Business and Dealings

Q: Zaid has invested Bakr’s money in one ABC Group of Companies. ABC Group has given Zaid commission on Bakr's investment. ABC Group has provided Zaid with the title of Sales and Marketing agent where his work is to just convince & collect investment from people for ABC Group. ABC Group does not pay any salary to Zaid but pays commission on the amount of investment collected per month from people. ABC Group has appointed thousands of Sales and Marketing agents/executives like Zaid to collect investment. These Agents have no record or idea of amount of investment being dumped in ABC Group. On contrary if any agent questions this to ABC Group he is terminated from his position. Their work is to spread the word given by ABC Group without questioning on public or private forum. ABC Group has formed no. of different Companies under its umbrella and shows some physical assets & its operation to agents and investors. But when we check the Audit report & Balance sheet of these companies from related Government Department we clearly find that paid up capital is almost nothing against the amount being collected. We find that profit & loss statements are false & not even equal 1% of profit what is actually being distributed to investors. Zaid & Bakr have no clarification for this.

Further to convince and attract more and more investors ABC group is occasionally inviting such non-Muslims film actors and actress who are famous for their vulgarity in Movies and TV Serials. Agents and investors both know it very well.

Question:

1. The commission amount what Zaid & other agents/executive gets from ABC Group is Halaal or Haram?

2. The profit amount what investors are getting from ABC Group is Halaal or Haraam?

Q: I have taken/borrowed some money from a shop as I do not have enough money. I told the shopkeeper that I will give you the remaining amount next time I come, so he agreed and he further reminded me to pay otherwise on dooms day Allah will ask me about it. I didn't give him the remaining amount but now few months later I visited his shop to pay the remaining amount but the shop has been closed. When I asked about him from some of his neighbour's shops, they told me that he has closed his shop from here. I want to pay him his remaining amount. Can you guide me what I have to do?

Q: Please tell me if bank job is halaal in Islam or it is prohibited in Islam because I am working in a bank department but my conscience is not satisfied so please guide me.

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 there any permission to collect empty bottles of wine to sell to bottle factory (which collects all type of bottles = not only wine bottles)?

Q: Is it permissible for any person living in a non Muslim country to do a job in a department of police.

Q: I want to ask a question about qarz. Once when I was younger like 10 years old, I asked my friend for some money and he gave it but today I heard if you don't pay back the money, you are in trouble with Allah Ta'ala and are going to get punished after death but I am pretty sure that friend said he doesn't need the money and I don't have to repay him because he's my friend so do I still have to pay him his money back? It was like 1 pound only.

Q: I am living in a GCC country for the past 20 years. I didnt have enough understanding with ribaa and was having bank loans and credit cards. In early 2008 I performed hajj and made alot of tobah with ribaa and after that I had chances but didnt take it anymore. Later my business got collapsed I got bankrupt and I couldnt repay bank loans. Since that time i owe banks money And my full intention was to repay the money somehow but I got total loss and now I am just jobless for around 2 years now in dire constraints completely. I want to ask you that if I leave the country without paying back the loans what I have trying hardest for the last 7/8 years...and there is no way to return and I am getting worse situation. Will I be held responsible or is it gonna be sin if I leave without paying as per my financial situation.

Q: I am self employed and selling biscuits and soft drinks to the retail shops. Some shops are off licenses as well. Is it permissible to do business with these shops. I do only soft drinks.