Business and Dealings

Q: I work as a teacher at a Madrasah. The Madrasah has a tuckshop. When I buy from the tuckshop, the shopkeeper (an elderly Moulana) allows me to take what I want to buy and pay the money directly to the till. In fact, he told me to do this once or twice. There is no loss to the tuckshop in my doing this. Generally, the shopkeeper doesn't even know what I bought since I paid directly to the till. Is this permissible?

Q: I intend to enter into a Mudhaarabah agreement as a Mudhaarib, kindly advise me if the below transaction between the Mudhaarib and Rabbul maal is permissible: 

1. The Mudhaarib will rent out space of the Rabbul Maal's warehouse at a set price/sqm. 

2. The Rabbul Maal will facilitate the picking and packing of products in the warehouse for a cost per carton. the above arrangements will be structured as three separate contracts: 

 The Mudhaarabah agreement. 
 A separate Ijaarah (rental) agreement for the warehouse space. 
 A separate Ijaarah (service) agreement, whereby the Rabb-ul-Maal undertakes the picking and packing for an agreed fee. 

The following conditions will be observed: 
 The Mudhaarabah capital (Ra-sul-Maal) will first come under the full control and possession of the Mudhaarib. 
 The Mudhaarib will retain full discretion over the management of the Mudhaarabah business and will remain at liberty to rent any other warehouse and engage any other service provider. His choice to utilize the Rabb-al-Maal's warehouse and services will arise only through separate Ijaarah agreements and will not result in the Rabb-al-Maal effectively retaking control of the Mudhaarabah assets or operations. 
 The rental and service fees will be fixed and known, and will represent genuine consideration for those services rather than a means of guaranteeing a return to the Rabb-ul-Maal.

Q: I am an Attorney specialising in conveyancing. 

As part of the process, certain debts need to be paid by sellers before transfer is taken and the money is paid for them. 

Hence there is a service by third parties called bridging finance. They essentially give a seller a loan against the impending purchase price coming in. This service is probably a riba based model. 

I only refer non-Muslim clients to them. For that referral, the third party offers me a referral fee. Is that referral fee halaal for me ?

Q: I would like to work at a cider mill near my home. They produce apple cider, and the majority of their products contain alcohol. Only two of their products, which consist of pure apple juice, are halal. 

Since I study Process Engineering, I would like to work there because the work is related to my field of study, and the experience I gain there could be very beneficial for my future. I also live close to the factory. 

Please take into consideration that I live in Germany, where it is not easy to find a company in which all processes are 100% halal. The cider mill is also part of a large corporate group that mainly offers drinking water and fruit juices. 

Would I be allowed to work there part-time?

Q: Can you please advise me on the following matter: 

A divorce took place approximately 13 years ago. The husband (and his family) are now requesting return of the gold coin which was given to the girl as her mahr when they performed the nikaah. However, in 2021, the house was burgled and the coin together with all other valuables were stolen. 

Questions: 

1. Is the girl now obliged to return the coin if it is in her possession? 

2. Considering that the gold coin has been stolen, is the girl under an obligation to recompense her ex-husband the value of the coin? 

3. If compensation is what she must do, then upon which value must this compensation be determined, i.e. at current value or the value 14 years ago?

Q: I want to ask -  is drop shipping permissible or not? Let me explain the process: 

When a customer places an order, I contact the supplier to say that a customer has placed a specific order. The supplier then charges me the cost of that product from my bank account and then delivers it to the customer. So in that way, is it permissible or not?