Business and Dealings

Q: I am a software engineer, currently working in a software house, I wanted to switch my job and later on I got a job in a very nice & reputable company. But they worked for banks, basically they are a banking solution provider, I know this thing from the very first day, but due to the lack of my knowledge, I was assuming that working in banks is impermissible and as I will not be going to work in a bank that's why I didn't bother. But when I got the offer letter, I did Istakhara. I did not see anything in my dream or I didn't get the clear picture of what I should do, then I searched on the Internet that what Islam says regarding this issue. I've found in many places that its forbidden to work
for bank or work for such companies who gain their profits from banks, so I refused.

I wanted to know that is it allowed in Islam to work for such companies that help banks? Keeping this in mind that I didn't know at the time of refusal that what kind of software they were requiring me to make.

Q: Is it jaaiz to sell haraam chocolate in a grocery shop?

Q: An Indian website is giving money as mobile recharge in exchange of using that website to send SMS in India. We have to sign up on the website and become a member. When a member sends an SMS to any contact number, he gets 2 paisa. Like this, the more one sends SMS, the more money one earns. We can send only 50 SMS per day, means we can earn only 1 rupee as mobile recharge. When a member has earned 10 rupees at least, the he becomes able to recharge his mobile SIM Card. The member can send this money to any mobile number via website. I used this website and made two accounts with different mobile numbers. Now I send 50 SMS from my one accounts to another and earn money as mobile recharge. Please tell me if my earnings are Halal? Is using this website Haram? Or if there is any condition to use such website for earning money, then describe please. 

Q: To encourage consumers to fill out a survey, we offered entry into a cash prize draw as an incentive if you complete the survey. 5 respondents will each win a certain amount of money. After capturing the respondents details, my systems crashed and I lost all the data, I tried everything I could and there is no way of retrieving that data. What do I do ? I have no way of knowing who completed the survey, so how do I choose five winners. Is this form of incentive permissible?

Q: If clothes were stolen from a store and now someone wants to repent from this, how does one pay back the store?
If the owner was not known at that time and don't know if the owner is still there, then what action does one take?

Q: In the place where I live, majority of the time when I posted parcels in and around the country without insuring it, the parcel hadn't reached. However everytime I insured the parcel it reached. Is the insuring permissible in this case.

Q: Is it necessary to stipulate a termination date in an employment contract? 

Q: I would like to know if it is permissible to have a type of funeral cover, in the area I live there is a type of funeral cover that you can join at the Mosque near to you. E.g. You pay an amount of R20.00 every month so in the case you pass away then your hole at the graveyard will be paid for & any other like transporting you to graveyard, etc. But what if you pass away after 6 months & the amount you paid them is not even half the costs of your burial, etc. & if you were paying for long time already now & you are still alive then you would have paid much more then what it would actually cost to do your janaazah. Please give a detail explanation if it is permissible in Islam to have something like this & why?

Q: There are many muslims turning to shariah compliant banks.

1. What is your view on using these kind of banks for buying or building a house? Would I be allowed to buy a house for my family using this service?
2. I have some money that I would like to invest in using their investment fund. Will this be permissible? They call the percentage they put in profit not interest. I want to make sure.