Business and Dealings

Selling a product that is out of stock

Q: 

1. If a customer was to order something that the business didn't own (it wasn't in stock) and rather than paying full price on it, they agreed to put a deposit down and pay full price after the product was delivered to their house and it was fitted into their house (fitting is a separate service and a customer can order a product and request fitting it into their house or they can order a product with the fitting service together). 

Would the income be halal for this? The product will be delivered to the shop first and then the business will send the product to the customers house and fit it. 

2. If you tell a customer that the product isn't in stock and they have to order it in and if they do, they don’t have to pay full price, rather just a deposit and then when the product is delivered to their house or ready to collect from the businesses store, they can pay full price after that, is the income halal?

Verbally giving someone a gift

Q: If a person intends to gift a certain amount of money, around USD 100, to someone when he verbally made a certain statement saying that he has gifted USD 100 to the giftee with the intention of relinquishing his entire right of ownership, granting control to the giftee and spending money in whichever way she pleases on the amount of USD 100, but does not physically hand over the money to the person who is meant to be the giftee. 

Will such a process of gift be considered completed or not?

Recruiting a teacher to teach music

Q: If a female works for a recruitment company for schools (they provide teachers to schools) and these temporary teachers can be provided for any class such as music, English, business, maths (it’s not for a specific lesson). Is their income halal even if we know that they will be supplying teachers for a music lesson?

Purchasing items with U Count points and giving it in charity

Q: I have the following queries regarding the U Count rewards from Standard Bank. I do earn these points but do not use them as per your previous fataawa that I read on your website. 

My questions are as follows: 

1. Can I purchase items from the U Count participating retailers e.g. Makro and give these items to my helper who is a non-Muslim or any Muslim person or any Muslim organization e.g. a Muslim orphanage? 

2. Can I purchase items for me e.g. R1000.00 using the points and then take R1000 in cash and give it away to any Muslim, non-Muslim or any Muslim organization?

Taking an interest-bearing loan to study

Q: I have a great academic background and I want to continue my studies abroad. The country I am currently living in is Afghanistan, so my financial circumstances are not good and for continuing my studies I am not going to be able to pay for my education expenses. 

Can I get a loan and this loan has been accompanied by interest. Studying abroad is my dream and I can make my future through this. So can I get the loan?

Muslim business using adverts with Christmas decorations and selling Christmas items

Q: 

1. Is it permissible for a Muslim business owner to promote his business using adverts with Christmas decorations? 

2. Can a Muslim businessman sell Christmas lights, trees, decorations, etc.? 

3. What is the ruling regarding a person decorating his business with Christmas lights, Santa Clause etc.?