Takaful

Q: EFU is offering takaful insurance. Kindly let us know is it Haraam or halaal as we are very confused about the takaful policy.

Ghusal after an operation

Q: Wanted to ask, recently had keyhole surgery and was in haidh but now need to take a bath to become clean. Because of stitches been told not to get that part of the knee wet. Would running across wet palms across that area suffice for ghusal?

Carpenter not completing the job

Q: Few months back I had got services of carpenter for my home new kitchen. I said to him please make the kitchen with well finishing and I asked him the rate he wants. When kitchen was finalized it was not well furnished and had many technical issues and when I said to him it is not up to the mark and then he without informing me left the house. I had already gave him maximum amount and only PKR. 10,000 was left with me. Now after few months, he is approaching other person who talked with me for giving him 10,000 left amount. My question is: What Islam guides us in this matter. May I give him rest of amount as my kitchen work he didn't do what he said? Please help me and guide me.

Circulating incorrect messages

Q: I received a message in which Qasam is given to me to send this kalma (Awal Kalma which was written in Roman English) to 20 persons

1. I read the message considering that the sender has described me about his Qasam and after reading I understood that this Qasam was given to me.Then answer me that it will be Qasam by me and or not because I have understand it later.

2. If after understanding message I read message three times then it will be three Qasams and I have to send message to 60 persons or to only 20 persons?

3. Is it compulsory to forward that message or I can send Awal Kalma in Arabic text to fulfill my Qasam?