Business and Dealings

Q: I owe money to a person. In lieu of direct payment, I occasionally do some shopping on the creditor's behalf and thus reduce the amount I owe. What happens if I use my store benefit/loyalty points when shopping?

Example: total amount purchased R500. I used my loyalty point balance of R100 and total amount paid was R400. I occasionally also purchase items from this store for my personal use. Do I reduce the amount I owe by R500 or R400? In essence - who is entitled to the benefit/cash back reward from the store?

Q: It has become the habit with doctors that the time of the appointment made is hardly ever upheld. Despite an appointment having been made for a certain time, a patient is made to wait sometimes upto an hour longer. Is this correct? It creates much frustration and inconvenience. 

Q: I read in Behashti Zewar that it is not permissible for women to wear artificial rings.

1. Since I was unaware of this ruling, I already have many such rings that I used to wear. What should be done with those rings?

2. I have given rings as gifts to many women in the past and my jewellery business gave me profit from selling artificial rings. Will I be sinful for this? What should I do now?

Q: I live in Pakistan and my father is a govt servent. He is about to retire and at retirement the govt gives alot of money as provident fund. This money is actually a combination of 3 things.

1. It cuts from monthly salary for over 25 years.
2. Each month govt adds some amount to this monthly.
3. Bank adds up interest and that I also added to the amount

At retirenment all these amounts add up and given to the employee. So is it halal to do hajj with this money?

Q: If a person buys a property and the tenants are a betting company and old mutual, with a lease of two years, can the person buy the property with that kind of tenants? If yes, can he continue with the same tenants after two years?

Q: Can an unemployed man in debt take money from his employed wife to pay a debt without asking her permission, but having the full intention of replacing the money? Is that regarding as theft?

Q: Person A has a bond on his home (home loan). Person B has interest money. Can person B give this interest money to person A to pay off his bond.

Q: A few months ago, a technology company that makes and profits off smartphones and other devices (Apple) partnered with a US bank to offer a credit card.

The bank is responsible for all of the banking aspects, and the credit card is like any other one from a consumer perspective, offering cashbacks and rewards for certain purchases. However, these rewards are decided by the technology company, not the bank, such as discounts when purchasing that company's own products.

Given the the card is offered by a technology company, it's possible that the company pays for the difference instead of the bank. This would mean that unlike traditional cards, this one may not be paying for the discounts using interest earnings. Would using the benefits of this credit card be permissible?

Q: I am worried that I may have obtained some loans from different people. These loans may range from 1 rupee to 1000 rupees which is not much money. I do not remember if there are any loans on me or not. What do you say about this situation?

Q: Ali is buying something from Ahmed. Ali has 100 rupees and pays 100 rupees but the actual price is 105 rupees. Ahmed says, "okay, next time". Now, this is not much money. It is quite possible that both parties forget about this dealing. What will happen to Ali?

Will he be judged on the day of judgment?