Interest and Gambling

Q: I did a survey and got 50 points and I took 1 point to join a competition. So if I win I will get prize, is that halaal? Many will participate but only few will be winners and the losers will get nothing.

Q: Can you please explain to me in simple words what is Riba?

Q: Many Muslim organisations have fundraising dinners. The people attending these dinners pay a fee e.g. R300 per person. The names of all the attendees are entered into a draw. After enjoying the dinner, the names are drawn, and the winners of the draw are given prizes e.g. umrah ticket, etc. Is this permissible?

Q: I am trying my best not to apply for a student loan but keeping up with my payments has become so difficult and it has come to a point where sometimes we don’t have food to eat because a big chunk is going out for university payments. I need to finish my degree for my kids future.

Can I take out a student loan involving interest but pay it back ASAP? Please advice as our situation is taking a toll on my health.

Q: Are we as transporters permitted to take insurance to cover goods in transit?

Q:

1. Will it be permissible if one purchases a car by applying to the bank by depositing a certain amount of money and handing over through a negotiation of repayment of an amount financed by the bank including interest in a fixed instalments?

2. Will it be treated same as the fatwa under "paying in instalments" in the English version of "Malfoozat of Faqeeh ul Ummat" compiled by Mufti Farooq Meeruti published by Madrasah Taleemuddeen.

Q: What do we do with interest money? Can we pay our helper at home in the form of wages? 

Q: In the past, I have earned and used eBucks for car hire and purchasing plane tickets. Recently, I read that eBucks is impermissible. What can I do to compensate for the eBucks that I used in the past? Also, how I can correctly dispose of the eBucks earned thus far as I cannot get the cash to give it away with the intention of no thawaab?

Q: My father bought an agricultural land almost 19 years ago, measuring 110 acres. My father is an advocate by profession and at the time of purchasing the land, my father had some money earned by himself and took some money in the shape of a loan from the bank and bought the land. I have heard that taking a loan is completely haraam, so is the land haraam for us? How do we make it halaal?

Q: Is it permissible to pay a fixed monthly fee for a credit facility on a credit card? The fee is payable whether or not the credit facility is used. No interest will be incurred on the credit facility.