Business and Dealings

Q: I live in UAE and is it possible to get a loan from an Islamic bank. What is the difference between Islamic banking and conventional banking because both are offering same kind of products.

Q: Is it permissble to do a service in the following mannner:

1. The worker explains the service and its disadvantages to the client.

2. If the client wants the service, he pays a certain portion of the payment upfront as a deposit.

3. The worker then uses some of this deposited amount to purchase a facility that allows him to complete the service.

4. The work is then done and shown to the client for approval or rejection within 25 days.

5. If the client approves it: the client pays the remaining amount, and the completed work is given to client, along with ownership of the facility.

6. If the client does not want it: the worker then cancels the facility, receives a full refund from the facility provider, and returns the full deposited amount to the client.

Q: Is online earning like Youtube, doing surveys online, installing apps, referring service and apps for others, etc. Many services and websites are available online for earning, that all work in Islamic perspective. Are they halaal or haraam?

Q: I requested R300 fuel at a filling station, but the attendant filled R370 in error. Am I obligated to pay the extra R70? The manager informed me that the attendant is liable. Is this correct? What about the extra fuel in my tank?

Q: If I want to earn on youtube, is it halal? The money comes for the ads which are played during my video and I have no idea what the ads will show or promote. 

Q: Please guide me about selling and purchasing of drone cameras. These could be used for photo taking and video recording.

Q: I have recently started a part time make up course so that I can start earning money to help with expenses for my husband and kids. I have already spent money on the course and on buying the necessary things to do make up for other clients but I realized that it may not be permissible to do make up for others.

1. Would I get the sin for doing make up for women who then go without hijab to functions or mix with non mahrams? Will my income be haraam?

2. Also are we allowed to use stick on synthetic lashes for women who request so? If I had realized earlier I would not have invested in this course and the make up needed

Q: Sometimes I secretly replace my wife's money from her purse with a bigger amount. For example, if she had R50, I take the R50 for myself and replace it with a R100 without her knowing in order to surprise her. When she comes to know of a bigger amount, I lie to her and tell her it was miracle that took place from the side of Allah. It really pleases her when she hears stuff like this, miracles etc. 

My questions are:

1. Am I guilty of the sin of lying?

2. By me replacing her money with a larger amount, is this regarded as Ribaa?

Q: I have a Muslim friend and he shared something with me secretly but I couldnt answer... he said that once he stole a telephone from someone, and he is still using that, but he cant find the owner to return it. I told him to sell the phone and give the money in charity.. but I am not a scholar so I am not sure what he should do?

Q: I want to sell physical health eBooks that may contain images of humans for the purposes of demonstration. E.g. a fitness eBook demontrating how to perform an exercise or movement. The intention is that buyers will be purchasing the eBook for the information and content and not for the images. What is the ruling on this (both male and female images, would awrah need to be covered as this is solely for demonstrational/educational purposes?) and will income gained from this be halal? If this is not permissible, could you give me guidance on other methods I can use to demonstrate things such as exercises/stretches with visuals etc.