Business and Dealings

Delivering haraam food for Uber eats

Q: I want to start working for Uber Eats as a delivery driver, but I am afraid that some of the orders may be for haraam food. One of my friends told me that I will be able to view the orders on my phone. In this way, I will be able to view all the items in the order and can then ensure that I only accept to deliver orders that are for halaal food. If this is true, can I take the job?

Is credit guarantee (CGIC) permissible in Islam?

Q: In business, we sometimes suffer great losses when our debtors fail to pay us. To secure ourselves against these losses, we take out credit guarantee (CGIC).

How it works is that I tell CGIC, for example, that the general amount of money owed to me by my debtors at any given point is approximately R40 million. They will then provide me with credit cover and charge me 0.6% p/month of R40 million. When any of my debtors fails to pay me, then as soon as 90 days pass, I issue a letter of demand to the debtor and also inform CGIC. If the debt is not settled by 120 days, CGIC takes over the debt and tries to get the money from the debtor through legal means, etc. They then pay me 70-75% of the debt amount.

Because CGIC is a form of insurance, they also charge an excess i.e. they will not cover the first claim up to R200 000 per annum.

Is credit guarantee (CGIC) permissible in Islam?

Disposing of interest money

Q: I asked the bank to change my account from profit and loss to current account and stop sending profit to me. They told me that they cannot and told me to make a new account, which I cannot do due some reasons. It is okay if I give the interest money to poor people?

What should be done with extra money collected by the cashiers?

Q: I am working as an accountant in a private company. I deal with the bank and cash received from customers and also make payements for the company. Somtimes when I calculate cash at closing time, it goes in excess. Can I use this cash for my personal use or not? One point I want to clear is that I am working on software and I cannot put back in software.

Cancelling a partnership

Q: 20 years ago, Mr. Zaid invested Rs. 50 lakh in a business. All the items were purchased from his money and it was decided that he would get 25% of the profit. The other partner agreed on working in the store. Mr. Zaid also kept on visiting the store until he got sick 5 years back. Now if he wants to end the business with mutual agreement, will he get Rs. 50 lakh? Or since the value of the money has increased alot, he will get extra benefit?

Paying off a loan after one's creditor passes away

Q: I was given money for five years investment by one of my friends but there was no written agreement. It was only verbally discussed. Now my friend passed away and he is unmarried. His family are all well off and they don't even know about this matter. I can't pay before five years but I can pay this amount in monthly installments. Can you guide me on what should I do?

Appling for a job that requires medical screening

Q: I would like to ask that in armed forces screening or any other such sort of job where they need to screen you thoroughly, there is a medical stage screening where they fully uncover the applicant and the senior doctor checks him for any ailments or shortcomings that might deem him unfit. The question arise that doing such sort of uncovering of full body to a medical doctor will be permissible in shariat or not. If it is not permissible then who is sinful. Both?