Watne-e-suknaa se safar karna

Q: Mera ghar Jaranwaala he aur me Faislabaad me rehta hu jo Jaranwaala se pentees (35) km ke faasle par he or me har jume ghar jata hu. Ab me hafte ko subah Jaranwaala se Faislabaad aaya, do din Faislabaad raha or peer ko Jhang chala gaya jo Faislabaad se pachattar (75) km he, aur ayk din guzaar kar wapas aa gaya, ab kya waapas Faislabaad aa kar me qasar namaaz prhunga ya poori namaaz parhni hogi?

Subscribing to the Medical Protection Society (MPS)

Q: Certain doctors apply for jobs in private hospitals. The requirement for getting the job is that they need to have membership with the Medical Protection society (MPS). If they do not have such a membership, the hospital will not employ them. Monthly payment is made and in return the medical practitioners/doctors receive advice and direction in the medical field. The MPS also pays for legal claims against the practitioner/doctor. Is membership to the MPS permissible or this resembles insurance?

Burning bakhoor in the Musjid

Q: We recently started burning bukhoor in our new local masjid on Fridays before Jummuah. We leart that this is sunnat and was also done in Masjid-e-Nabawi (Sallallahu Alayhi Wasallam). However a few old uncles in the masjid say this is a bidah and India custom and has no basis in shariah and have actually thrown the contents out on some occasions leading to disputes. Please provide proof from the Ahaadith or sunnat as to what is the actual ruling regarding the burning of bukoor or mujammar.

Pooling money together to purchase a property in partnership

Q: Mr Company intends buying a property for R10 million. They have R4 million available and want others to invest the remainder of the money with them. Ishaaq, Saleem and Faheem are willing to invest. Ishaaq will invest R3 million, Saleem R2 million and Faheem R1 million. They want to invest in it on a diminishing mushaarakah basis. The profits and losses will be shared according to the capital contribution, and the company is willing to pay all 3 of them off in approximately 5 years.

Assuming that the property yields a rental income of R100 000 a month (R1.2 million a year)

Income distribution

 Mr CMr CIshIshSalSalFahFah
Year 140%R48000030%R36000020%R24000010%R120000
Year 255%R66000025%R30000015%R1800005%R60000
Year 370%R84000020%R24000010%R120000
Year 480%R96000015%R1800005%R60000
Year 5100%R1200000

 

Purchase of Shares by Mr Company

 Mr CMr CIshIshSalSalFahFah
Year 140%R4 mil30%R3 mil20%R2 mil10%R1 mil
Year 255%R5.5 mil25%R2.5 mil15%R1.5 mil5%R500 000
Year 370%R7 mil20%R2 mil10%R1 mil
Year 480%R8 mil15%R1.5 mil5%R500 000
Year 5100%R10 mil

1) Is the above form of investment permissible?

2) Is it permissible to change the profit sharing ratio to suit the needs of the investors, different from the capital contribution ratio? For example, in the
above scenario, Mr Company contributed 40% and Faheem 10%, but in order to please Faheem, they agree to let him take 15% profit while Mr Company takes 35%?

3) Is it permissible to fix an amount to be paid to a certain investor? For example, every month as a return on his investment, he will receive R20 000?

4) Is it permissible to set a fixed percentage of the investment as a return? For example, he will receive a 10% return on his investment monthly?

5) For the sake of ease in distributing the profits, is it permissible to distribute the profits during the year based on estimated profits that will
be received, and at the end of the year, make the necessary adjustments based on the actual profits that were received? Thus, at the end of the year, the profits will be adjusted for each shareholder in accordance to the actual profits received.

Employees starting their own company

Q: My friends and I are planning to register a company which focuses on construction solutions. Presently, we are working in a company as employees and all of us are working in different sectors. Our employer has several businesses, and healthcare is one of them. For each machine installation, they hire a third party for construction and finishing works. My question is that we are the employees of the same company and now we want to open our own company to be the third party for their construction work. Can we take orders for construction jobs from our company without showing them that we own the third company? Will this be permissible?