Trade

Q: I have a question regarding interest. I have a financial issue in my business. I need around 5 million to complete my running order. A friend of mine has an electronics business. He is selling his products at a higher price in easy monthly installments. As I told my problem to him, he bought a vehicle for 5 million pkr and sold me this vehicle for 7.5 million in six monthly installments. I sold this vehicle to the same owner at a lower price (4.99 million) and took money for completing my order. Is this haram in Islam? Because my friend is taking money against a product, not against money, and I'm paying him for a vehicle, not for money. If it is haraam, then what is the solution because I already used the money and invested in my business after selling the vehicle. 

Q: I often sell goods on lay-by. It is becoming more frequent that the buyer cancels the lay-by after having paid part of the agreed amount. I then refund him the paid amount.

When this happens, is it permissible for me to charge the buyer a handling fee or admin fee of say 10%?

Q: I currently run a printing business where I print tissue paper for businesses. This will have their logo printed onto it so they can use this for packaging products.

Occassionly I get orders such as a logo and 'Christmas at Next' written underneath. Is it permissible to print this or not?

Q: Is it permissible to charge a customer just for a quote on the items they want? I know some people who are charging R50 to give a customer a quote on maybe 15 items. After that, if the customer comes back and buys about 6 of those items, they will refund their R50. If they don't buy any items or buy less than 6 items, they do not get refunded.

Q: Is it permissible to sell a children's blanket which will have some decorations, a name on it (e.g. Zain) and with it will be "Allahuma bismika Amooto wa Ahyaa"?

Q: I live with my grandparents and they have a shop which sell mostly biscuits & they also sell cigarattes! (According to some sholars in my country cigrattes are makrooh, while I have heard some Arab scholars say its haraam).

I want to be on the safe side so, as I live in their house my concern is I use electricity/internet to learn as I learn online! Will my online earning be halal if I pay them later on for electricity/internet I use?

Q: I work as a sales processed in a bed factory. My work is halasl but one aspect is concerning me:

I recieve requests from customers to make bed labels which the company has already designed & they contain silhouettes of 2 animals - the silhouettes vary in size, most contain a head 1 mm in height but some larger.

Before I send the request to the printing company, the customer previews the labels where the silhouettes can be clearly seen. Would I be sinning by sending the online versions & also sending the request to the printing company to print?

Q: Around 5 months ago, I had purchased two 1oz Silver Kruger Rands online from a website. I paid them the full amount due and a few days later they delivered the coins to me.

Was this transaction permissible and if not, what is due upon me?

Q: Is it permissible to buy cars made by Ford as they have a car named “Taurus” which is the name of a zodiac sign. The company probably kept the name on the constellation of stars or name of zodiac sign. I don't know if people associate it with the zodiac signs or not.

Would it be permissible to buy this car (Taurus) from this company or any other car from this company (Ford) ?

Q: I would like to know if the the rule in business 'eft confirms your order' is permissible?