Business and Dealings

Takaful

Q: EFU is offering takaful insurance. Kindly let us know is it Haraam or halaal as we are very confused about the takaful policy.

Carpenter not completing the job

Q: Few months back I had got services of carpenter for my home new kitchen. I said to him please make the kitchen with well finishing and I asked him the rate he wants. When kitchen was finalized it was not well furnished and had many technical issues and when I said to him it is not up to the mark and then he without informing me left the house. I had already gave him maximum amount and only PKR. 10,000 was left with me. Now after few months, he is approaching other person who talked with me for giving him 10,000 left amount. My question is: What Islam guides us in this matter. May I give him rest of amount as my kitchen work he didn't do what he said? Please help me and guide me.

Car allowance

Q: I am working in a company as an engineer and as per my designation car is allowed for my traveling but my company does not have a car infact they pay me money to hire a rent car for my visit. My question is that if I don't use a rent car and claim rent car bill, will it be halaal or haram. For example, I have to travel from city A to B. I travel it through train which is cheaper but to the company I claim rent for car because as per my designation car is allowed to me for my ease. But I want to save some money so I rather use some cheap transport method and claim rent for car. Kindly also note the this is the environment of my company. All my colleagues do this and if I don't do this, they will whisper against me to the higher management and I have a chance to lose job. Even if I travel by train or some other transport and want to tell this to my company then my colleagues will become angry with me and will speak against me. So kindly answer me keeping in mind my both scenarios. One is that as per my designation, car is allowed to me for my ease and second, the environment of my office.

Developing software for a bank

Q: I am a software developer. My company gave me a task that I have to make an application where I will check that a person is eligible for bank loan or not. In the whole developing process, there is no any entry of interest. My task is only to check that is person eligible for the loan or not? As we know, bank loan process is interest based that is why I am asking this question. But the application that I will make only tells if that person is eligible or not.

Paying a higher amount of school fees when paying in instalments

Q: I have a query regarding the payment options of my son’s school fees. Please advise whether the following option is permissible:

Pay in full by the first Friday of February and receive a 5% discount. This amounts to R12 350 for the year instead of R13 000 if I have to split the fee over each school term or per month. The various payment plans are as follows:

1. As detailed above with 5% discount = R12 350 per annum

2. An amount of R3250 per school term = R13 000 per annum

3. An amount of R1300 per month for 10 months (Jan-Oct) = R13 000 per annum