Selling currencies on credit

Q:

1. I have a friend that buys euros from me. He usually buys from me because I give him facilities to pay. For example, I sell him 20 000 euros at 13 rand equal to R260 000 and he pays in 5 months cheques in rands.

2. This friend lives in a city 300km away and his neighbour also sells euros. Sometimes, when my friend wants euros, I sell them to him. Then I give him the rands to buy the euros on my behalf from his neighbour. My friend then pays me back for these euros later on. Is this allowed?

3. If I give him the rands to buy euros on my behalf, but he does not buy the euros and instead keeps the rands for other transactions, is it my responsibility?

Drop shipping

Q: Is the trading concept of ‘drop shipping’ permissible? In ‘drop shipping’, the trader does not keep stock of any item. Instead, he accepts payment for the goods and then forwards the customer’s details to the supplier who will deliver directly to the customer. ‘Drop shipping’ is commonly found in online shopping. Is this permissible?

Saying "It's done" while discussing talaaq

Q: My husband divorced me once over the phone but made ruju. Later on we had many fights. I asked him for divorce or to end the marriage and he said "ho gayi" meaning it's done, along with many other words that I don't remember. This was in person.

Then at another time after more fights, I asked him to end this and he said, "Samjho ho gayi or ho chuki" meaning consider it done. I wanted him to text me the word talaq but he said I'll send the papers in mail. I gave him the address because he asked. But he couldn't go through with it. Later on, he said since he didn't use the word divorce, it probably didn't occur.