Valid & Invalid transactions

Q: Is Forex trading allowed in Islam?

Q: I have certain customers who pay via EFT and prefer to make monthly payments in advance. Since they are purchasing milk and eggs from me, often I have not yet received the milk and it has not even been produced yet.

1. What is the correct way for me to conduct the sale with these clients?

2. One of the customers mentioned that they don’t mind me using the money before they have purchased goods to the full value. Is it permissible for me to use it?

3. I have a customer that pays later. After purchasing the products, he sometimes has a complaint that it’s not as fresh as he is used to. If I wish to give him a discount, what would be the best way to do it?

Q: I sell eggs and I keep my stock at my parents’ shop. Once, a staff member from my parents’ shop had taken from my stock which is kept separately and sold it to the customer. It was brought to my attention a while later. As the products were more expensive, I had discounted them when sending the invoice although the goods had already been sold to the customer. Is this permissible?

Q: I am a Muslim and a doctor. In our country, Medical Representatives (all pharmaceutical companies) visit us with some physician samples daily and we receive it. Few of them we provide to some poor people, and most of them we sell it. By selling it we get some money. And we use this money for our personal use. As a Muslim is it halal or haram for us? 

Q: Vodacom has a service called airtime advance whereby a person can purchase R5 or R10 airtime on credit. After you purchase the airtime, then at a later time within a stipulated period, they will recoup the R5 or R10 plus an additional R1 which they term a service fee. Will this constitute riba?

Q:

1. Is buying a land which is not identifiable like people buy for example 500 yards in a housing scheme but the plot purchased is not yet demarcated, permissible?

2. If one has such a land, is selling it and using that money to buy another land which is well identifieable permissible? (I mean using the money obtained by selling the land which was not identifiable permissible or not?

3. Buying a flat in installments in a building which is under construction, and hence the apartment one bought is not physically there when the agreement to purchase was signed. He then started to pay the installments, and his flat was, in the meanwhile constructed and he continued to pay. Is buying such a property which was not physically present permissible? Can one sell it once it is completed and he clears all the installments? Would the money obtained by selling it be halal?

Q: My friend has a business of selling stitched female clothes. I'm in another city and she made a deal with me and my sister that for every dress that I will struggle to get sold in my city, I'll be getting some profit ranging from 50 to 500 rupees, depending on what type of dress it is. So I call my female friends and relatives, and sometimes when I meet them, I tell them about the dresses, take their sizes and send them to my friend in the other city. She stitches the dresses and gives them to my sister who is also working with us. My sister then delivers the dress to my city. Is this income halal?

Q: Sometimes store owners ask us to help them out with stock that has not been sold and is sometimes past the sell by date.

1. Is it permissible to give them back the full value of the stock as a credit?

2. Is it permissible to swap the stock directly for a fresh lot?

Q: Ali sells tape to a shopkeeper. Can we also sell tape to the same shopkeeper by purchasing in bulk from Ali and sell to his same customer? 

Q: Some airlines, while making reservations, offer the option of paying additional charges to make a non-refundable and non-changeable ticket become a refundable and changeable ticket. Is this extra payment permissible?