Business and Dealings

Disposing of interest money accumulated by a body corporate

Q: I would like to query the issue below:

I am part of a body corporate of a complex based. The body corporate has been in place for about +/- 12 years and it has been run by the Muslim men of the complex. The complex comprises of various owners, Muslim and non-Muslim.

We have recently moved our banking over to FNB Islamic banking. Prior to this, we have accumulated an amount of +/- R22 000 interest money which we had kept aside after the move to Islamic banking. The body corporate is non-profit and we only act in the best interest and upkeep of the complex.

We as the body corporate would like to query if it is permissible or not to use this interest money as this money belongs to the complex which comprises of Muslim and non Muslim owners. We as the body corporate are held liable for the money of the complex.

The investment account which the interest was accumulated from was only opened as this is a law according to the CSOS act which is government regulated.

Please advise the correct manner/s in which this interest money should be dealt as we would like to make the correct decision going forward.

Four people staying in a room which was booked for two people

Q: I stayed with friends at a rented accomodation where in the agreement, only 2 people are allowed to stay each night for around 100$ per night. However, we lied to the owner and agreed that only 2 people will stay while actually 4 people stayed. We didnt think this was wrong since we would only use the accomodation for sleeping and wanted to save money. So technically we broke the agreement and cheated the owner.

What is the best way to fix this as we are afraid that in the akhirah, we will be punished, since we used his property not according to the agreement. If we reach out to him, he may take action against us so we are afraid. Could we pay him the money for the 2 extra people (we assume it will be 50$ per night per person) and give it to him anonymously? Or can we just donate this amount to chairty because we are afraid to tell him.

Receiving cash back or discounts when purchasing with a credit card

Q:

1. When purchasing goods via a credit card, I received 1 rupee on every purchase of 200 rupees. Is this permissible or not?

2. Different offers are available on credit card and easy paisa accounts everyday. If we purchase and make some payments and order some food via the credit card and easy paisa account, then we will receive a special discount or cash back. Is this permissible or not?

If this is "sood" then what is best use of this amount.

Insurance, medical aid and using banks in Western countries

Q:

1. Are all forms of insurance haraam in the west? If a person doesn’t have car insurance in a western country and they have an accident, they have to pay $10,000 to cover the costs of not only their own vehicle but the other vehicle if it is their fault? Where can a Muslim who doesn’t have insurance, get all that money from?

2. Is medical/dental insurance haraam in the west? There are Muslims in the west that live with their elderly parents and they always have to go to hospital and if they didn’t have medical insurance, they would have to pay so much thousands of dollars of money that they simply wouldn’t have it. Where would they go to get their medical treatment. Would they do nothing?

3. Many people say that when you earn money in the west and go to banks to withdraw that money, that money is interest money which the bank runs on so you can’t do anything?

Paying back a loan in a different currency

Q: I gave a loan of 200 dollars to my friend a few years ago. I had these dollars from my aunt who gave them to me to deposit in my bank account. Now my friend is returning the amount to me but there is an issue, at that time it was equal to 105 Pakistani rupees per dollar... now it is 141 Pakistani rupees per dollar. 

At what rate should he return this amount to me? If I take it at 141 rupees, he will have to pay extra (from 105/$ to 141/$) to make it equal to 200 dollars and if I take money it at the rate of 105 per dollar I will get a lesser amount. Kindly guide me what to do.

Buying and selling plot files

Q: I want to ask if it is allowed to sell and purchase plot files? The housing society is still underdevelopment and possession of plots is not given to file holders.

(The file is a document issued by a housing scheme developer, against which one can claim a piece of land/plot once development is done, and possession started by the developer)

Studying graphic design

Q: I am a student and I want to make a career in graphic designing. Is it permissable? I have searched it on the internet and some say that it is haram to draw any living thing and some are saying that you are drawing without the intention of being equal to Allah. Some are saying it is not a real image, it is just a graphic in the form of rays on your screen. I am extremely confused.