Business and Dealings

Q: A person gave me money in order to purchase some items for him from an online store. This online store has a 'Loyalty Programme' where one receives 'reward/loyalty' points in proportion to a fixed percentage of the total purchase price. I have now received these 'reward/loyalty points' in direct lieu of the purchase I made using his money. The 'reward/loyalty points' for this purchase amount to R450. These points are not exchangeable for cash. Furthermore, I only received these points after making payment; I could not use these points to receive a discount on his purchase. Since I used his money, am I entitled to these points? Or must I give him R450 in cash (as one cannot send/transfer points)?

Q: Is installment business halaal or haraam in Islam. Explaination: Company XYZ purchasing Product from Market in 1000 Rs. and Sell it on 2000 RS (double Rate) in 20 installments (100 Rs per day). One recory man is reserved for it for Recover Payment from Buyer Shops. (Recory man Salary is about 15000/month) But ON Cash Payment, Company Sale Same Product in (1500 RS). Is this type of business is halal or Haram in Islam.

Q: I am a graphic designer by profession. In my line of work, I have to prepare advertisements for my clients. The adverts have the pictures of the products which are on promotion. Invariably, some products that are advertised have pictures e.g. Milo – the picture of the tin has a picture of a youngster kicking a football. My clients will want the picture of the Milo tin on the advertising pamphlet. In the circumstances, will it be permissible for me to put the photographs of the products on the pamphlets which are solely used for advertising purposes?

Q: The gifts and money that people give in shadi belong to whom? The bride or her parents? Usually it is a practice in Pakistan that whatever money people give, they give it in the hands of the mother of bride, and she spends it on food and other expenses in shadi.

Q: Is it permissible to purchase an extended warranty?

Q: Is it permissible to purchase an item that comes with a warranty? One is not required to pay any separate amount for it.

Q: Is it permissible to buy appliances or other items that come with guarantees?

Q: Is it permissible to work in a Software house as a Software Engineer which provides IT services to a Bank?

Q: I live in a country (Saudi Arabia) where medical facilities are very expensive without insurance. My employer has provided me medical insurance but it is not from good company. Can I buy medical insurance myself? One Dr Consultation is 300 riyal where as medical insurance from best company for whole year is only 750 riyal and my salary is only 4000 riyal. And also I'm going through an illness from long time. Please guide.

Q: My cousin has done diploma in civil engineering. Recently he got a job in a bank, where his duty includes monitoring the construction, maintenance and repair of bank's buildings. Is his income halaal or haraam? Can I eat something he offers when I visit his place?