Business and Dealings

Purchasing a TV on interest

Q: I bought a TV with option of no cost emi of 3 months. After emi completion, Later I found out that it is not permissible and it involves interest as bank gives loan and charges interest and then I checked my statement and found out.

I usually buy items paying all amount but this happened first time that I had to take this option of no cost emi. From the day, I came to know I am feeling bad. Should I sell of my TV or keep it? If I sell I won't even get 50% of amount which I took. So I am in a dilema. What should I do in this case.

Seller charging more than the fixed price when selling an item

Q: I bought an electronic item from a store and it was discussed that the amount would be 67000 INR even if I pay once or in 3 installments. On the bill it was mentioned that 22333x3 will be deducted from my card every month for 3 months and also it was mentioned as 65300 as principal and 1700 as interest. Is this allowed as the amount was fixed?

Later, I found out in the statement that around 100 rupees was charged extra and total amount which they took was 67100 INR.

Employee liable for making purchases on a company's name after resigning

Q: Please advise who is responsible in the following scenario:

Ahmad gave permission for Ilyaas (his employee) to purchase on his company's name from ABC stores. This carried on for a whole year where he would purchase on behalf of Ahmad's company and payment for the goods would be done 60 days later, as per agreement with ABC stores.

However, without ABC stores knowing, Ilyaas resigned from Ahmad's store. In that month after he resigned, he was still making purchases on Ahmad's name and when the time came for payment, Ahmad refuses to pay as the purchases made in that period were not authorised by him, nor was Ilyaas employed by him, nor did he receive any goods. Ilyaas no longer comes to ABC stores and cannot be reached or found.

Who is liable for the goods in this situation?

Clalit Health Services

Q: "I've been informed by my Muslim friend, an Israeli citizen, that according to the Mashaaikh in Palestine (Israel), participating in Clalit Health Services is considered permissible. Clalit is a health maintenance organization where members pay a fixed monthly fee for comprehensive healthcare coverage. Considering this structure, I seek further clarification and alignment with Islamic principles.

Additionally, is the model of Clalit Health Services similar to that of medical aid commonly seen in other places, or are there significant differences that I should be aware of? I kindly request insights on this matter, and if further research is necessary for accurate understanding, it would be appreciated if you could provide guidance on the key aspects to explore."