Taking a profit against a loan

Q: Is Islamic banking across GCC correct? they are referring to profit rate for car loan etc. Is this the same as interest? Am I safe to purchase a car through Islamic banking profit rate that they are referring. Bank says it is as per Shari'ah. Please help to sort this doubt as I am about to purchase a car and since I cannot afford full payment, I am preferring Islamic banking. Will I be in danger?

Greeting non-mahrams

Q: When a non-Mahram comes to my house accompanied by a Mahram, I shouldn't go and greet them right? Like two of my female cousins and my aunt. I shouldn't go to greet them, correct? Especially if one doesn't follow Islamic etiquette?

Hadith question

Q: The Messenger of Allah (Sallallahu Alayhi Wasallam) said: “Whoever says at the end of every Fajr prayer, while his feet are still folded, before speaking: ‘None has the right to be worshipped but Allah, Alone without partner, to Him belongs all that exists, and to Him is the praise, He gives life and causes death, and He is powerful over all things, (لا إله إلا الله وحده لا شريك له له الملك وله الحمد يحيي ويميت وهو على كل شئ قدير)’ ten times, then ten good deeds shall be wiped away from him, ten degrees shall be raised up for him, and he shall be in security all that day from every disliked thing, and he shall be in protection from Shaitan, and no sin will meet him or destroy him that day, except for associating partners with Allah.”

For this hadith, does this mean that it is impossible for a person to commit a sin on that day and does this include all major and minor sins? And is this Hadith graded authentic by everyone?

Not going to the Musjid due to fear of being hijacked

Q: My mother does not want me to go to the Masjid for Maghrib and Esha Salaah. Though we only live 15-20 minutes from the nearest Masjid, our house is in a somewhat isolated area. So my mother fears me being hijacked or something similar. Hijackings etc. are common at these times and in our area, so the fear of my mother is valid. However, I do not feel it is so dire. But I could be wrong. Though I also want to perform all my Salaah in the Masjid Insha-Allah. Please advise if I have to follow this command of my mother and thus perform Maghrib and Isha Salaah at home?

Doubts regarding the coming out of urine drops

Q: Sometimes after passing urine in the toilet I clean myself. I wipe myself with toilet paper but I didn't make sure whether I was completely dry. Now I keep feeling that urine drops have come out but usually when I check it doesn't happen and it's my doubt. While changing clothes I saw some wetness. Now I'm not sure that what that wetness is. It could be me not wiping dry enough as I didn't wipe very dry and could be water. I'm constantly doubting and checking all the time.