissible to give zakah for mosque building/expansion? Also if one is going to hajj is the expense deducted from totalable zakatable items, then given for zakah?

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, it is not permissible to use Zakah funds for the building/expansion of the Masjid.

The fundamental criterion for the validity of Zakah is Tamleek i.e. a needy person must be given ownership of the Zakah funds. It is clear that the Masjid is not a human being. Hence the requirement of Tamleek is not fulfilled.[1]

If the funds that are saved for Hajj are with you on the day in which you calculate Zakah and these funds have not yet been spent for Hajj purposes, then Zakah is due on such money. However, if you have already spent this money for Hajj purposes and it is no longer with you on the day Zakah is calculated, then no Zakah is due on such money.[2]

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

 

 احكام زكاة (حضرت مفتي رفيع عثماني مدّ ظلّه)، ص 43 [1]

 فتاوي دار العلوم زكريّا، ج 3، ص 113-114، زمزم[2]

Salah behind Imam who dyes hair black

 

Question:
AA,

Would you please let us know the ruling of dying black color to hair / beard ?

I think I heard somewhere that for Men its not allowed. But if your Imam itself leading taraweeh / prayers what should be done ?

JazakAllah

 

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, it is impermissible to use black dye.[1] The one who dyes his hair and/or beard black is a Faasiq (sinner).[2]

The Imamah (Leading of Salah) of a Faasiq is Makruh Tahrimi (severely disliked).[3]

Hence, you should make an effort to perform Salah in another Masjid. However, if another Masjid in not easily accessible, then you should perform Salah behind the one who dyes his hair black instead of praying individually. In this case, you will not be sinful and the sin will be on those who appointed the Imam.[4]

Note: The use of dark brown dye is permissible. Only the use of black dye is impermissible.

 

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 قاموس الفقه، ج 3، ص 340، زمزم[1]

 أحسن الفتاوي، ج 3،  ص 294، سعيد[2]

 أحسن الفتاوي، ج 3، ص 260، سعيد[3]

 فتاوي رحيمية، ج 4، ص 171، دار الإشاعت[4]

Basic Explanation of Islam

Question:

Hi. I’m a non-Muslim wishing to know more about Islam, and how to properly read the Quran, and some terminology on Muslim culture. Thanks, and I hope I will be able to learn.

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

Islam is a complete way of life revealed by Almighty Allah (God) for the success of Humanity in this life and the eternal life after death.

Islam teaches the Oneness of God. The Proper name of God is Allah. Allah is alone and has no partners. He has no wife and children. He is the Creator of everything. He alone controls everything. Nothing can occur except with the Will of Almighty Allah.

Allah sent Messengers to teach mankind the correct method of living life i.e. Islam. The final Messenger was Muhammad (Peace be Upon him). He practically demonstrated to mankind the way of Islam.

Hence, anyone who follows Messenger Muhammad (Peace be Upon Him) will be given complete success by Almighty Allah in this life and also in the everlasting life after death.

For more details, kindly see the following link:

https://www.islamreligion.com/ebooks/islam-guide.pdf

For more questions, kindly submit on the following link:

http://masjidyaseen.org/ask-mufti-2/

 

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

 

Combining a Partnership and Employment Contract

 

Question:

Assalamualaykum
Mufti Saab

Masla about tijarat:

Scenario 1. Assume  zaid used his own money to buy the entire inventory for a business and to rent a storefront, while Khalid did all the work in running the business. Is it allowed for khalid to receive a salary according to a fixed hourly basis (e.g. $20/hour) PLUS a predetermined percentage (e.g. 3%) of the profits ?

Scenario 2. Assume  zaid used his own money to buy the entire inventory for a business and to rent a storefront, while Khalid did all the work in running the business. Is it allowed for Zaid to receive a fixed payment every month (e.g. $3,000) from Khalid, and Khalid keeps rest; regardless of the amount of profit or loss that occured in the business?

Ajeebu wa tujaru

Answer:

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

  1. In principle, when capital is invested into a business by one party, and the other party manages and works for the business, such a set-up may be classified as one of the following two agreements:

 

  1. Partnership Agreement

 

  1. Employment Agreement

 

If it is a partnership agreement (Mudharabah), then the working partner is eligible to only receive a pre-determined percentage of the profits as a partner. He may not receive a fixed salary as an employee. However, the pre-determined percentage of the profits may be increased in consideration of the management and work.

 

If it is an Employment agreement, then the worker is eligible to receive a salary only. He may not receive a pre-determined percentage of the profits since he is not a partner.

 

It is not permissible to combine the Mudharabah agreement and Employment agreement in one contract.[1]

 

  1. The scenario mentioned in the query is a Mudharabah Contract. In a Mudharabah agreement, it is not permissible to give any partner a fixed payment. Each one is only entitled to a pre-determined percentage of the actual profit.[2] Hence, it is not permissible for Zaid to receive a fixed payment every month.

 

And Allah Ta’āla Knows Best

(Mufti) Abdul Azeem bin Abdur Rahman

 

Disclaimer:

 

The Shar’a ruling herein given is based specifically on the question posed and should be read in conjunction with the question.

 

Darul Iftaa Texas bears no responsibility to any party who may or may not act on this answer and is being hereby exempted from loss or damage howsoever caused.

 

This answer may not be used as evidence in any Court of Law without prior written consent of Darul Iftaa Texas.

 

[1]  فتاوي عثماني، ج 3، ص 35-36، مكتبه معارف القران كراتشي

[2]  an Introduction to Islamic Finance, page 33 (Mufti Taqi Usmani Saheb Damat Barakatuhum)