Business and Dealings

Q:

1. Is opening a 'Shariah-compliant' savings account at a bank or at an 'Islamic' Bank with the sole intention of the bank safekeeping your money permissible if one intends to give all 'profit' earned in charity?

2. If one already has an investment account at an 'Islamic' Bank that claims to follow a Profit-and-Loss mode of financing, what should one do? Should we close down the account?

3. Is it against taqwa to save/invest money for the future?

4. What are the permissible means if one wishes to save/invest?

Q: I have a general store where I sell a variety of different items. It often happens that a customer buys something, but later on has a change of heart and wants to return the item. The problem is that he has already damaged the packaging when opening the item e.g. he tore the plastic and box. This makes it difficult for me to resell the item because customers view the torn packaging as a defect in the item. What should I do in such situations? Can I inform customers that in the case where the packaging is damaged, a full refund will not be issued, instead 15% will be deducted from the refund?

Q: My problem is that I am unemployed and my family is forcing me to get a job in a bank but I don't want to do this job because I think it's haraam. What should I do?

Q: I’ve been hearing a lot of people say that suing someone is not permissible in Islam, is this true?

Q: In India it is quite common for girls to receive jewellery as gifts or rewards by relatives. I received an expensive gold chain from my paternal aunt for passing my graduation with distinction. Also my dad gifted me a gold set. Also at the time of my wedding I received some gold jewellery.

All this jewellery is under my mom's possession. She says that I have no right over it and the jewellery belongs to her. Since I have left my father's house I have forfeited my right over my gifts. She plans to gift them to my sisters in law maybe sometime in the future.

I would like to know if I can get some of the gifts back. I have extreme sentimental value for the gifts given by my dad and aunt who are not alive anymore.

Q: I have four daughters. Three of them are married and the youngest one is a student. Out of all four, one married daughter was separated (got Khula) and is living with her parents (me and my wife) along with her daughter (my grand-daughter). Please guide me:

If I sell my house wherein we are living, can I gift 50% of the cost of the house to my seperated (Khulah yafta) daughter in my life?

Q: My husband knows some people who makes cards for work. They asked him to get people who want cards. If people go by themselves, they have to pay 80£ to do the test. If they fail the test they not going to get the card. But if you pay more, they can get the card for you without doing the test and you have to pay around 200£.

So my husband gets people and tells them it's 300£ for the cards. He takes them to get the cards and explains everything to them. He takes the money and pays 200£ to the people making the cards and takes 100£ for himself. Is this halal or is it a kind of riba? 

Q: When Nabi (sallallahu alaihi wasallam) came to Madina, the people used to pay in advance the price of dates to be delivered within two or three years. He said (to them), ‘Whoever pays in advance the price of a thing to be delivered later should pay it for a specified measure at specified weight for a specified period’”(Bukhari no: 2239).

I read this quotation in a book. Can I know how it is done according to mazhab of Shaafee?

Q: I want to start a business and I have an idea. The problem is that the idea is so easy, if I go with this idea to a traditional investor or Venture Capital firm they will copy the idea or start it on their own.

I don't have any capital to start the business so I can start the business with help crowdfunding. Will the business income be halaal?

My intention is clear that when I start making profit, I will start returning the money to the people or via the same way I got it, or I will donate the same amount of money to others.

Another thing is, can I use some money to buy a house with the capital raised because we are living in a rented house for a very long time and i want to buy a house.

Until I don't return the full capital money as I said above, is it permissible to donate some part of the income to other people in need? 

Q: I'm a Muslim and I work in a truck company. I'm responsible for all the mechanics in the trucks. Now we started working with a beer company called Heineken in Mozambique. I don't drink and I don't like to be involved with alcohol. I'm the one responsible for all trucks to be on the road.

My question is, is that job permissible for me?