Business and Dealings

Taking a loan from someone who took a loan on interest

Q:

1. If I borrow a certain amount of money from a person with the intention of paying back the exact amount to my lender but the money that has been lended to me is money that has been borrowed by my lender that has agreed to pay back with riba to his lender. Can I use the money knowing this?

2. If I lend a person money but the person pays back my money from borrowing from another person with riba? Can I accept?

3. If a person gives me a gift but I doubt if the gift is bought from haraam money. Can I take it?

4. I lend someone $180 but they pay back me $200 without me asking can I keep?

Road Accident Fund

Q: The road accident fund agrees to pay a person involved in a motor vehicle accident R100 000 for general damages. This agreement is taken to the high court so it can be made into a court order. The court order is made on 1 january 2017 that the road accident fund will pay the person R100 000. The court order further states: "In the event of the aforesaid amount not being paid timeously, the defendant shall be liable for interest on the amount at the rate of 10.25% per annum, calculated from the 15th calendar day after the date of this order to date of payment." The road accident fund pays the amount after 6 months of the court order and therefore interest is also received on top of the R100 000.

The question is: Is this extra amount received interest according to the shariah?

Advertising in the newspaper and on online platforms

Q:

1. Is it permissible to advertise for my business in the newspaper?

2. Is it permissible to advertise for my business on advertising platforms like Gumtree and Junkmail? On such platforms, once a person clicks on my ad, he will not see other people’s ads. However, ads from other websites of all sorts may pop up.

3. Is it permissible to advertise for my business on Instagram? If someone has to come to my Instagram account, he will only be able to see my posts.

On all these three platforms of advertising, pictures of animate objects of all sort appear in other people’s ads. Also, some of the ads which appear are of an impermissible commodity.

Woolworths credit card

Q: Woolworths offer a credit card for R69 per month. The benefits are that a person gets free delivery on all orders online.

Secondly, every purchase one makes with the card accumulates 3% cash back. Would it be permissible to use this card, not earn interest nor pay interest, but use the free delivery extensively as well as the quarterly cash back.

Who is responsible for shipment or courier when ordering an item?

Q: I ordered an item from overseas. When ordering, they offer you various shipment options, such as couriers, post office, etc., with various pricings.

1. Does this make me responsible if the post office loses the item, because I chose who I want to deliver the item to me, making them like my wakeel to accept the item and transport it to me. However, on the other hand, the seller still remains in control of the shipment since they sent it. For a lost parcel the seller will have to contact the post office and submit the claim, etc. not me.

2. The parcel disappeared, it seemed to be lost. The seller sent a new item by courier, which reached me within a week. The seller (non Muslim) will make a insurance claim for the 1st item from the post office. Can I use this 2nd item they sent me?

3. A few months later the first item arrived in the post. However customs want a payment of R1000 to release it. I need this shipment to be sent back to the seller because I have already received the 2nd parcel they sent, and this is extra. Who will have to pay for the return shipping and customs fees?