Woman working in a bank

Q: I am a single mother of a 5 years old child. I've been looking for jobs for my livelihood. However, I have been receiving interview calls from either banks or insurance companies mostly. I have no financial support from my ex husband or anyone else to take care of my daughter's expenses. I live in India so Islamic Banking is not prevalent. In this case, please advice if it is ok to work in a bank or an insurance company?

Charging a fee to withdraw cash from till point

Q: I am a shopkeeper who sells general merchandise.

Sometimes, people come to my store and want to use their debit card to draw money from my card machine. They will swipe their card in the machine, enter the amount that they want, and thereafter I will take the corresponding amount of cash from my till and give it to them while their bank deposits that amount in my account.

Can I charge them for this service? In other words, can I tell the customer to enter R205 into the machine while I give him R200 in cash? I will make R5 on the service of giving him the cash. Is this permissible?

Charging a storage fee for uncollected items

Q: I own a manufacturing business where I take orders from customers and manufacture according to their specification. Once their order is prepared, they are notified and given a ten day period to collect the item from our warehouse.

The problem is that many customers delay in collecting their orders. This causes a problem for us as the uncollected orders take up space in the warehouse. In order to avoid this problem, we want to stipulate, at the time the order is placed, that if goods are not collected within ten days, then a stipulated storage fee will be charged for every day thereafter. Is this permissible in Shari’ah?