Business and Dealings

Paying interest fees with interest money

Q: Is it permissible to pay interest fees with the interest received, from and to the same party. 

E.g. A bank rewards its client with an interest % for utilising a savings account. On the other hand, the same bank charges the client an interest fee for using its credit card facility. Can the client pay the latter with the interest received? As it will be returning the same interest to the bank.

Charging handling fees on items returned

Q: Is it Islamically permissible to:

1. To charge a general 15% handling fee for all returns for admin & transportation costs. Example, the seller is in Durban and the buyer is in Johannesburg or Cape Town. The seller incurred admin & transport costs to get the goods delivered & will incur costs to get the goods returned. There could be various reasons for the returns - incorrect goods supplied, excess stock bought, damaged goods received, buyer cannot sell the goods etc. 

2. If there is a price dispute between the seller & the buyer for goods supplied, can the seller write off the disputed amount as a donation? 

Note: The sales rep quoted the buyer a price and the admin office charged a higher price. When the buyer received the invoice, he queried the price & refused to make payment until he is charged the quoted price.

Gifting of the house and inheritance

Q: My father had eight brothers and one sister. From the eight brothers, my grandfather had a small son. The small son’s hand was cut off in an accident when he was studying. 

Now, my grandfather gave his house to his young son whose age was 25 because his hand got cut, but my grandfather only gave him the house, not the things in the house. At the time when my grandfather gave him the house, my grandfather and grandmother were also staying in the house. After my young uncle began damaging the house, my grandfather took the house back and gave it to my grandmother. My grandfather gave my grandmother the house and everything inside the house. Thereafter, my grandfather passed away. 

My grandmother then decided to give the house to my other uncle. She told him that he can take the land, build on it, and whatever is the existing property, after breaking it e.g. the tiles, the wood etc., he should distribute it among the other brothers. However, he got angry and never took anything. 

My grandmother then came to my father’s house and gave him the entire property (the house and everything inside the house). My father was the eldest son. My father then sold the property for seven hundred thousand rupees. My father wants to know what should be done with this money i.e. who does the money belong to? Should the money be given to all the brothers or can he keep the whole amount for himself?

Woman working

Q: I am a mother of 3 kids. Few years ago, I used to work as a daily wage lecturer in a college. I left my job to take care of my kids. Now I came to know that my fellow colleagues have all been ranked permanent by the government. My kids are now school going and I feel very depressed at home although I have a loving husband who earns well masha-Allah. Sometimes I regret leaving my job. I feel stressed and awful. Kindly I need good advice.