Ijaarah

Working for a company that educates poor people about banking

Q: I have a question regarding working for a non-government organization(NGO). The name of the organization is swisscontact. This organization does not work for profit. They work in many sectors like, health, education, earning and so on. One of their work is to make awareness of the banking facilities to the poor who do not hold any bank account and unable to do regular banking activities.

I may get a job offer in this organization. My job will be to hire agents who will work in the field level to educate people about banking activities. My job will be to manage these agents who will create awareness among people about conventional banking. Conventional banking may include savings account, savings schemes, loans, etc.

There will be some banks who will have a contract with my organization (swisscontact). This is a project based work and it is donor funded. My organization doesn’t earn from the bank or interest. This organization runs its operations from donor money. Can I work for this Company in this role?

Bribery

Q: If you can please enlighten me about a business like custom clearing and forwarding in Pakistan. You are the middle man between government and importer. you are forced to give bribe to custom officials in order to make them work otherwise they will linger you. They call it fees while government pays them already. From a sweeper till collector everybody works in this manner. Please guide me in detail or guide me where I can get detail to save my imaan.

Becoming a chartered accountant and taking bursaries from companies

Q: I am a grade 11 student and I want to pursue accounting after school. I am just concerned about whether being a charted accountant is permissible in Islam as it involves recording interest bearing transactions. The accountant is not involved in the actual interest bearing transaction but all he has to do is record it on, the businesses financial statements.

1. Is it permissible to become a charted accountant?

2. Is it permissible to take bursaries from large auditing firms in SA. They offer to pay for all your studies and you have to work with them for 3 years after you qualify. Is it permissible to work for these large auditing companies e.g. Deloitte and Tousche, PWC OR KPMG. They audit the books of large companies that also use interest.

3. Would mufti saheb suggest becoming a charted accountant?