Business and Dealings

Q: I am living in a GCC country for the past 20 years. I didnt have enough understanding with ribaa and was having bank loans and credit cards. In early 2008 I performed hajj and made alot of tobah with ribaa and after that I had chances but didnt take it anymore. Later my business got collapsed I got bankrupt and I couldnt repay bank loans. Since that time i owe banks money And my full intention was to repay the money somehow but I got total loss and now I am just jobless for around 2 years now in dire constraints completely. I want to ask you that if I leave the country without paying back the loans what I have trying hardest for the last 7/8 years...and there is no way to return and I am getting worse situation. Will I be held responsible or is it gonna be sin if I leave without paying as per my financial situation.

Q: I am self employed and selling biscuits and soft drinks to the retail shops. Some shops are off licenses as well. Is it permissible to do business with these shops. I do only soft drinks.

Q: I have paid 50% money for owning a business firm and the owner put a condition that I must pay the balance 50% within 6 months’ time and I have to give the money from foreign country where he is working. I can run/own the business only after paying the full amount. After 5 months, I asked my friend to join the partnership with this business by paying the balance of the money from a foreign country and he is ready to join also. However currently the value of this business is increased during this 6 months duration. So, can I reduce his partnership percentage to 30% as per current value of business firm and actually he paid 50% of the total value (It means he has to pay more money than actual value that I brought as per current market price). Is it become permissible as per Islamic rule?

Q:

1. Is it permissible to use my child's gift money to buy her something to use such as clothes or a car seat or toys?

2. After using the item, how do I dispose of it?

Q: Is it permissible to take a sweet that a child offers you? E.g. my small brother.

Q: I am working as an accountant in a liquor company. I struggled to find any work for two years and took this job out of desperation. What should I do?

Q: Is the system of committee in which a huge sum of money is collected by members of a group and given to one person at a time and then this person has to pay back the money he received at monthly intervals lawful in Islam? What is it's ruling in shariah?

Q: I borrowed a person 100 000 Rands which he has not paid. I take out sadaqah every month of 5000 Rands. Can I take that sadaqah for myself and offset it off his account? If he does pay one day, then I will give that away as the sadaqah?

Q: Thirty years ago, when I was a child, I found a gold necklace. My sister took it from me and kept it. Two months ago she returned the item back to me saying she is not entitled to it. The local police law states that if you find something you must hand it in to a local police station and if no one claims it within 28 days then it becomes legally mine. I handed it in to the local police station and no one claimed it. I couldn't say I found it thirty years ago because I might have got into trouble for keeping it so long. Obviously no one claimed it so the police have said I can keep it. I don't want to be sinful so what should I do with the necklace?

Q: Is takaaful in South Africa permissible?