Business and Dealings

Interest money

Q: I want to apply to study in Canada and for this purpose I need a GIC certificate. A GIC is an account which I will open in a Canadian bank to show that I can bear their living expenses. When I go to Canada, they will refund me my funds within a given period of time along with interest. As a Muslim, interest is completely prohibited in Islam. What should I do?

Not paying tax

Q: I have a trading firm in which we do billing for the government sectors for their purchases. We charge 1% for the work. Suppose if a person wants billing for 100000 then we charge 1000, which is insufficient for our firm. These people never pay us more than 1%. Most of the people do not even pay this 1%. Despite this, they give us 17% which we have to pay to the government as tax amount.

Because we cannot fulfill our expenses in that 1% which most of the people dont even pay, we utilize this 17% and dont pay to the government and provide the clients with fake receipts upon which there is no check and balance. So by doing this we get 17000 from 100000 billing. The clients just want the receipts and they have no problem whether we pay their tax to government or not. They just take the fake receipts and go. Every trader who runs firms like this, dont pay the tax and consume it. Even the clients think that these traders dont pay the tax but they have no problem with this.

Now I want to ask you that if we do not pay this tax amount and we provide people with fake receipts, is my earning totally haram? I have no other business option apart from this. We lie to customes also that your tax is paid by giving them the fake receipts. My heart is not satisfied from this earning but I dont have any other business option. Kindly guide me what should i do? Can i continue like this because everybody else who is running this business do the exact same thing. Clients dont give the commission and thats why we consume the tax amount as our earning. 

Salesman giving a discount

Q: Some salesmen don't accept small change when we make a purchase. Example, I purchased a water bottle for 11 AED and I had 10 AED with me. I gave it to him and said that I will give the 1 AED later. He said ok and the next time when I gave him he said, "Its ok leave it". He is not the owner of the shop. He told me that since its a large industry, 1 AED doesn't matter.

In the college library there is a rule that if a person failed to return a book within a certain time limit, he had to pay a fine of 1 Rupee per day till the book was returned. I returned the book 2 days late and told them that I am late. They told me not to repeat it next time. They did not take the 2 Rupees from me. It was a librarian and not the owner of the college or library who told me that.

Online advertising

Q: Please clarify the following for me:

Generally, companies run through advertising and it thus plays a major part of many businesses. Therefore:

1. Some people specialise in doing the marketing/advertising for the company and get paid for their services.

2. Some people with computer abilities upload such ads on websites and get paid by the companies.

Are these types of jobs impermissible? If so, will magazines, radio stations etc. charging people for advertising also be impermissible?

Selling a book that one got for free

Q: Am I allowed to sell a book I got for free?

I ordered a secondhand book online for a class I'm taking. It arrived very quick, and it looked completely new, not secondhand at all, but I no longer needed it as I had already bought the ebook. I put the book for sale online. What I usually do is sell it for 2x or 3x the price I paid, but still cheaper than the retail price. But then, a few days later, I got another copy of the book in the mail, and this one looked more like a secondhand book with highlights and stuff. I thought maybe the company made a mistake and sent me 2 copies, but I just remembered, about a month ago, I had filled out a form on the book company website pretending to be a teacher to see if I could get the book for free. I have done these before, and they never work, so I was just doing it for fun. My answers were absurd, with a fake name, institution, etc, and I thought it would eventually take me to a page with more security where I would have to provide proof of identification, but the form suddenly ended and it was submitted. I had completely forgotten about it, and there were no updates in my email about the book, whether my request was approved or whether the book was shipped. I still have a feeling that this company is likely the one who sent me the book. So, my question is, what do I do with the book? I didn't mean to get it like that, like I didn't think the form would work, but now that I have it, is it permissible to sell it?

Taking advance rent before renting out an apartment

Q: I am going to rent my apartment. Someone handling the property told me that the tenant will give 2 months advance rent and security deposit.

1. Is it permissible to take the rent of one or two months in advance?

2. Is it permissible to take a security deposit?

3. Is it permissible to rent my apartment through this man or I should do the deal myself?

4. I have never seen the apartment, possession is not yet given to me, but I have paid the full amount during construction. Is all this fine?