Interest and Gambling

Q: I currently live in Bangladesh. My father suffers from liver cirrhosis. I have plans to do Masters or PhD in USA. It is recommended for my father to do liver transplant but currently the liver transplant is not available in Bangladesh and in India it will cost 1-1.5 crore Bangladeshi Taka(currency), which is out of my reach.

When I start PhD in US, will it me permissible for me to buy an insurance for my father, take him to US and do the liver transplant and then send him back to Bangladesh? I cannot find any Takaful Health Insurance in US and don't know how the rest of the insurance work there.

Will it be permissible in a case like this? 

Q: I have an Fnb Islamic cheque account which has with it a savings pocket account. Every month, depending on how much is in my savings pocket, I receive a profit share. Is this profit share amount permissible to use?

Q: I have recently opened a bank account and the bank has a scheme for all its customers where one account number will be chosen in a lucky draw... The account holder will receive some price money.

There is no payment required to be a part of this lucky draw.

My question is, if someone wins the prize money... Is it halaal to use this money?

Q: Will the Albany bread competition below be permissible?

By purchasing four loaves of bread and sending through the unique codes (the codes are sent by SMS charged at 40c for every 20 sec), one will be eligible to receive a free loaf of bread. Together with this, one will be entered into a draw for other prizes. If a person enters with the intention of receiving the free loaf of bread only, will this then be permissible as the loaf of bread is a guaranteed prize?

Simply buy any 4 of our participating promo packs.

You’ll need to successfully collect 4 out of 4 unique codes in order to claim 1x free Albany loaf voucher.

How do you claim yours?

Buy 4 Albany loaves. Find the unique code in the pack. Dial *120*12214# and follow the prompts to enter your code. You’ll receive a wiCode SMS voucher to the value of R16,50. Each unique code entered is another chance to WIN R5000 cash daily and one of 1000 School Essentials vouchers valued at R200 each and one of 1000 more School Essentials vouchers. Once you have received your R16,50 wiCode SMS voucher, you’ll have 14 days to claim your free bread from participating outlets using your wiCode voucher. Every 4 codes entered is another chance to claim another FREE loaf of Albany Bread and every code entered is a chance to WIN daily R5000 cash daily.

Q: Please help with the following:

1. Compulsory company provident fund cover in the event of death, disability, retirement, dismissal, resignation. Is it halaal or haraam?

2. Liberty Life, Life Cover. Is it halaal or haraam?

3. Sanlam Retirement Annuity. Is it halaal or haraam?

Q: Is the prize money earned by winning a fight in a Mixed Martial Arts competition halaal, haraam or makrooh?

Q: If I play in a gaming tournament and win, is the money halaal or haraam?

Q: Can interest money be given to a domestic worker to be used for building her house with no intention of it being a gift?

Q: I am working in a company where we have a provident fund facility. I wanted to take some amount from my PF Account. In case of temporary withdrawal, the company will charge a certain % as loss of interest. Can I borrow this amount from my PF account? The purpose of borrowing is making investing in some areas.

Secondly, the company always gives interest on our PF balance on annual basis so would it be jaiz for us since this activity of fund and participating in fund is mandatory. The decision of investing PF fund is also with trustees of fund and not with us.

Q: Is profit paid on a savings account by the bank halaal or haraam?