Ijaarah

Keeping track of an insurance company's products and payments

Q: I work as a programmer for a company that has multiple customers like jet, Edgar's, Pep, Hollard, etc. 

Whatever the client requires, we create a program for it. 

One of our biggest systems is to create and maintain a program that allows Hollard to keep track of their customers insurance products and payments. We do not gain an income from the insurance payments but they pay us an admin fee for the use of the system. Is this considered a halaal income?

Earning money through social media tasks

Q: There is a platform where you earn money by engaging with social media—liking and following users on platforms like Instagram, Facebook, and YouTube. Every day, you're given a set number of simple social media tasks (such as following a profile or liking a post), and you're paid for completing them. 

When you first join, you're required to purchase a package—this is often referred to as an "exam" or "activation" package. The size of your daily task quota (and potential earnings) depends on the package you choose. For example, if you buy a package worth around $550, you'll receive 7 tasks per day. More expensive packages generally unlock more tasks and higher daily earnings. 

You can also boost your income through referrals. By inviting others to join CloudBoost, you earn a commission when they sign up and purchase a package. Additionally, when the people you invited start referring others, you earn a percentage of their activity as well—creating a multi-level earning structure. Is this pyramide scheme and therefore haraam?

Earning by helping university students write their assignments, reports and research papers.

Q: I am a single mother (not divorced) living with my parents. I do not pay rent or utility bills, but I manage all other expenses for myself and my baby, including food, clothes, diapers, milk, etc. 

The baby’s father sends a small amount (around 20,000 PKR) monthly — sometimes not even that. 

I work from home and earn about 1.5 lakh PKR per month by helping university students write their assignments, reports, and research papers. I use tools like ChatGPT to generate answers and then rephrase the content using other software. I work very hard and honestly, but now I’m very worried: Is this income halal or haram in Islam? 

I want to raise my son as a Hafiz-e-Quran and a good Muslim. I don’t want to feed him with haram money, but this is the only source of income I have right now. I am very stressed and confused. Please guide me according to Islamic teachings.