Business and Dealings

Q: Is charging more than the price on an item if it is bought on installments permissible or not?

Q: Is it permissible to pay a fixed monthly fee for a credit facility on a credit card? The fee is payable whether or not the credit facility is used. No interest will be incurred on the credit facility.

Q: I am very depressed even though I pray salaah five times a day and sometimes I pray tahajud too. I read Quraan 3 or 4 times a day. I think that I am disobedient towards my parents...

My mother always wants me to study but when I open my books I cant focus. Moreover I have applied for a job at the bank but when I open the books to study, thoughts come to my mind that it is haraam and Allah will punish me. My mother wants me to work and I am very depressed.

I make lots of dua and offer nafl prayers too. I ask Allah to help me so that no one will be displeased with me.

Please advice me so that I can come out of this depression.

Q: Is it permissible to work in an organization which gives loans for building houses?

Q: Can I take a loan on interest from a bank to pay off my friends debts in order to save him from going to jail?

Q: I am in need of money. If I buy something like a mobile phone on installments and then I sell it because I need the money, and pay the installments every month, is it permissible or does it come under interest?

Q: One of my friends required a loan of R500 000. I loaned him this amount, and our mutual agreement was that he would repay me after one year.

Unfortunately, only six months have passed and I have fallen into some financial difficulty. Can I claim my money back from my friend, even though the agreed term of one year has not yet terminated?

Q: I am a Graphics Designer. I have been working on the software called Illustrator. This software is used to make logo, portraits and many other designs.

I work for different clients all over the world. In almost all the projects I have to make a picture of a human, animals and plants to make it attractive. But I came to know from somewhere that making these designs is forbidden in Islam. If yes, then why taking pictures is allowed?

I hope to get a detailed answer. If this is really forbidden then please suggest what I can create. I think in these ages its difficult to run away from pictures and drawings since they are every where. 

Q: I am running a business of supplies and transportation. One of my friends is interested to invest with me in a car. He wants to invest ten lac rupees for five years on a profit ratio of rs. 1500 per month. Is it permissible or is there any restriction in such an investment?

He will receive a fixed amount of rupees (15000) on his investment and if there will be any loss or damage of the car, the insurance company or myself will bear the financial loss on the car. What will be the Islamic ruling in this condition?

Q: A police stopped a brother for speeding 91km in a 80km zone. So the brother asked him for a chance and told him that he just did some charity and if  the police could spare him. The police replied that since you just did some good deeds why not do a good deed for the police as well and give me something (money). Is that a bribe or a gift?