Developing software for insurance companies
Q: What is the ruling, and your view regarding working for a software company that engineers software when many of the companies clients (over 66%) are insurance companies.
business
Purchaser refusing to pay the seller
Q: Is it permissible for a seller to fight with a person for an amount of 1 lac because the purchaser does not want to pay the remaining amount of a property purchased due to some reason. Is this amount halaal for the seller or not?
Provident fund
Q: I am employed in the motor vehicle industry. Is it permissible to contribute towards a provident fund? The employer contributes 8% of the monthly salary, and 7,5% is deducted from my salary.
Bank se qarz lena
Q: Me Barcelona Spain me rehta hon r taxi ka kam krna chahta hon kya me taxi licence kridne ke lye bank se qarz le skta hon karobar ke lye.
Bank ko zameen kiraaya par dena
Q: Kia bank ko jaga karaya par dana jaiz ha
Downloading an e-book for free
Q: If any author kept his book (not Deeni) on certain rate to download online (book for sale), the same book I get from another source some other guy downloaded before and posted on his site or from torrent. Is it ok to download that books and read it and get knowledge from it and it helps for my career. If the author is dead and the caretaker selling the book online. Can I download it from another source, I don't know weather they buy or just download it illegally and posting it for free.
Not revealing one's suppliers to others
Q: I am a work from home Muslimah and have a very small business. I have a few other ladies selling for me. My profit per item is half or sometimes less then half of what I pay per item. (To be honest I make R10 profit per item) so the person selling can also add a small profit or I pay them a certain percentage on sales made. Some people selling for me asked me where they can buy this items to sell for themselves. Is it wrong of me not to tell them cause knowing and believing that Allah Ta'ala gives rizik? I also feel burdened not telling them.
Adding the condition "goods belong to the seller until paid for" in a sale
Q: Please advise on below:
1. Many companies state at the bottom of their invoice "goods remain the property of the above company until fully paid for" What is the status of the goods?
2. Is it amaanat or does ownership pass on to the purchaser? Is such a condition permissible?
3. Will the sale be faasid if such a condition is added?
Employment involving the sale or handling of haraam items
Q: It seems that most jobs I’m qualified for are somehow indirectly related to the sale of haram items. I’ve seen Muslims working at these places, so I was wondering if I’m just overthinking about these things. The job I was thinking of getting is a stocking job where I may have to put haram products on the shelves of the stores. Is it haram for me to work at such a job?
Being an agent for a company whose dealings are unclear
Q: Zaid has invested Bakr’s money in one ABC Group of Companies. ABC Group has given Zaid commission on Bakr's investment. ABC Group has provided Zaid with the title of Sales and Marketing agent where his work is to just convince & collect investment from people for ABC Group. ABC Group does not pay any salary to Zaid but pays commission on the amount of investment collected per month from people. ABC Group has appointed thousands of Sales and Marketing agents/executives like Zaid to collect investment. These Agents have no record or idea of amount of investment being dumped in ABC Group. On contrary if any agent questions this to ABC Group he is terminated from his position. Their work is to spread the word given by ABC Group without questioning on public or private forum. ABC Group has formed no. of different Companies under its umbrella and shows some physical assets & its operation to agents and investors. But when we check the Audit report & Balance sheet of these companies from related Government Department we clearly find that paid up capital is almost nothing against the amount being collected. We find that profit & loss statements are false & not even equal 1% of profit what is actually being distributed to investors. Zaid & Bakr have no clarification for this.
Further to convince and attract more and more investors ABC group is occasionally inviting such non-Muslims film actors and actress who are famous for their vulgarity in Movies and TV Serials. Agents and investors both know it very well.
Question:
1. The commission amount what Zaid & other agents/executive gets from ABC Group is Halaal or Haram?
2. The profit amount what investors are getting from ABC Group is Halaal or Haraam?