Business and Dealings

Q: Earning halaal wealth using a laptop that was bought with haraam money. If haraam, does the profit money need to be given to that right owner?

Q: I work in a retail store. The owners intentionally mark up products by 50% because they expect customers to negotiate and ask for discounts. The actual intended markup is 20%. 

One day, a customer approached me about a product that had the 50% markup. I knew I had the authority to reduce the price down to the 20% markup. The customer said that if I gave him a discount, he would give me some money personally. I agreed, gave him the discount, and he gave me the money.

Q: Can I use medical insurance provided to me by the company that I'm working as an employee for my purpose ?

Q: Some stores mark products at a certain price but round of the amount, for example, the item is marked at R12.99 or R12.95. They then round of the amount and sell the product at R13. There's no question of change. Is this permissible?

Q: My question relates to interest which was obtained unknowingly from my medical aids savings account. Can I use this money to pay it into my bond which generates a monthly interest fee.

Q: I humbly request your guidance and a detailed, evidence-based response regarding the following scenario: 

Our business sells pharmaceutical machines and occasionally encounters defective units. When a unit is defective, we explicitly inform potential buyers of the defect, share photos of it, and sell the machine at a discounted price. Despite being made aware of the defect, some clients later refuse to pay, citing the defect as the cause. Additionally, we sell various other electronic items through our online store. 

In light of this, we request clarification on the following points: 

1. Seller’s Obligation to Accept Returns: If the buyer refuses to pay or wants to return the machine on the basis of a disclosed defect, is the seller Islamically obliged to accept the return and refund the buyer? 

2. Application of Khiyar-ur-Ruyah: Does khiyar-ur-ruyah (the option to inspect goods before finalizing a sale) apply to pharmaceutical machines sold with clearly disclosed defects? 

3. Khiyar-ur-Ruyah in Online Sales: Does khiyar-ur-ruyah generally extend to products purchased online, where the buyer may only see images rather than physically inspecting the item prior to purchase? 

Q: Please could you advise me on this matter: 

I have a friend who wants to study actuarial sciences and I have heard that it is impermissible to go into this field.

Could Moulana explain whether it is impermissible or not and why? How should I advise my friend?

Q: My brother sells Christmas trees, Christmas related products on which happy Christmas is written and he paid my education fee. 

Will my income be halaal if i use the knowledge as a job or business that I get from my education and can I live in his house that he made from this money? 

Also, he gave me a laptop that he bought from that money and I work on the laptop as a freelancer. I use the Internet on this laptop and he also pays the bill of this Internet from that money. Will my income be halaal that I make from that money?

Q: I am a single mother (not divorced) living with my parents. I do not pay rent or utility bills, but I manage all other expenses for myself and my baby, including food, clothes, diapers, milk, etc. 

The baby’s father sends a small amount (around 20,000 PKR) monthly — sometimes not even that. 

I work from home and earn about 1.5 lakh PKR per month by helping university students write their assignments, reports, and research papers. I use tools like ChatGPT to generate answers and then rephrase the content using other software. I work very hard and honestly, but now I’m very worried: Is this income halal or haram in Islam? 

I want to raise my son as a Hafiz-e-Quran and a good Muslim. I don’t want to feed him with haram money, but this is the only source of income I have right now. I am very stressed and confused. Please guide me according to Islamic teachings.

Q: Is it permissible to finance a car or a house through Islamic bank if the period of payment is fixed (e.g. 5 years) but amount of payment is fixed only for 12 months after which it is reviewed and adjusted for inflation?