Interest bearing loan

Q: I have taken an Islamic Shari'ah loan from standard chartered bank Bahrain. I want to go for umrah. Tell me, is my loan halaal or haraam? Can I go for umrah or not? If the loan is haraam, then I have done a major sin. How can I  face my Allah and Hazrat Muhammad (Sallallahu Alayhi Wasallam)? Please answer me me thoroughly.

Amaliyaat

Q: I read somewhere that doing the following Amal can break any black magic spells,

• Take a glass of water

• Recite darood sharif 11 times

• Recite bismillah hir rahmaan nir raheem 487 times

• Recite darood sharif 11 times (again)

• Blow 3 times on water and drink (Or give to someone affected to drink)

If you see bright whiteness then it means that the magic got extinguished. Just like water extinguishes fire. Is this Amal valid? Can I rely on this Amal?

Breaking one's oath

Q: If someone touched the Qur'an and said something like I swear on Qur'an I will never come to this house again in anger while having an argument. Can he ever go back to that house if he did tawba, kept 3 rozay and fed 20 miskeen people? If not then what else can he do?

Keeping dolls

Q: I would like to know if a little girl has a soft doll, what is required so it will be fine to keep it (i.e. the angels of mercy will enter the house):

- Is it fine to just cover the eyes with a strip of cloth?

- Should the whole face be covered with a piece of cloth?

Please Mufti Sahib advise what can be done.

Using the term karma

Q: Please can you comment in the Islamic ruling or stance on Karma. Can you please also advise what is the stance on using the term karma. For example if someone does wrong to you, to tell that person karma will get you.