Various masaail of Business and Dealings

Q: What I would like to know is; are there any sunnah businesses like textiles, gems or itr, etc? Is it either sunnah or emphasised in shariah for barakah?

Q: I have a question about withdrawal from a broker. I know FOREX trading is a separate issue, but lets say you do.

My question isn't about FOREX specifically, its about withdraw. Lets say our first initial deposit is $1000, then you make profit and your account becomes $5000. Now some brokers will say that first you have to withdraw your initial deposit, then you can withdraw your profit. This is haram. But if the broker lets me take all my money, then its halal. Please explain why the first scenario is haram.

Q: Please advise if this method of saving money is halaal.

6 people each agree to participate in a group savings plan. Each person pays monthly to 1 person an amount of R1000.00 for 12 months. Person 1 recieved R12000 in the first month being January. Then person 2 recieves R 12000 in March and so on and so forth; whilst each person still pays R 1000.00 for the rest of the year. In this way each person recieved a bulk amount of R 12000.00 even though they may not have paid their full amount on their turn of taking out the R12000.

Q: In 2016 I paid an agent £19500 for a hajj package for four people (myself, my wife and my two daughters). Just after Ramadhaan 2016, my eldest daughter had an operation and she could not travel. As such, my eldest daughter and my wife had to cancel their hajj trip.

As the trip was already paid for, I arranged with the agent for my niece and her husband to join my daughter and I for hajj from Zambia.

They applied for their visa in Zambia and booked their flight tickets from Zambia as they were going to join us in Jeddah. After they arranged and paid for everything, they had to cancel their trip as my agent in the UK did not apply for our visa and gave our package to another party.

I had to compensate my niece for all costs which came to over £500. My agent refused to give us a refund in 2016 and made the excuse that the visa was refused so he will take us for Hajj in 2017.

In early 2017, the agent had a very bad accident and was in hospital for a few months. Due to the accident, he did not do any hajj packages but kept promising me that he will take us for hajj with another group. However, it never materialised and he was still refusing to give me a refund. I subsequently took him to court and got a judgement against him as well as his company for my payment to him as well as the compensation that I had to give to my niece plus costs for the claim.

The agent did not have any money to pay me as per the judgement and so his old partner interceded for him to come to a compromise. Hence, we agreed that the agent would pay me £1000, which he did, towards the claim costs and that he would take us for hajj in 2018 with a third party.

The agent arranged a package for us with a third party on the basis that when he got his hajj visa license for 2018, he would give it to the third party in exchange of our hajj package. The visa license depended on the agent getting a license which he has not received as yet, and so he has not been able to get the visas this year.

The agent came to see me a few weeks ago and apologised for all the inconvenience. He told me that he cannot take us for hajj this year as he has not received his  license and as such, he cannot get the hajj visa to compensate the third party for our hajj package. He promised me that as soon as he gets his license approved, he will give me my certificate for the hajj package so if he does not take me for hajj in 2019, I can claim from the organisation which issued the certificate.

Similarly, without me asking, he gave me the following two choices as a means of compensating me.

1. When he takes me for hajj in 2019, he will upgrade our rooms in Makkah and Madinah.

2. Rooms will stay as normal but in addition, he will take us for umrah in December 2018 at his cost.

My question is that from a sharee point of view, can I take the second option?

Q: My boss is going for umrah and I have been tasked with managing the business in his absence. While I was away over the weekend he installed a microphone listening device that he connected to the camera system. I understand that cameras are necessary and assist us in the event that customers have queries. I am unhappy with the listening device and feel that it is an invasion of privacy. What happens if I recieve a personal and private call from my wife? Please let me know if it is Islamically correct to use such systems to spy on staff and if I am justified in feeling unhappt about it.

Q: I have a question regarding inheritance and family business profits.

I live in a different country as my parents and my father has a business. It is a family business and I've worked in it in the past. My father doesn't go to work a lot these days and my brother manages the business. I am away and so not involved in the business.

My question is about inheritance and access to money from the business. I don't ask for money and I have a job that pays my bills. My brother on the other hand takes money from the business and makes bold decisions when it comes to buying things with family money.

Am I eligible to get a share of the profits from the business as per shariah? I understand that if the business is sold then I do have a share but while the business is running and my father is alive, is it immoral for me to take a share from profits even when I am not involved?

Q: I am an intern student in an organization, where we work on project basis, at last out of city project we were allocated a budget of Rs.6100 per day for our personnel expenses like meals, travelling and hotels. These expenses do not affect our work efficiency. These expenses were purly for our personnel expenses. Conditions was that if the budget exceeds 6100, the extra was to be paid from our own pockets. But in this project my senior made saving by selecting a very low standarad hotel. At the end of project he handed over half the savings to me.

I could not resist because if I resist they will hold back my actual expenses that were paid from my own pocket and also the whole organisation will go against me. Because to hold these saving is considered normal in my organisation.

Now the question is, is the money Halal or Haram for me? 

Q: I have 3 little sisters and they study at a private school. My father don't want to pay their school fees and I work with him (my father). I don't know why he is doing this. My question is that, can I take money from the shop without telling him and pay their fees?

Q: I am working at an engineering company. My boss used to like me before because I was always at work early. We start work at 7:30am but I used to be at work before seven and I used to get extra money, but now I am going to work at the normal time 7:30 because I read Suratul Yaseen and azkar... My boss is not happy with me like how he was before. What should I do? Should I go early and miss my Suratul Yaseen or should read Suratul YAseen before I go to work?

Q: I am working in a company in night shifts and I am planning to switch to another company due to salary concerns. To get a higher salary I have edited the payslip of my company's current salary because most of our collegues and I feel that the companies are exploiting us by paying us a less salary and they are getting higher profits. I feel like it is cheating because I am editing my current salary from 17000 and faking it to 21000. I have already been selected and if I join that company, is my income Halal or Haram?