Marital problems

Q: I have been married for couple of years now and ever since my marriage my husband keeps talking bad about my family and how he did not get anything as dowry from my family. I have stayed with him for 1 year after marriage since he is unable to provide me visa in order to stay together. His job is not giving him visa so he buys business visa for himself and the only reason he is sticking to his job is because it's easy where he does not have to work. The one year I stayed was when I found a job on my own. I want to your advise please since am not sure what to do. My husband does not make any effort in keeping us together, does not like my family, takes help from them but talks bad behind, he uses bad language with me, tells me I am not fit to be a wife, does not like the food I prepare, and asks me to stay in his father's house since I am married to that house. He married me thinking my family is from US and thought he will get everything and it is not necessary to work. Now I have a baby as well and he does not show any interest in keeping us together. All the time he cries about how he has no money and has to send to his family and how we have become an expense on him. I keep thinking why am I with such a person who does not like any of my qualities. I want to divorce him but worried about my child. Please advise is this the right ground to take a divorce or should I keep trying.

Helping someone set up a business

Q: Please assist help me understand the concept of helping someone to set up a business.

Scenario A:

Person A helps person B by lending the person R 10 000 for a business. Person A wants R 15 000 after 3 years (R 10 000 as capital and R 5 000 as profit). This is purely money lent to another person. Is this ribah?

Scenario B:

Person A buys a business for R 10 000 person B and then Person B pays off the R 10 000 (capital) + R 5000 (Profit) over 3 years. A business is bought and sold back to Person A. Is this Halaal?

Performing Asr Salaah before azaan

Q: I want to ask that I live in Karachi and the asar time in my city starts from 3.27pm and the adhan for prayer is being called off by 4.15pm but I am a student. I have to go to coaching to take my classes and my class starts from 4.15 to 5.00 and there is a 5 minute break but in that 5 minute break there is such a rush of people so I am not able to pray my Asr Salaah and the next class begins from 5 - 5.45 but at 5.45 it is time for Maghrib. Can I pray before adhan is called?

Taking a student loan

Q: I would like to know that my child needs to go college next year but I would not be able to put up with all the cost because I have other children which go to private Islamic school. So I need to pay for their fees so is it allowed to get a student loan for the college child?

Is zakaat obligatory if one is in overdraft

Q: I am married with a three month old son. My wife and I both work. We live in a very modest lifestyle and Alhamdulliah just about manage to afford our essentials every month (rent, food, electricity, etc). However, once all the expenses are paid, our bank account is in an overdraft. We have been living in a bank overdraft for almost a year now and are trying our best to get out of it due to Allah's ruling on interest. Is Zakaah still obligatory on us? If yes, how do I calculate a percentage on a negative bank balance?

Installing refrigeration systems

Q: I have applied for a job at a company that installs industrial refrigeration systems (cold rooms, cooling for warehouses, etc.). My job would entail designing the system as well as overseeing the installation and repairs on site. I have found out that the clients include breweries as well as companies that would stock haraam meat products (certain fast food franchises and supermarkets). Based on the above please could Mufti Saab advise as follows: 1. Will it be permissible for me to take on such employment, or will it fall under the category of assisting in sin? 2. If the answer to the above is 'impermissible', will the ruling change if I am granted exclusion from working on the cold room that would store alcohol and other haraam products? 3. Any other info that Mufti Saab would feel relevant, as I would not always know what the cold room would be used for. Jazakallah for your time and effort, and please do remember us in your duas.

The coming out of discharge

Q: When I was at school I had some dirty sexual thoughts during the day and I was not sure if discharge had came out or not but when I got home I noticed only a tiny bit of discharge on my underwear, but when I used the bathroom and washed there was a lot of discharge. Am I napaak? If I don't do ghusul right away will everything in my use become napaak?