Business and Dealings

Referring clients to parties offering "bridging finance"

Q: I am an Attorney specialising in conveyancing. 

As part of the process, certain debts need to be paid by sellers before transfer is taken and the money is paid for them. 

Hence there is a service by third parties called bridging finance. They essentially give a seller a loan against the impending purchase price coming in. This service is probably a riba based model. 

I only refer non-Muslim clients to them. For that referral, the third party offers me a referral fee. Is that referral fee halaal for me ?

Working at a cider mill

Q: I would like to work at a cider mill near my home. They produce apple cider, and the majority of their products contain alcohol. Only two of their products, which consist of pure apple juice, are halal. 

Since I study Process Engineering, I would like to work there because the work is related to my field of study, and the experience I gain there could be very beneficial for my future. I also live close to the factory. 

Please take into consideration that I live in Germany, where it is not easy to find a company in which all processes are 100% halal. The cider mill is also part of a large corporate group that mainly offers drinking water and fruit juices. 

Would I be allowed to work there part-time?

Husband asking for the mahr back after divorce

Q: Can you please advise me on the following matter: 

A divorce took place approximately 13 years ago. The husband (and his family) are now requesting return of the gold coin which was given to the girl as her mehr when they performed the nikaah. However, in 2021 the house was burgled and the coin together with all other valuables were stolen. 

Questions: 

1. Is the girl now obliged to return the coin if it is in her possession? 

2. Considering that the gold coin has been stolen, is the girl under an obligation to recompense her ex-husband the value of the coin? 

3. If compensation is what she must do, then which value must this compensation be determined, i.e. at current value or the value 14 years ago?

Helping one's wife pay an interest bearing loan

Q: Before our marriage, my wife financed a car with an interest-bearing loan. I am not on the loan or title and had no involvement in the original contract. After marriage, I voluntarily began making the monthly payments. About $15,000 remains. 

Recently, I became concerned that making these payments may involve me in riba, so I offered to pay the entire balance immediately. My wife asked me to continue the regular payments for two more months because of a pending diminished-value insurance claim. I made one more monthly payment, despite being financially able to pay off the loan. 

My questions are: 

Am I sinful or considered the “payer of riba” mentioned in the hadith because I make payments on my wife's interest-bearing loan, even though I am not the borrower or owner? Was I sinful for making another monthly payment after I was able and willing to pay off the loan in full?

One's supplier delivering directly to the customer without one taking possession

Q: I want to ask is drop shipping permissible or not? Let me explain the workflow. 

When a customer places an order, I contact the supplier to say that a customer has placed a specific order. The supplier then charges me the cost of that product from my bank account and then delivers it to the customer. So in that way, is it permissible or not?

Accepting a gift or working for someone whose income is haraam

Q: 

1. If all of a person's income is haraam, can you accept a gift of dawat from such a person (i.e. you are sure that he has no halaal wealth or income)? 

2. Can you work for such a person? The work you are doing for him is of a halaal nature, but he is going to pay you your salary from haraam money. 

3. If such a wishes to purchase something from you and you are certain that the money he is paying with haraam money, will it be permissible to sell to him? 

4. Will there be any difference in the ruling if the person (whose income is haraam) is a non-Muslim?

Receiving gifts from a person who works in the bank

Q: I would like advice regarding the following: 

My father works in the bank and it's his only source of income. After finding out that interest is war with Allah Ta'ala, I decided to find a job and move out. 

My question is, now that I have a job and moved out, all the stuff that were bought for me by my father what do I do with it? Do I give it away or can I still use it? My clothing, I have tools my father bought and basically everything I have is from my father, what do I do?