Interest and Gambling

Q: I am employed in the motor vehicle industry. Is it permissible to contribute towards a provident fund? The employer contributes 8% of the monthly salary, and 7,5% is deducted from my salary.

Q: In South Africa where government hospitals do not treat patients and private hospital fees are unaffordable, is it permissible to take out a medical aid/hospital plan for health reasons? The medical aid/hospital plan offers the following:

1. Unlimited private hospital cover.

2. Full specialist cover in hospital.

3. Monthly chronic medication.

2) Is it be permissible to take monetary compensation in places where the medical aid/hospital plan is not accepted?

Q: Is takaaful in South Africa permissible?

Q: I have taken out life cover to pay for estate duty and capital gains tax in my estate when I pass. I have been advised if the intention is to safeguard my wealth and my family from hardship this is permissible. please advise.

Q: Can I enter into a buy and sell agreement for my share of a business interest and fund this by way of a life policy. My family will not be able to run the business and it needs to be sold. Please advise on the possible solution, my partner will not have the cash to buy my share.

Q: Can a person use interest money to install an owl box and bat house on his property?

Q:

1. I have a very old debt of almost 15 years back that some of the places I have the debt with has written it off and some is still charging me interest. Am I liable to pay this interests?

2. And on the other hand a friend bought things on my account also 15 years ago and the place is still holding me accountable, however the person that bought the goods have passed away. Am I liable for this account?

Q: Can we use interest money to build toilets in our home or can we donate it (the interest money) to the musjid for building toilets?

Q: It has come to my attention that my father pays home and car insurance. Is it permissible to make use of a car that insurance is been paid on? e.g. to use the car to go for Salaah, to do necessary shopping etc. Is it permissible to live in a house that insurance is been paid for?