Interest and Gambling

Q: To encourage consumers to fill out a survey, we offered entry into a cash prize draw as an incentive if you complete the survey. 5 respondents will each win a certain amount of money. After capturing the respondents details, my systems crashed and I lost all the data, I tried everything I could and there is no way of retrieving that data. What do I do ? I have no way of knowing who completed the survey, so how do I choose five winners. Is this form of incentive permissible?

Q: In the place where I live, majority of the time when I posted parcels in and around the country without insuring it, the parcel hadn't reached. However everytime I insured the parcel it reached. Is the insuring permissible in this case.

Q: I would like to know if it is permissible to have a type of funeral cover, in the area I live there is a type of funeral cover that you can join at the Mosque near to you. E.g. You pay an amount of R20.00 every month so in the case you pass away then your hole at the graveyard will be paid for & any other like transporting you to graveyard, etc. But what if you pass away after 6 months & the amount you paid them is not even half the costs of your burial, etc. & if you were paying for long time already now & you are still alive then you would have paid much more then what it would actually cost to do your janaazah. Please give a detail explanation if it is permissible in Islam to have something like this & why?

س: ما الحكم الشرعي في الحالات التالية:

الحالة الأولى: عند الزبير توجد الآلة الكهربائية يحتاج إليها، و لكن آلته الكهربائية قد فسدت، و الزبير يريد تصحيحها؛ الزيد عنده مصنع خاص لتصحيح الآلات الكهربائية التي قد فسدت، و الزيد يقول للزبير أن عليه أن يدفع مئة دولار إذا كان يريد تصحيح هذه الآلة؛ و لكن الزبير ليس عنده إمكان لدفع مئة دولار مباشرة، لأنه لا يملك مئة دولار؛ و فيصل يقول للزبير: "أنا أعطيك مئة دولار، و لكن عليك أن يرجع لي مئة و عشرون دولار - مئة دولار إرجاعا للدين، و عشرون دولار أجرة و ربحا لي بسبب المساعدة لك في إزالة مشكلتك." (و إرجاع النقود أثناء عشر أشهر بأقسام متساوية بإثنى عشر دولار كل شهر) و الزبير رضي على هذه الشروط. هل في شروط فيصل يوجد الربا؟

الحالة الثانية: نفس الحالة، و لكن فيصل قد دفع مئة دولار مباشرة للزيد، و بعد ذلك ألزم على الزبير أن يرجع له مئة و عشرون دولار بأقسام متساوية أثناء عشر أشهر بإثنى عشر دولار كل شهر - مئة دولار إرجاعا للدين و عشرون دولار أجرة و ربحا بسبب مساعدته للزبير في إزالة مشكلته. (يعني في الحالة الأولى فيصل قد أعطى النقود للزبير نفسه، و لكن في الحالة الثانية أعطى النقود للزيد لا للزبير) و الزبير رضي على هذه الشروط. هل في شروط فيصل يوجد الربا؟ 

Q: Please advise me on Medical Insurance, in todays expensive world it very difficult for the people in middle class to afford such huge amount of expenses towards health care.

Q: I have a bank account. The monthly service fee is R169. There is an option, if a balance of R10 000  is maintained for everyday of the month they will give me a rebate in return depending on the balance. e.g. If the balance is R40 000,the rebate is R65. Will it be permissible to take this option? I am asking because I see it as a way of paying less bank charges.

Q: In the U.K., the Government runs the National Savings and Investments Premium Bonds and encourages citizens to purchase Premium Bonds. Instead of paying interest, monthly prize draws are held and cash prizes can be won. The scheme is backed by HM Treasury and one can be confident that all the money invested in Premium Bonds is 100% secure whether or not one wins a prize.  One can cash the Bonds at any time at get the money invested back. I would like to know whether it is permissible to purchase these Premium Bonds and can any cash prizes won be deemed halaal?

Q: Is eBucks offered by the FNB bank related to intrest and if so is it permissable to make use of eBucks?

Q: I am a 36 year old man who was born and lived in India for 20 years and moved to North America now. I am married and have 2 children. Now I am thinking about buying a home on bank loan and of course there will be interest involved. Will this stop me performing Hajj? We (wife & I) did our Umra last year (2012) Allhumdulillah.

Q: Can interest money be used to pay exorbitant rates on your property? Or can they be used to pay high bank charges? Can they also be used to pay tax or toll road charges?