Fatawas - Dealings & Transactions

Fatawas - Dealings & Transactions

Dealings and Transactions
ID: 1851 | Date: 2023-08-29
Using Interest from Savings Account to Pay other Interest


Is it permissble to use the Interest accrued on savings accounts to pay off the Interest on other loans (student loan)? 

Basically using interest to pay off interest, in the essence, cancelling interest off. The student loan in question is interest bearing and was taken as a last option.

JazakAllah khair

Dealings and Transactions
ID: 1845 | Date: 2023-08-04

السلام علیکم و رحمۃ اللہ و برکاتہ 

محترم حضرات مفتیان کرام! 

 کیا فرماتے ہیں علمائے شریعت اس مسئلہ میں کہ گذشتہ سوال نمبر ایک ہزار چھ سو چوسٹھ ۱۶۶۴ (1664) کے متعلق سوال یہ تھا کہ کیا ڈاکٹر کے مسلمان ہونے اور غیر مسلم ہونے سے مسئلہ کے حکم میں کوئی فرق آئیگا یا نہیں؟

Dealings and Transactions
ID: 1837 | Date: 2023-05-16
Haram and halal

السلام علیکم

اگر میں نے کسی کو حرام مال قرض کے طور پر دیا اور اس نے حلال رقم سے قرض واپس کر دیا تو کیا وہ میرے لیے حلال ہو جائے گا؟

Dealings and Transactions
ID: 1834 | Date: 2023-04-30


nowadays drop shipping has become very famous, and I wanted to know if if drop shipping in Islam is permissible. The whole concept of drop shipping is that you do not sell anything that's yours so you don't have any product in stock but you order the product after you get paid. So will that be permissible to sell because you do not actually own the product. And also if it is not permissible to sell because you do not own the product. Can you advertise the product in such a way that the customer know that the product is not in stock after payment is received then the order will be made. 

Dealings and Transactions
ID: 1832 | Date: 2023-04-30

Is optional insurance coverages like comprehensive coverage rather than just liability insurance required by law for a car, optional home insurance or flood insurance are allowed in Islam?

Dealings and Transactions
ID: 1827 | Date: 2023-04-28
Divorce settlement

 Asslam alaikum,

My questions is in regards to distribution of wealth during a divorce. I’m asking this questions on behalf of a sister who is joint owner with her husband on their primary residence as well as a company that owns several rental properties. During the duration of the marriage the sister was involved full time in managing a separate business.  She never took a wage or an allowance for her work. She just did it considering it a family affair. They don’t have any kids and she is now seeking the divorce for personal reasons. 
Your guidance is highly appreciated. 

JazakAllah khair



Dealings and Transactions
ID: 1797 | Date: 2023-04-05
Retirement money invested to the Vanguard Target Retirement 2050 Fund (VFIFX)


My name is Obyedul working as a scientist at the Boise state university, USA. 

I have an obligatory retirement plan and that retirement money is being invested in Vanguard Target Retirement 2050 Fund (VFIFX) by the university. 

I don't know what types of business VFIFX deals with. so this point, is it permissible to allow this investment in this plan? 

zazak allah khairan 

Dealings and Transactions
ID: 1790 | Date: 2023-03-27
Wealth distribution after Father passed away


My father passed away and he had some savings and I would like to know how we divide that money accordingly to Islam.

Father married only once and my mother is Alive(alhumdulilah) and have 4 kids( 2 daughters and 2 sons).
My father left us some money and now we want to split amoung ourselfs.

Please help me is the best way of shariah.

Jazakallah khair. 

Dealings and Transactions
ID: 1786 | Date: 2023-03-24

Assalam alaikum wrw. I have a question can I a do gas station Job as a cashier and the gas station contains alcohol my work just scans the products and not touching the alcohol any product just scan with the scanner and take the cash right now I am jobless since a month please let me know if can I do this job or not 

Thank you 

Dealings and Transactions
ID: 1777 | Date: 2023-03-15
Warasat related question

Asalamo alaikum

Mera sawal warasat k baaray main hai. Meray 4 betay or aik beti hai. Meray 3 betay or 1 beti america main muqeem hai jubk mera bara beta danish karachi main hai. Mera aik flat hai karachi main jis main mera bara beta rehta hsi. Kuch dino pehly meray 3 betay or aik beti nay aik doosray ko gawah bna kar apni marzi say ye bayan diya k wo log apna hissa flat main Allah ki raza k liyay apni marzi say chortay hain or meray baray betay dsnish k hawalay krty hain.or na hi (maa ki ) zindagi main unko kuch chahyay is flat main say or na he (maa k ) marnay k baad.or ye flat baray bety danish k naam krskty hsin. Ab 1.5 months baad mera aik beta jo america main rehta hai wo badal gaya or mjh say(maa say)bolta hai k zindagi main to warasat ki taqseem hoti he nhi to is liyay warasat ki maafi bhi jaiz nahi (maa ki zindagi main). Wo to (maa k ) marnay k baad warasat apply hogi. To is liyay jo mery betay nay bayan diya tha apna hissa maaf krnay ka Allah ki raza k liyay wo ab us say mukur gya hai. Or kehta hai k agar zindagi main wo flat karachi walay bhetay danush k naam kiya gya to Allah k agay meri (yani maa ki) pakar hogi. Ab mera sawal ye hai k kiya us ka mukarna gawah bananay k baad apnay bayan say jaiz hsi??? Ya main porana wala bayan ko nazar msin rakhtay hoay wo flat karachi walay bety k nasm krskti hu?? Mery baki bacho ko koi etraz nhi hai bus aik beta aetraz kr rha hsi jb k pehly usi nay shuruwaat ki thi flat ka hissa chornay main Allah ki raza k liyay apni marzi say phir baki bacho nay maaf kiya tha. Please is ka reply jaldi btadain bhut larai jhagra create ho rha hai. Jazakallah




Dealings and Transactions
ID: 1776 | Date: 2023-03-15
Re: Shariah Compliant Estate Planning

Dear Shariah Board members,

It has been a goal of mine to offer legal services to the Muslim community in Chicago since I moved to Chicago in 2005 and took the Illinois Bar exam.

I respect the Muslim faith and the people who practice it. It would be an honor to help people with their Estate Plans to honor their religious beliefs in their documents and I have been learnign about how to do this, in part, from an article by Mr. Yaser Ali, Esq. an attorney in Tempe, AZ who published an article in the National Academy of Elder Law Attorneys (NAELA.org) in the NAELA Spring Journal of 2022. This can be downloded on the NAELA News + Journal sction of www.NAELA.org website.

There is also an event scheduled at the Greater North Shore Estate and Financial Planning Council on Zoom devoted to a presentation of Estate Planning with Religious Implications in Estate Planning, by Ms. Stacey E. Singer, Esq. an attorney who has served the Muslim community in Chicago. This will be taking place at 8:00 am on Wednesday, March 22nd. https://gnsefpc.org/event-4896292

My question: It is clear that I will need to have gujidance from Muslim Scholars of Shariah Law in order to properly advise my clients on their Estate Plans. Is there a way that I can request my client's Estate Plans be properly reveiwed for Shariah compliance? Is it sometinng that can be scheduled for counsel with my clients? I want to honor my client's desire to fully comply with their Muslim faith and would like to serve the community respectfully.

Best regards,

Jeff Story

2144 Ashland Ave.

Unit 2

Evanston, IL 60201

(773) 387-1001





Dealings and Transactions
ID: 1775 | Date: 2023-03-13
Get a car with leased option

Assalamu Alaikum wa Rahmatullah,

could you please let me know, is it okay to get a car with leased option from a car showroom?

Jazakum Allahu khairan.

Dealings and Transactions
ID: 1773 | Date: 2023-03-08
Working at a Car Rental Company

Assalam Alaykom,

Sheikh I am a college student working temporarily as an intern at a car rental company. I am afraid that me working there might be casuing ithm on me for two reasons:

the first is that the company sells insurance for renters and this insurance protects them from paying huge sums of money in case the car got damaged during the contract period (otherwise they pay sums that exceed the cost of the damage), is it haram if my job includes selling insurance policies to customers? Also is it haram if my job includes recording damage and then indirectly be involved in making the customer pay excessive reparations in case they did not pay for insurance? 

the second reason is that the company charges renters who fail to fill up the gas tank at time of return two times the average price per gallon of gas for each unfilled gallon. If they otherwise choose to prepurchase a full tank of gas they are charged almost the average price per gallon. My question is does that increase fall under the definition of riba? 

Jazak Allah Khair Sheikh, Assalam Alaikom.

Dealings and Transactions
ID: 1770 | Date: 2023-03-04
YouTube earning

assalamu alaikum wr wb sir . Money earning from YouTube is halal or haram. And the YouTube money spending in poor people donation is halal or haram?

Dealings and Transactions
ID: 1762 | Date: 2023-02-22
Devon Islamic Bank Murabaha Question

Assalamo Alikum,

I am looking to purchase a house through Devon Islamic financing. I wanted to ask if the Shariah board has recently reviewed the Murabaha contract and if it is in line with Shariah requirements? JZK,


Dealings and Transactions
ID: 1761 | Date: 2023-02-13

Assalam alaikum warahmatullah wabarakatuh.

i would like to ask about the famous business now that is working mostly with warmarts,Amazon where people invest money and they get the same amount of money they invested with a little bit more every month for the whole year by only clicking on the certain products that they send to those people everyday. Is it allowed to invest in that?

2. What's the best way to ask for Allah's protection after buying new land and wanna avoid it fitnah is giving in charity allowed? If No what to do?

Dealings and Transactions
ID: 1750 | Date: 2023-01-27
Purchasing stuffs/things by EMI

Assalamamu alaikum Mufti Sahab, 

My question is "can we buy things on EMI which is having interest involved in it? ". For example.. Purchasing a bike whose actual price is Rs. 1,20,000 but if i purchase it on EMI , the cost may increase to Rs.1,80,000 (which i am supposed to pay may be in 12 or 18 months). Please answer  is it permissible in islam. If not then what are the permissible acts for purchasing such stuiffs which is high in cost.  

Dealings and Transactions
ID: 1747 | Date: 2023-01-17
Discount on Full price payment for an Apartment / Office / Shop

Question ID: 608

Asalam Alikeym,

The above question ID has a scenario that applies to the question I am about to ask, but I just wanted to get clarity on this issue.

Scenario : 
A Builder needs money to construct a mall. There are two options for investors to buy an apartment / shop in this mall. They can go for any of these 3 options. 

a) Pay a smaller downpayment of 30% and then pay monthly installment payments in 3 years to complete the full payment.

b) They can pay the full amount at the start and get a monthly rent/discount till the building is completed.

c) They pay full amount at the start and get a 10% discount on the full amount.

Now Question 608 did address the issue that rent can not be collected until the building is completed.

If getting a discount on the full amount payment is permissable, then will it also be permisaable to get a discount / money back after the building is completed.

I have already payed the full amount and am getting monthly rental money from the developer.

Is it permissable for me to inform the developer to not pay me anything until the building is completed and then after it is completed to pay me the monthly amount as a one time discount.

I am asking for advice on what I should do already in this situation.


Dealings and Transactions
ID: 1739 | Date: 2022-12-27
Loyalty membership

There is a loyalty club business where you pay for a yearly
membership and get discounts on a variety of stores. The company also gives
your free entries into bi monthly prize draws to win a car etc. since we are
not paying money for the entries but paying for the membership, would this be
considered halal if we win a prize?

Dealings and Transactions
ID: 1733 | Date: 2022-12-14
Business Dealing

Assalamualaykum wrwb, I wanted to know if dealing in gemstone products that are mostly used for reiki, and healing practices is allowed or not. Almost 95% of customers use these products for spiritual-satisfaction, and healing beliefs whereas around 5% would use it for decorative purposes. Sample Product Photos attached:-

Worry Stones:- Also used to make wire-wrapped pendants by some people




Chakra Sets:-


Palm Stones:-


Pyramids:- Also used as a paper-weight/table decor


Tumbled Stones:- Also used to make pendants by some people


Gemtone Hearts :- 


Spheres:- Also used as a paper-weight/table decor


Orgonite Pyramids:- Also used as a paper-weight/table decor


Mode Of Business: Wholesale (When someone asks about benefits of the stones and our products, we clearly tell our customers that we don't believe in it and we just trade these products). Online Retail (Listing pictures and description explains benefits that these people beleive in, it was just copy-pasted from internet sources without paying attention to what it means)

Please let me know if it is permissible to sell such products.

Jazak Allahu Khayran.



Dealings and Transactions
ID: 1731 | Date: 2022-12-05
Salary Negotiation with Employer

 Assalam o Alaikum.

1. I am working in a company for the last five years as Finance manager in
Saudi Arabia.

2. I have obtained all the required degrees, skills and knowledge in halal
way and my employer is satisfied with my work performance Alhumdulillah.

3. I have asked for increments in my salary many times but my employer has
refused due to the overall cost reductions happening in the company. At the
same time, the new hires with less qualification are paid more amount. In
some cases, some employees bring an offer letter from another company and
based on that, the company negotiates their salary and increase it to match
with the external offer they receive.

My question is as follows:

If i bring a fake external offer letter from a friend (only to negotiate my
salary package with my current company), and based on that after mutual
discussions and negotiations, the company agrees to increase my salary. Would
that increase be considered halal?

One important thing to note here is that despite the fake offer letter, the
company still reserves the right to reject any salary increase and if they
agree to give that, it is after mutual consent. All my degrees are genuine
and i am.performing my duties properly. Please advise. Jaza kallah

Dealings and Transactions
ID: 1712 | Date: 2022-10-29

What is Islamic views over cryptocurrency? 

Is Cryptocurrency  halal or haram?

Dealings and Transactions
ID: 1705 | Date: 2022-10-20
Medical and house insurance


I am a house owner and has no mortgage or loan. For the last few years, my income is very low. The wooden houses in USA may incur heavy losses in case of fire (may Allah protect all of us). I heard some scholars that house or medical insurance is haram (if option to opt-out is available). Even in case it is mandatory, one can only get his invested amount to cover any loss that happens. I appreciate that ulema in USA are not shy of giving bold verdicts, Alhamdolillah.

However, my question is that what should a person in my situation do? If something happens to the house, I am unable to rebuild it with my finances. These wooden houses are at greater risk  of fire and other hazards. Should I sell the house and start living on rent? Even then, I know that someone else (meaning the house owner) is doing a haram act for the place where I would be living. It is just like paying someone to do the haram for you. For medical, the situation is even more difficult. I cannot rent out anyone's body. Any accident or medical emergency would mean an insane amount of loan (if they are ready to treat a person without any financial credit score or money in bank)

When I discuss these matters with the community, I find that most of the people (if not all) are getting all types of insurances. I would love to live by those fatawa. I have opted out of insurance last year. A few weeks ago, a big tree at my house fall down in a storm. Luckily it did not damage my or my neighbor property. My neighbor told me that if something had happened to his house, my house insuance would be paying him. If I dont have any insurance, I guess I would have to pay for it.  I am sure that the scholars writing those fatawa know all these problems. I am curious to know how these fatawa are practically implemented in USA by the people who wish to follow Islam. Are there some halal ways out to address these concerns?

Thanks and regards

M. Haris Rais 

Dealings and Transactions
ID: 1703 | Date: 2022-10-16
Referring people to online survey sites

Assalamualaikum, There are a few genuine online survey sites that pay users for answering the surveys like rating a product, answering personal questions, etc... If I refer people to those sites and they signup through me then I will get a small commission... Is this halal or not?

Dealings and Transactions
ID: 1698 | Date: 2022-10-04
Working on multiple jobs at same time

As salamu alekum warahmath-ullah wabarakatuh, I work in a IT company which allows people to work from home between 7 am till 6 pm. Recently i have seen and experienced that some of my muslim coworkers have taken 1-2 jobs during the same time and get paid by 2-3 different companies. After pandemic this has become very normal with most of the software professionals as they can work at multiple computers at the same time. They somehow lie if the meeting coincide and manage it. Also making double or triple the amount of salary that they use to make. Also paying taxes on them correctly. They attend the day job and complete the work in the offline hours after 7 pm. If it is permissible to work this way. Will the income be halal? Also if i come to know how should i deal with it. looking forward to your response Jazakallah Khair

Dealings and Transactions
ID: 1696 | Date: 2022-09-30
Banking and insurance in America.

Assalamoalikum Mufti sahib!

I'm Khayyam pervez and I'm looking forward to start a  parts distribution business in USA. Though my Suppliers have required me to get an insurance coverage as it's manadatory to get the contract. Furthermore to run my business there are no Islamic credit lines, mudarabah etc being offered by banks here. Although the banks are offering credits on lowest possible my question is is there anyway around that? ANY CLAUSE OR SOMETHING WHICH IF I AMMEND MAKES IT ISLAMIC/? Please help! im stressed and confused. What should i do in such state where surrvival depends all upon that? Please guide me Mufti sb. I might or might not be able to get my hands onto Takful insurance via a broker, but the banks, I dont get a list back for Islamic Banks offering credit services for running business. 

Anxiously waiting for your reply.

Khayyam pervez

Dealings and Transactions
ID: 1693 | Date: 2022-09-28
Difference between loan from builder

Assalamualaikum wbr,

I am buying a new home, Islamic financing is offering loan at 7.5 while builders own financing company is offering loan at 4.5 mortgage rate. Over all difference on monthly payment is almost $700, just wondering which choice I should be making here. JAK kasira 

Dealings and Transactions
ID: 1691 | Date: 2022-09-27
Collection money


Is it permissible to use one collection money in another good cause without mentioning it in the beginning of collection?

Is it ok to use one marriage collection money into another marriage of a poor girl without informing the people who are donating?

How do we avoid any not correct method, what should we mention while collecting money to avoid Israf in marriage?

could we mention something like this: " We are collecting for this family our goal is $2000, once we reach the goal the money collection would be forwarded to another good cause and deserving zakaat people"?

Please advice!

jazakallah khair!

Dealings and Transactions
ID: 1687 | Date: 2022-09-24
Can a student earn money in united states of America


i mohammed Riyaz from India  currently pursuing my graduation in university of new haven. i landed recently in America and i want to know whether as international students can i earn money by doing off-campus jobs without getting studies effected to meet my university and living expenses because we don't have on campus over here?

Dealings and Transactions
ID: 1685 | Date: 2022-09-19
Online earning platform Fiverr.

I want to ask that there is an online earning platform means that is a freelancing platform fiverr. (www.fiverr.com) and when we earn through that some percentage of our earning probably 10 or 15 percent goes to that company. And that is an Israeli Company. I want to ask that being a muslim how to use that platform for earning. As the status of their STATE is cleared to we muslims.

Dealings and Transactions
ID: 1684 | Date: 2022-09-13
401 or 403 Retirement Plan


my question is out of 401 or 403 which Retirement Plan is in accordence of Islam. If you have some other suggestion please guide.

Dealings and Transactions
ID: 1677 | Date: 2022-08-25
Auto Insurance

Assalamu Alaikum,

Dear Brother/Sister 

I have a question, please answer me

  1. Is it halal for me to become agent for selling Auto Insurance here in USA?

Thanks for your answer.


Dealings and Transactions
ID: 1674 | Date: 2022-08-17
Distributing Inheritance of trading stock account

Assalam alaikum warahmtullah, 

My father who is now deceased, during his last days in the hospital had told his children that he wanted X$ amount of money from this trading account to be used for sadaqah. The total value of the account is worth on the market price of the stocks. A few months after his passing we had divided the stocks where the value (at the time of calculation) was the X amount that he wished to donate. However before we would liqudate and distribute the stock to the heirs and direct the sadaqa amount to chairty the stock values went down again. It has been a fseveral months after that initial distribution calculation. After his passing the value of the stocks have changed, mostly reduced. My question now if we want distribute the wealth from the stock trading account, do we have to remove the $X amount from the total current value (market value) and redistribute the remaining amongst the heirs or can we use the calculations from earlier when it was distributed but we were unable to liqudiate (this would mean that the final value of the sadaqa (at current market value) will be less that $X becuase the market has crashed. 

I appreciate your help

JazakAllah Khair

Dealings and Transactions
ID: 1673 | Date: 2022-08-13
My father plot

Assalamu Alaikum Wa Rahmatul Lahi Wa Barakatuhu,

Hazrat Sahab I want to ask about my fathers plot (2000sqft) which was bought by my father in 1985, now my uncle and aunty is saying after my fathers death that this plot belongs to them, they send money from Saudi Arabia. My aunty is my mothers sister and they both couples believed each others at that time.My father bought 1 plot separately for us to outer location from my grandfather house. After my fathers and mothers death my big aunty came from Saudi Arabia and saying give my plot back to us. My father was alive that time, He told her which plot are you asking, that is my plot you send money for this house (grandfathers house) to build means 60% big uncle money and 40% my fathers money and hard work labour for my father to build grandfathers house. But big uncle never came to India before. Only he send money, big aunty and my father fought each other. My father says to her that let me talk to my brother call him to saudia if he says he send money for plot investment in 1985 then I will give him full plot. But she refused to call big uncle from India. She said why I should call, Then she went back to Saudia then my father got sick with very serious illness of brain tumor. In that condition he told us that this plot belongs to us means my fathers children and the upper floor (grandfathers house) belongs to big uncle. After my fathers death big uncle and aunty both are coming now to india frequently that give my plot to us. Why they not come when my father was alive. Plots registry belongs to my fathers name. Big aunty told us plot registry belongs to her sister name means my mother. But she was proved liar because registry is on my fathers name. As per relatives big aunty is involved in black magic things. Now she is saying you all are my children divide the plot in 2 parts. We are 2 brothers and 2 sisters. So I decided to give half plot but my sisters are not agree to give her that this plot belongs to my father it is for us why should we give to her. Thanks. Mohammad Adnan Siddiqui

My late father : Mohd Imran Siddiqui, My late mother : Moina Khatoon, Big uncle : Mohd Anwar (Annu) Sultan, Big aunty : Naseera Khatoon, Late grandfather name : Mohd Sultan 

Dealings and Transactions
ID: 1670 | Date: 2022-08-07
Buying second house for investment with mortgage from Devon Bank Islamic Financing!

Assalamoalikum Warrakhmatullah!

My name is Waseem and i am resident of Fremont CA.

I already have a house with mortgage from Devon Bank Islamic Financing and this house is ALHAMDOLILLAH enough for my residential needs.

I have some savings and in order to invest it i was looking forward to buy another property on mortagage from Devon Bank Islamic Financing.

My question is that is it permissible if i mortgage another house for investment when the existing one is already enough for my residential needs. The reason i am asking this question is that if there is any hujjat in mortgage because of the other ribah based banking systems in the world i would like to avoid.

Jazak Allah Khairun.


Dealings and Transactions
ID: 1668 | Date: 2022-07-29
Regarding Dealing In Raw Leather (not tanned or processed leather) - Is it permissible to get a comm


I started working as a freelance leather buying agent with my uncle who has decades of experience in this field where we connect real buyers with genuine sellers and gets a nominal commission from the seller once the deal is done...

We have buyers from Muslim countries like Indonesia and Nigeria who purchases leather through us and manufacture human foods called "Ponmo Food" from cow leather. We have genuine sellers from non-muslim countries like Brazil, Colombia, etc, so we don't know whether the cow was slaughtered in an Islamic way or not.

The leather is normal leather that is used for tannery and goods but buyers want to use it for food so, I thought it was their personal choice and I got into this business but now I want to know...

Note: Our buyers are not manufacturing food. They are selling it locally and the local buyers purchase it for different purposes including Tannery, Shoes, Medicine, and Food but the majority is for food manufacturing... "It is raw skins not tanned or processed skins"

1) We just work as a platform to connect buyers & sellers and don't involve in any food-making and selling process. Also, our buyer is not making food, our buyer's buyer is making food out of leather. So taking a commission from the seller is permissible or prohibited for me?

2) If the income is not pure then what should I do as I don't have any other source of income? Leave the business now or continue the business till I get any other job or business?

Jazak Allahu Khair

Dealings and Transactions
ID: 1664 | Date: 2022-07-21
میڈیکل بلنگ

السلام علیکم و رحمۃ اللہ و برکاتہ
کیا فرماتے ہیں علمائے اسلام و مفتیان کرام مسئلہ ذیل میں کہ
میں امریکہ میں ایک آفس میں ملازمت کرتا ہوں جس میں میڈیکل بلنگ کا کام کیا جاتا ہے۔ بنوری ٹاون کے دار الافتا میں نے اسکو ناجائز قرار دیا ہے لیکن اس میں انہوں نے یہ لکھا کہ بلنگ کرنے والا انشورنس کمپنی سے پیسے وصول کر کے ڈاکٹر کو دیتا ہے
فتوی نمبر :144208201064
حالانکہ میرے آفس میں اس طرح نہیں ہوتا، بلکہ انشورنس کپنی ڈاکٹر ہی کو پیسے بھیجتی ہے، بلنگ میں صرف اسکا حساب رکھنا پڑتا ہے۔
اس میں کام کی نوعیت یہ ہوتی ہے کہ ڈاکٹر نے جن جن مریضوں کو دیکھا ہے، اسکی رپورٹ تیار کر کے مریضوں کے انشورنس کمپنیوں کو بھیجی جاتی ہے اس عرض کے ساتھ کہ ڈاکٹر کی ان خدمات کا معاوضہ دیا جائے، پھر جب انشورنس کمپنیاں پیسے بھیج دیتی ہیں تو اس معاملہ کو لکھنا اور اسکا حساب رکھنا ہوتا ہے۔ اس کام کے کرنے پر اجرت ڈاکٹر کی طرف سے ملتی ہے۔ مریضوں کی رپورٹ بنانا کوئی آسان کام نہیں ہوتا، بلکہ، انشورنس کمپنی سے پیسے وصول کرنے کے لئے خاص کوڈ مقرر ہوتے ہیں، ڈاکٹر کے خدمات کے مختلف درجات کے مختلف کوڈ ہوتے ہیں جن کے اختلاف سے انشورنس سے ملنے والے پیسوں میں تفاوت ہوتا ہے، اسی طرح اس رپورٹ میں مریض کے بیماریاں بھی کوڈ میں لکھے جاتے ہیں، اور ڈاکٹر نے ان بیماریوں کا جو علاج لکھا ہے، اس کو بھی کوڈ کے ذریعہ لکھا جاتا ہے، اور اس خاص کوڈ میں رپورٹ تیار کر کے بھیجے بغیر انشورنس سے پیسے وصول نہیں ہوتے، اور یہ کوڈ صرف بللنگ کرنے والا جانتا ہے۔ تو کیا یہ کام، انشورنس کے پیسے وصول کرنے کا سبب قریب ہونے کے ساتھ ساتھ سبب جالب و باعث شمار ہوکر، ناجائز ہوگا؟ یا مکروہ تحریمی؟ یا مکروہ تنزیہی؟ یا خلاف اولی؟

Dealings and Transactions
ID: 1660 | Date: 2022-07-17
Can i Buy car on EMI (equated monthly instalment)


I want to know if I can buy a car on EMI   (for example  if the vehicle is for 8 lakhs ... the total cost will be 8lakhs 50 thousand if I pay with EMI)

I asked a few people about it and I got to know that if you show an EMI product , you won't be charged for income tax will this be ok to do 

if the product is already bought...... what should be done if it's not permissible 

jazakallah khair 

Dealings and Transactions
ID: 1656 | Date: 2022-06-30
Crypto Currency

اسلام و علیکم محترم مفتی صاحب،

۱) میرے بیٹے کرپٹو کرنسی خریدنے کے متعلق پوچھ رہے تھے لیکن مجھے اس بارے میں کچھ معلوم نہیں ہے اس لئے آپ کی راہنمائی درکار ہے.

کرپٹو کرنسی کی خرید و فروخت کے متعلق شرعی حکم کیا ہے؟

کچھ کمپنیاں کرپٹو کرنسی بطور ادائیگی قبول کر رہی ہیں، کیا ان سے سامان خریدنا جائز ہے؟

۲) میں صفر فیصد پر ٹویوٹا گاڑی دیکھ رہا ہوں اور ٹویوٹا نے مجھ کو (Rate by Own)

کی آفر دی ہے کہ ابھی ان کا ریٹ تقریباً دو فیصد ہے لیکن وہ اس کو گاڑی کی قیمت میں شامل کر کے صفر فیصد پر گاڑی دے سکتے ہیں( ان کا میسج نیچے کاپی کر رہا ہوں)،

کیا اس طرح سے گاڑی صفر فیصد پر لینا جائز ہے؟

Hi Muhammad, how are you today? This is Hayleen from South Dade Toyota. My assistant Angie mentioned you are looking for a Sienna with the 0% APR, currently we don't have 0% available, and the lowest rate is 1.9% at 36 months. We can offer to do a rate buy down but that would have to be added to the vehicle price

Dealings and Transactions
ID: 1641 | Date: 2022-05-22
Working more than one job at the same time slot.

As salamu alekum warahmath-ullah wabarakatuh,

I work in a IT company which allows people to work from home between 7 am till 6 pm. Recently i have seen and experienced that some of my muslim coworkers have taken 1-2 jobs during the same time and get paid by 2-3 different companies.

After pandemic this has become very normal with most of the software professionals as they can work at multiple computers at the same time. They somehow lie if the meeting coincide and manage it. 

Also making double or triple the amount of salary that they use to make. Also paying taxes on them correctly. They attend the day job and complete the work in the offline hours after 7 pm. It is permissible ti work this way. Will the income be halal? Also if i come to know how should i deal with it. 

looking forward to your response 

Jazakallah Khair 

Dealings and Transactions
ID: 1589 | Date: 2022-02-15
Insurance as Business

اَلسَّلاَ مُ عَلَيْكُمْ وَرَحْمَةُ اللهِ وَبَرَكَا تُهُ 

i am used car business & my friend is an accountant. We both thinking to start an insurance business. ( All sort of insurances) Please Advice also explain why if its not permissible. 

Dealings and Transactions
ID: 1577 | Date: 2022-02-03
Presale and mortgage


we are interested in booking a unit in a presale project which is completing after one year . We have to make a payment of certain percentage amount to book it under our name. And before completion we intend to sell it to some other party and gain profit. Sometimes , the builder may not give permission to sell before completion, so you will not have any option but to go for normal mortgage (we do not have islamic mortage in our state) So is it permissible to take mortgage if the builder does not allow to sell again, and as soon as the mortgage is approved we can try to sell it within 2 months?  It's completely his choice to decide whether to give permission or no, most of the builders give but some may not. Please guide. 

Dealings and Transactions
ID: 1555 | Date: 2022-01-16

Salam Alaikum,

We are a couple without children, there are 2 properties in my wifes name and 2 in my name, we are gettin rent from these properties. all these properties alhamdulillah were bought by me. 

I have also paid for my brothers and sisters education and marriages. also i bought 1 flat for one brother who is poor. I also pay every year expenses for one brother and hpouse rent for one sister

i also pay monthy to my step brothers and sisters.

if i die i want the benefits to continue for my wife till her life and then the properties to be divided to my brothers and sister,  and if my wife dies first i want to take benefit of these properties till i die and then it should be divided between her borthers and sisters.

Please suggest how we can take benefit of our property as we are alone ? 

also please do not share this online.

Dealings and Transactions
ID: 1551 | Date: 2022-01-12
Home Loan

As salaamu alaikum, My owner selling her house in 80 lakhs as it is a big amount for me hence involving my cousin brother who want to pay half and another half I will pay, so that we can distribute two floor rents together every month. As it is in 80 lakhs can I take loan from bank and pay 40 lakhs my share is it permisable in Islam or not.

Dealings and Transactions
ID: 1548 | Date: 2022-01-08

We are 11 siblings (4 brothers + 4 sisters from my mother, 2 elder brothers + 1 elder sister from second mother, same father). My father was old and had no source of income when I migrated to USA. I started sending remittance to my father for family support. I sent money to my father as gift, making him full owner. With that money, my father bought 2 houses: our family home and a rental property.

My father legally registered one house (where our family currently lives) to 2 brothers and other house (rental property) to other 2 brothers. Even though my brothers were legal owners, but my father kept full control of both properties (repair, rent etc).

My father passed away 5 years ago and my real mother is still alive. Now we plan to sell the rental property. Here are few questions:

1.       Will the house sale amount be distributed to 2 brothers who legally own the property OR will it be distributed to my mother and all children of my father (including my step brothers and sister)?

2.       What should happen to the 2nd home (our family home) where my mother and one younger brother lives with his wife? We are not planning to sell that home in near future. Should that be sold and distributed as well similar to the other property? My brother who lives there takes care of our mother and has no job or source of income.

Dealings and Transactions
ID: 1515 | Date: 2021-11-24
Working with Qatar Duty Free


I am expecting a job offer soon from Qatar Duty Free (A subsidiary of Qatar Airways) in Doha to work in their Supply Chain department, my concern is that since QDF is also selling liquor at the Doha airport, does it make it permissible for me to work for them even if i am not directly involved in their liquor part of the business but QDF profits are linked with liquor sales. I am confused, please guide me asap.

JazakAllah khaer.

Dealings and Transactions
ID: 1513 | Date: 2021-11-22
Used Vehicle Warranty


I recently bought a used vehicle at a Dealership. When buying the vehicle they offered me a bumper to bumper warranty of $2,700. If after a few months I am not satisified they can re-imburse me the rest of the money. I told them that I had to do my own research before getting back to them. Is this used vehicle warranty permissible now since I have already bought my vehicle? Can I go back to the dealer and buy it? Or since it was not bought at the same time as the vehicle it is not permissible as it is a seperate transaction and insurance is not permissible.

JazakumAllah Khair

Dealings and Transactions
ID: 1503 | Date: 2021-11-06
Stock Purification

Asalamu Alaykum,

I have invested in a stock for which the main business of the company is Halal and the company exists in physical form. This specific stockk does not pay out a dividend. One of the conditions for Halal investing is to donate the percentage of the profit to charity without the intention of reward. When should this be done - suppose I keep this stock for 10 years before selling. Do I make this donation at the time of selling 10 years later based on the interest percentage in the annual report that will come out 10 years later?

Jazak Allah

Dealings and Transactions
ID: 1495 | Date: 2021-10-27
Crypto Currency Investment

As Salaam wa aliakum, 

I want to know whether investing in crypto currency is permissible or not in Islam.  I saw previuose Fatwa from 2018 but things changed between 2018 and now.

Dealings and Transactions
ID: 1490 | Date: 2021-10-17
working as a software engineer at sports news company

Assalamualaikum. I would like to ask, is it permissible to work as a software engineer at sports news company? the company provides a website that contains sports news articles and sports results and stats.

Dealings and Transactions
ID: 1489 | Date: 2021-10-13
property that may have been bought with insurance money

If someone's father worked as a marketing manager in a healh insurance company and bought a house-the children do not know what exact money was used to buy the house. They don't know any details about the salary of the father when he was working in the health insurance company. they only know that at the time that the house was bought their father was working in health insurance as a marketing manager. then after a few years the father left that job and began earning a halal income. It has been ten years or even more that the father has been earning from halal income. The original house bought has been recently given in rent to a family, and the father and his family have moved to a new house. Now one of the children is wondering whether the original house that was bought when the father was working in the health insurance company is halal or not? will the children be able to inherit that property? Will the children be able to live in that property if their father gifts it to them? The details of how the original house was bought are unknown and the child will not interrogate her father because she respects him and he has been earning a completely halal income for many years. Many years of living in the original house were spent while the father was earning a completely halal income. the father has been earning a completely halal income for 10-15 years but the child is having waswaas and confusion about whether the house that was bought while he was working in insurance would be halal for the kids to use in the future. Also when it comes to wealth, can the children assume that majority of the father's wealth is from halal income because he has been working through lawful means for many years? the child is having waswaas and confusion about future issues that may come up regarding inheritance because of the father had once been working in a health insurance company. can the children assume now that everything is lawful ever since the father switched his job? the old house and any wealth he has in cash is all lawful? the children will not interrogate their father about his old job in health insurance and inquire whether his salary was pure or not. they can't do so out of love and respect for him. he is a very pious man and this shows through the fact that he did not stay in that job and completely switched to a halal earning for many many years. 

Dealings and Transactions
ID: 1488 | Date: 2021-10-13

health insurance in new york is no longer mandatory

There is no tax penalty for not having insurance

however if one already lived in new york and had insurance from before, are they sinful if they keep their insurance?

large medical bills can occur especially when it comes having a baby and delivering in the hospital

is someone living in new york sinful for having health insurance?

Dealings and Transactions
ID: 1487 | Date: 2021-10-12
Inheritance Matter

 The younger brother of a friend of mine with name Dawood bought a house in 1998. He had to get the home mortgaged and for that, the house had to be in name of both Dawood himself and his wife, Zulekha.Thus the house was titled in name of dawood and Zulekha, Not as joint tenants but as TENANTS BY ENTIRETY (To know what Tenants by entirety is,you may have to look up on Internet)

Dawood's wife Zulekha never worked. The only source of income in the family was whatever Dawood earned in his life. 

Now dawood's health is worsonning, therfore, Dawood's elder brother advised his nephews (Dawood's three sons) that if Their father does not recover and dies, the whole house being Dawood's heritance it needs to be distributed between their mother, Zulekha and three sons, as per Sharia regulations. But, the sons are of the opinion of that after the death of their father, the property should be put in "TRUST" and it should be distributed only after the death of their mother, Zulekha. 

In light of above background;



Dealings and Transactions
ID: 1482 | Date: 2021-10-05
USAA and Empower Retirement job

assalamualaikum warahmatullahi wabarakatuh.

I have 2 offers from the companies as a Software Developer.

1) USAA(https://www.usaa.com/): It offers Banking, Insurance, Investments, and retirement plans.

2) Empower Retirement: (https://www.empower-retirement.com/): This company deals with retirement plans.

Am I allowed to work for any of these companies. 

Jazakallah Khair.

Dealings and Transactions
ID: 1474 | Date: 2021-09-20
Network marketing company especially in FLP company america


I want to know is it halal to work in network marketing company especially in ‘FLP company america’, as this is the matter of lakhs of muslim youth who have joined it and earning lakhs of amount. One of my friend also invited me to join FLP company, please tell me whether I should join it or not???

The other Muftis are saying it is haram as our deoband futwa board has verdicted this as Haram… but some are saying FLP is giving you money with out ur efforts(bagair mehnat).

The direct marketing business model that FLP uses doesn’t raise any concerns. Also the products that they sell are categorized as health and beauty, so there’s nothing of concern there either. This company is legally operating in many countries for several years so it doesn’t appear to be a scam. it has halal certificate.

after free registration under sponsorship of a person who is making me to join through his id, company is giving us their products (aloevera contained-health products) with some discount to sell/recommend them in general public.

Steps or levels we have to pass in order to achieve different status/level in company

1) we have to buy products at least 5000 and sell them. To achieve the level in which we can add/join some other person by ourselves under our sponsorship to do same business.After achieving this ,Here we become business owner.

2) we have to sell/recommend the product of cost 33000 to acheive 2cc(cc=case creadit, which is common currency of this company all over the world). Here we become Assistant supervisor.

Like wise acheiving different levels in company after getting respective no. Of CCs (case creadits)

at different levels/status we are earning different amounts of salaries respectively.

3) Here we are getting bonus/passive income(cc) from our downlines(the person/s joined by me or the person joined by them, joined by them next ….so on upto end line)as well.some special percentage of amount we are getting from their(downlines) work as well.this earning is called as bonus or passive income here.

Butt here is an important that the bonus amount/passive income is subjected to a condition that we must fill, the condition is that “we have to generate a special no. Of CCs (case credits) by ourselves actively”, then we get our passive income otherwise we will be denied of passive/bonus income.

4)if somebody does not work or suspend his work for a particular time, his gained CCs will be washed off.

This was brief

For details you can google FLP companies procedure and get well known with it.

Now waiting for answere?????

Dealings and Transactions
ID: 1473 | Date: 2021-09-19
Forever living products business is halal?

Forever living products business is a MLM business of America. It produces alovera health services products. It is a network business. It provides very attractive products. Is it halal business or haram? Does islam allow to do this MLM business? 

Dealings and Transactions
ID: 1470 | Date: 2021-09-13

Assalam o Alaikum

we are 4 brothers, 2 sisters and a mother.

My brothers bought a house Rs. 450,000 in 1995 from the left amount/property (Inheritence) of my late father and sold purchased house/it in Rs. 1,750,000 in 2004. (brothers didn't consent/give/declare share to us (two sisters) and a mother in 2004 on a sold house of inheritence).

Then our brothers Bought a new plot in 2004 amounting around Rs. 1,100,000 from the amount of sold house (Rs. 1,75,000) and also spent remaing Rs. 650,000 on the construction of newly bought plot from the amount of our sold house/inherited (spent total amount 1,750,000 for plot and construction).  In addition, they borrowed loan to complete the construction of house and currently the worth of plot is around 2 crore where is the worth of build house is around 4 crore.

My brothers gave us (to 2 sisters) share of Rs. 175,000 to me and 175,000 to my sister in 2017 (from the income of tower installed on house purchased from our inherrtied money and every year they receive rent around Rs. 2 lack to 3 lac) ) while telling us that it is our share on the basis of house sold in 2004 in Rs. 1,750,000 (share given to us after 13 years saying that our house was sold in 1,750,000 in 2004).

But we say that we should be given share as per the the value of amount in 2017 or on the basis of the worth of plot purchased from our sold house because they invested our combine amount in purchasing plot and on construction. 

we could buy a plot/house, gold or any thing else in 175,000 in 2004 if they would have given us our share becasue the gold/flates/shops etc were cheaper in 2004. (10 gm gold price in 2004 was around Rs. 8,000)
where as we could not buy even a shop or flate in 2017 in the given amount Rs. 175,000 as there gold, flate were costly i.e in 2017 10gm gold was around Rs. 53,000/-

We sisters are of opinion that it is not right/injustice to pay us the share as per sold house in 2004 after 13 years in 2017.

kindly guide us.
Sajeela Naz Bibi
JazakaAllah Khair

Dealings and Transactions
ID: 1467 | Date: 2021-09-11
Inheritance Question


Please let me know what share the surviving relatives of the deceased should receive in this case:

Deceased: Shahid Farooki


1) Daughter (from previous wife)

2) Wife 

3) Full brother

4) Full Sister

5) Half brother (paternal)

6) Half sister (paternal)

Dealings and Transactions
ID: 1461 | Date: 2021-09-03
Taking health insurance from US while living in Bangladesh

I currently live in Bangladesh. My father suffers from Liver Cirrhosis. I have plans to do Masters or PhD from USA. It is recommended for my father to do liver transplant. But Currently I liver transplant is not available in Bangladesh. And in India it will cost 1-1.5 crore Bangladeshi Taka(currency), which  the cost is out of my reach. When I start PhD in US will it me permissible for me to buy an insurance for my father, take him to US and do the liver transplant and then send him back to Bangladesh? Currently I couldn’t find any Takaful Health Insurance in US. And don't know how the rest of the insurance work there might be be riba and qimar. So will it be permissible in case like this? Can I call it dire need and buy insurance for him and take him to US? Cuz without the treatment he might suffer a lot and die within short span.(May Allah give him long life)
Also suggest me if there is any halaal health insurance in USA

Dealings and Transactions
ID: 1459 | Date: 2021-09-01
Is investing in 529 funds permissible in Islam

A 529 plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future higher education expenses of a designated beneficiary. The amount we save in this fund is tax free. As we pay high tuition fee in private islamic schools, this fund will save us a lot every year in taxes. My yearly tuition fees for my 3 kids is around $15000. If we make use of this funds, we could save $3000 in taxes every year. The only catch here is that we dont have control on where our money is invested. It is like mutual funds. They may invest our money in Bonds or any company that do not do Halal business. Can our ulema guide us in this topic.

Dealings and Transactions
ID: 1458 | Date: 2021-08-31
Riba / Interest ?

اسلام علیکم و رحمۃ اللہ و برکاتہ

Please guide me in the following matter:

In the trucking business, factoring company is used to get advance money. They claim to charge a “service fee” of 2 %. The question is that do this “service fee” come under riba / interest ? 

Detail : 

A company (shipper/broker) has some goods (load) to be moved from point A to point B. A Truck Driver can do that. Due to time involved in Finding the shipper/broker, doing the paperwork, followup on payment etc the driver hires a dispatching company which does all this for him for a service fee.( usually 12%). The dispatching company pays the driver weekly for his work. But the shipper/broker pays the dispatching company in 30-45 days. This weekly payment to the driver(s) can go in thousands of dollars and also to secure the payment from the shipper/broker a factoring company is hired by the dispatcher. The factoring company pays the dispatching company the money instantly and they goes to the shipper/broker and collect the money in 30-45 days. For this service it chargers a service fee ( usually 2.5%) . Is this money ( 2.5%) riba/interest ? 


A person goes to withdraw money from a bank atm which is not the bank he does banking with. The bank gives him the money instantly, they goes to his bank and gets the money from his bank and for this service they charge him a fixed amount or percentage whichever is greater. In both cases (atm and factoring) either they are both ribs or both are not ribs. 

Please guide me on this matter. جزاك الله خير اًواحسن الجزاء فی الدنیاوالاخرہ


Dealings and Transactions
ID: 1456 | Date: 2021-08-29
Roshan Digital Account

Pakistan Governement offer overseas Pakistani a Roshan Digital Accounts and give i beleive Monthly or Quaterly profit, Are we allowed to open that account? and are we allowed to earn profit from that account?

Dealings and Transactions
ID: 1445 | Date: 2021-08-12
Job in Insurance company

Assalam Alaikum

I am seeking guideline in the light of Shariah. I have two questions:

1- Is it okay to do job with insurance company?

2- If working directly with insurance company is not okay then I have another question, is it okay to work with the company that provides data to the medical insurance companies? This company does not directly involve in medical insurance, it does data analysis for medical insurance companies

Thank  you and Jazak Allah al Khair



Dealings and Transactions
ID: 1443 | Date: 2021-08-08
Distribution of heritage

As salam alaikum. My parents had a house half of it my father paid and half was mother's tarka they sold that house and gave gold to three brothers and bought a piece of land while buying the land my father said that's for second oldest brother who helped everyone in our education and sisters wedding. Now I started building the house on land with the intention that my mother can live there and after her second oldest brother will have but my mother and other siblings think that the house must be disturbed in all sons and daughters. My question is does my father have right to give it to second oldest brother since my mother's tarka was used in buying first house? Does the land which father said it's for his second son in his life should be distributed in all if second son doesn't want it? 

Dealings and Transactions
ID: 1420 | Date: 2021-07-06
Student loan interest pay by government

A Subsidized Stafford Loan is a need-based loan. The Federal Government pays the interest while you are enrolled in school. 

In other words government pay the interest instead of student

Is above loan permissible?

Dealings and Transactions
ID: 1414 | Date: 2021-06-24
Urgent: Deceased father money for a mosque

Assalamualaikum warathmatullahi wabarkatuh,

I pray this message finds you well. My father passed away suddenly few years back and while he was alive he had mentioned to us that he wanted to build a mosque in his mothers name. At the time of his death, the money we recieved from his work were distributed via Shariah rules. During the distribution we had kept aside some of his money to one day build a mosque in his mothers name to fulfuill his wish. We put the money in certificate of deposit (CD) which will be maturing in 2022. Recently we had a land available to buy and build a mosque in a needy area. If the CD is cashed out prematurely there would be a find of upto 20% which is a significant loss. Is it appropriate to make other arrangements of the money we had set aside from my father's to build the mosque and make the intention that due to the money being unavaible to use, we put forth our money in exchange of the CD? 

Please advise as soon as you can.

JazakAllah Khayrun.

Dealings and Transactions
ID: 1409 | Date: 2021-06-17
A question related to Affiliate marketing


My question is related to Affiliate marketing.

A bussiness owner is in need of  Affiliate marketers to promote his Bussiness. And he will give commissions to those affiliate marketers, (commissions per sale).And he asks me to search affiliate marketers for him and he says me, whatever those marketers will earn, I will give you 5% from their earnings? So are my earnings halal?This is not MLM,it is just one level.

JazakAllah Khair.

Dealings and Transactions
ID: 1406 | Date: 2021-06-09
Amazon Selling

 Respected Mufti Sahab,

Assalamu ‘Alaikum.

A way to earn by selling products on Amazon is that when sellers are selling on amazon, their products do not rank well (they are found on say the 100th page of amazon search hence no one buys from them). Suppose I’m the seller. I can then provide product ranking services in which what I do is firstly, I give away products for free to people(I refund them after they make purchase on amazon) by approaching them using facebook ads and redirecting them to our product on amazon to make amazon think that the product is getting a lot of sales hence they keep moving the product from the 100th page to 30th, 20th 10th and so on (we donot ask for reviews so it is just a simple promotional giveaway to make amazon think the product sells well). Is this method halal?


Dealings and Transactions
ID: 1405 | Date: 2021-06-08
Fatwa for Doing Business on Amazon

Respected Mufti sb,

Assalamu 'Alaikum. Hope you are in good health by the grace of Allah swt. I wanted to ask whether selling our products on Amazon is halal, given the fact that Amazon is involved in business contacts with organizations that are complicit in human rights violations like the Israeli Defense Forces. Israel has also selected Amazon Web Services for a $ 1 billion plus project to deliver a public cloud infrastructure for the country's government ministries and defense forces.

Secondly, I would have to source (buy ) my products from Alibaba, a Chinese tech company, and then send it to Amazon to sell. There are reports that Alibaba's website allows it's clients to use its software to detect the faces of Uighur Muslims and as we are aware Chinese government is brutally torturing the Uighur Muslims in the indoctrination camps.

So is doing business on Amazon and sourcing our products from Alibaba halal? Also, this was confusing for me as we are not directly involved in the persecution of Muslims.

Jazak Allahu Khairan

Dealings and Transactions
ID: 1404 | Date: 2021-05-31
Question Regarding cryptocurrency XRP

Assalamu Alaikum,

Hope everyone is well by the grace of Allah (SWT).

My question is regarding XRP. XRP is the native cryptocurrency for products developed by Ripple Labs. Its products are used for payment settlement, asset exchange, and remittance systems that work more like SWIFT, a service for international money and security transfers used by a network of banks and financial intermediaries. XRP is pre-mined and uses a less complicated method of mining as compared to Bitcoin.

XRP is not same as Bitcoin. So would it be halal or permissible to invest in XRP?

JazakAllau Khair

Dealings and Transactions
ID: 1402 | Date: 2021-05-29
Inheritance question

Assalaam Alaikum,

I am reaching out to gain some guidance regarding proper division of property after the passing of my father.

Background: My father had bought a property in my mother's name and she passed away in 2007. My father then married for a second time in 2012. We are trying to figure out if the second wife has any right to the property, as it was my mother's property. In his lifetime, he said to us verbally that the house belongs to his 3 kids as it is his first wife's property. 

Is my step mother entitled to receive anything from my deceased mother's property after my father's death?

Jazak Allah khair,

Asma Rehman

Dealings and Transactions
ID: 1401 | Date: 2021-05-29
Student loan question

As Salamu Alaykum,

I have a question about the Islamic perspective on student loans. I am a first generation premed student and when I attended undergrad at Loyola University Chicago, I had the idea that anything with interest is haram, but as long as you pay it fast, you should be fine. I recently graduated with my Masters in Biomedical sciences from Midwestern University and I was told by a family member living in Germany that student loans are absolutely haram due to the interest and it is one of the major sins. My plan has always been to apply to medical school as my next goal in life, InshAllah and my intention is to serve Allah Swt and give back to our ummah and take care our Muslim female patients. however, now I am a bit confused on what decision to make regarding student loans being haram. That is why I am writing to you to get your scholarly advice on this matter, InshAllah. When I was in undergrad I was unaware of the idea of student loans being absolutely haram and a major sin, but my family told me before I started my Masters program about it and I was too ignorant to accept it. Now that I completed my Masters program, I am reflecting and I really want to do the right thing for Allah SWT and if it is haram to take loans (and additional loans) for medical school, then I would rather change my career path that does not involve haram interest and that is more pleasing to Allah SWT. Since I am a first generation student, my parents are immigrants here and they did not really have money saved for my education to help me. Additionally, due to schooling in the United States being so expensive, I had to take these student loans. I dont justify my actions, but I sincerely repent for my sins caused by my student loans. I am more mature (Alhamdulillah) and now I realize, whatever is displeasing to Allah swt, I want to stay away from it, Alhamdulillah. Please let me know if I should set an appointment to talk to you about this or would this email suffice. JazakAllahu Khayran for your time and help in looking into my matter of student loans and letting me know your opinion.


Fathima Mohideen

Dealings and Transactions
ID: 1400 | Date: 2021-05-28


My father had 4 sisters and 1 brother. My father was 2nd eldest in the family. My uncle is the youngest. 3 of the 4 sisters got married but left claim for anu property share in my grandfather ancestral property. Now the property should have been divided between the eldest sister and 2 brother. But nothing was done on paper and all was accepted on terms. Later when the eldest sister wrote a will declaring my father as the legal hier of her share.  She has passed away, my father also passed recently. Now my uncle says that he also has the share in my aunt's (eldest sister) property and is moving to court and he reject the will written by my aunt. May I know what is the islamic jurisdictions of such issues.





Dealings and Transactions
ID: 1393 | Date: 2021-05-21
401 K or retirement plan?

Asalamoalikum Hazrat,

Mujhy ya pata krna tha k retirement plans main invest kr sakty hain ya nahi?

Is main is tra hota he k main apni salary ka kuch hissa is fund main dalta hon (misal k tor per 500) and mera employer kuch percentage dalta he (misal k tor par 6% of 500: $30). ya sara amount meray retirement fund main main jama hota rehta he and mujhy retirment k bad eik sath milyga.

Aya is tra krna jaiz he ya nahi?


Dealings and Transactions
ID: 1389 | Date: 2021-05-17
Is it permissible to Work in Mutual insurance company

Assalamu alaikkum wrb,

I am working as Contractor (Software Engineer) for Mutual Insurance company. Now Client is looking for me to join as a full time (direct employee). This client is selling the Insurance products to credit union and credit union sell the insurance to the member. Following are the area of business the insurance company is dealing with credit union,

Retiement: 401k plan, Pension plan and Pension Risk plan

Lending: Credit Insurance (Are your members' loans protected in the event of an unexpected life event, such as disability or death? Offering Credit Insurance on eligible loans can help reduce or pay off the member's loan payment should the unexpected happen – and help protect your credit union from loan delinquency, default and foreclosure.

Guaranteed Asset Protection: New vehicles depreciate, on average, 20% after one year.1Newly purchased vehicles depreciate the second they’re driven off the dealer’s lot. When a vehicle is totaled in an accident or stolen and not recovered, your member could owe more than the vehicle is worth. GAP is designed to reduce or eliminate the difference between the insurance settlement and the loan balance. Our choice-driven GAP, GAP Plus and GAP with Deductible Assistance offer more feature options and more control than ever before.

Charitable Donation Account: A Charitable Donation Account (CDA) is an easy way to give more—and strengthen your bottom line at the same time. With a CDA, you can invest in a variety of expanded investment options otherwise impermissible by the NCUA. With the new investment returns, you’ll donate a minimum of 51% of those earnings to the charity of your choice and retain up to 49% as income for your other credit union initiatives.

Also they do Debt protection isurance, Mechanical Repair Coverage and private mortgage insurance for home.

I would like to know Is it permissable to work as Full time/Contractor employee of this organiztion. Please advise.

Jazakallah Khair.

Dealings and Transactions
ID: 1387 | Date: 2021-05-15
Inlaws behavior

As salamualaikum wa rahmatullahi wa barakatuhu 

Alhumdulillah I'm blessed to have a good husband, my question is related to my inlaws. 

  1. I dont talk much reason i safeguard my tongue but my inlaws says that shows you are arrogant. They want me to share everything with them but the fact is being married to my cousin nothing is hidden from them except a few personal things that I'm asked not to share. They ask me to open up, and I'm too scared to talk shaytan is everywhere i don't want to hurt them or do backbiting. Am I doing something wrong?
  2. We were on vacation for 3 months i don't know what had happened all of sudden few days before leaving my FIL started behaving different, not talking or even looking at me he did the same with me and my kids while leaving though we stay miles and miles away. Until now its the same i even texted him asking to forgive me if i had hurt him but no reply to any of my messages. Earlier his bond was not good with his son  and was too good with me but Alhumdulillah this vacation had got them closer and things got opposite on my end. Do you think i should still be trying to convice him to forgive me for something that i dont know?
Dealings and Transactions
ID: 1385 | Date: 2021-05-13
Regarding profit earned because of reference

Asslam o alaikum,

Respected Mufti Sahab,

By profession I am a doctor, one of my friend recently opened a pathology and asked me to refer patient for any pathological test. He said he would be returning favour as monetary benefit for me. I never push any of my patients to go to his pathology as such, but I do use his writing pad as a part of his advertisement and indirectly refer them to his pathology. But not all patients would go to him, and I don't take any monetary benefit for any other pathology as I don't have any understanding or contract with them. My contract is only with my friend and I help him indirectly by writing prescription on a letter and with his pathology adverts. My question is, will this be considered halal, as I feel quite confused about the salary received from him. 

Please treat this as URGENT.


Dealings and Transactions
ID: 1384 | Date: 2021-05-12
Zakat on 401k Plans

Assalam O Allikum, 

I hope this letter finds you in the best of health and iman. 

My question is on the zakat for 401k plan. 

Assuming I have $100000 in my 401k plan and I am 50 years old. 

So, this amount is over nisab but i have resticted access to these funds till I am 60 years old.

Restricted access meaning that if i try to use these funds via withdrawl, i will play penalty and taxes. 

How do i calcaulate zakat on this amount ($100000)?

Shall i deduct penalty and taxes for calculating zakat? or pay zakat on $100000. 


M. Ahsan





Dealings and Transactions
ID: 1381 | Date: 2021-05-11
Bank loan for house


Is it permissible to take a loan either from a bank or guidance Realty  to purchase a house for family or to buy a building for investment. 

Jazzak Allah khair 

Dealings and Transactions
ID: 1380 | Date: 2021-05-10

Asalam u alaikum, My mother passed away 13 yrs ago,, we are 3 brothers and 3 sisters. we just found that she had some gold that is in possession on one of my sister. My sister claims that my mother has told her to keep it for one of my brother who never married. But he is not aware of it either. Should this gold jewelry be divided accordi ng to Nisab or we should consider it as my brother's property? My sister who is holding it doesn't have any proof of mother giving her jewelry to keep. My other sister is saying that it was not my mother's intent to keep it just for one of my brothers. What should be done in this situation. JazakAllah khair.





Dealings and Transactions
ID: 1375 | Date: 2021-05-03
Investing in bitcoin halal or not

As salaam u alaikum Dear scholar, 

I just wanted investing in bitcoin or any crypto currency is halal or not. 


Dealings and Transactions
ID: 1369 | Date: 2021-04-24
Using Lab fund, Is it Halal or Haram?

Assalam O Alikum Mohtram. I am a PhD student in Mechanical Engineering in Korea. Basically I am from Pakistan. I am facing one serious problem here.

When I was being hired for studentship, one of the senior student from my lab told me my salary. (Prof. did not told me the terms and conditions.).I said ok. But when I came here, iIcame to know that Prof. is not giving me the full salary. He is playing game with me and my lab mates. My salary is coming from Government. But Prof. has created a virtual lab fund. This fund is managed by the students. Suppose i am taking 13 dollars salary from Government, I am supposed to keep 8 dollars and return 5 dollars to lab fund. Not all the students are getting money from government. So, lab fund is used to pay those lab students who are not getting money from Government. In actual, it is wrong according to the rules set by Government. In this situation, Prof is supposed to get some projects and help those students who are not getting Govt. salary. But my Prof. is not doing it. And he has already saved a lot of money in Univ account that can be used to fund those students who are not getting Govt. salary.

In addition, I had been working as TA and my salary for TA is 4 dollars. This money comes from Univ to my account. Prof. can not ask me to transfer these 4 dollars to lab fund. But here, we are not allowed to use this money.

Now we are only 2 students in this lab. All other students have passed the school. What we did is, we took some money from lab fund and use it. We thought that this is our money.

So, taking money in this way is Haraam ? or it becomes halaal as we have earned it from Govt.

Dealings and Transactions
ID: 1360 | Date: 2021-04-19
Distribution shares of nephews and nieces

Aslam o Alikum
my question is that if man died, his parents before died, no child, her wife and sister died after his death. now only his brother's sons and daughters(nephews and nieces) are alive.  what shares distribute  among them(nephews and nieces)?

Dealings and Transactions
ID: 1356 | Date: 2021-04-16
Medical Insurance


I have question regarding the medical insurance.  Currently i am having the medical insurance and also i am having the bills to reimburse. But i am confuse that It was right decision that I took the medical insurance or not. I took the insurance in COVIT 19. 
Kindly confirm that we will use that insurance or close it.
If I close it took one month, so in that month Can I use it and claim my previous bills

Dealings and Transactions
ID: 1351 | Date: 2021-04-06
Inheritance Distribution

As Salam Alaikum 

I have a question regarding the  distribution of inheritance my  father left for us. we are family of 7 members. There is one home and some cash.

Family consist of following

our Mother

Sister (1)

Brother (5)

JazakAllah for the response

Urooj Khan



Dealings and Transactions
ID: 1338 | Date: 2021-03-23
Required Fatwa of Inheritance of late Real Brother's sons and Daughters of Deceased Person

 As-salaamu ‘Alaykum wa Rahmatullaahi wa Barakaatuhu.

it is submitted that mr muhammad zakria khan died issueless on 2004, the parents, brothers & sister also died before the death of muhammad zakria khan, only wife, sister, nephews and nieces(2 daughters and 3 sons of a late Real Brother left upto 2012.

 zarina sister of muhammad zakria khan was died issueless on 2012 and his husband died before his death.

 Balqees wife of muhammad zakria khan also died issueless on 2015.

Now a days 2021 only following persons live/ survived

1). 2 daughters(najma rabbani, nigar rabbani) and 3 sons(sohail rabbani, jawaid rabbani, jamshed rabbani) of late Khan Ghulam Rabbani (Real Brother) of the  (late muhammad zakria khan)

2). 5 step brothers and 4 step sisters(same father but different mothers) of  late balqees wife of muhammad zakria khan


2 daughters and 3 sons of late real brother ( blood relation real nephews and nieces) of late muhammad zakria khan)

But other side, 5 step brothers and 4 step sisters of  late balqees wife of muhammad zakria khan is not blood relation (step brothers in law & step sisters in law of late muhammad zakria khan

How will  be divided shares among inheritance? Please answer in detail and early please



Dealings and Transactions
ID: 1332 | Date: 2021-03-17
دادا کی جائیداد مے بہو اور پوتے کا حصّہ

اسسلام علیکم.
میرے والد کا انتقال میرے دادا سے پہلے ہوا ہے . لیکن انتقال سے پہلے دادا نے سب کے سامنے کہا تھا کے میری جائیداد مے جتنا دوسرے کا حق اتنا تیرا بھی ہے تیرے بیوی بیٹو کو دونگا . لیکن اب میرے چچا دینے سے مانا کر رہیں ہے کے تمہارا شہریت کے حساب سے حصّہ ہی نی بنتا . اسکا ذرا خلاصہ کریں کے ہمارا حصّہ ہے یا نہیں. اگر شہریت حصّہ نی ہے تو کیسے نی ہے.

اور دادا نے جو کہا تھا اسکے گوا بھی موجود ہے اور ایک پیپر پی لکھ کے اور سائن کر کے ب دے ہیں

Dealings and Transactions
ID: 1325 | Date: 2021-03-03
Online Purchase

Asslamu Alaykum,

I'm facing a dilemma in regards to an online purchase that I made. I  purchased modest clothing worth $133 from an international website. 

Upon receiving the order I noticed that the one of the garment was in a packing with dirt in it and the garment itself had a lot dust and dirt on it. 

Also, the sizing was very off for half of the garments that I ordered. I contacted the company and requested an exchange for dirty item. However, they never responded to my email or text messages on their whatsapp. I sent them multiple requests and waited atleast two weeks for them to  respond to my complaint. When no one got back to me, I filed a dispute on paypal (Because I paid via paypal and they protect both buyers and sellers in case there's a scam from either party) and requested to refund me the price of $8 for the item that was packed in dirt. The company responded through paypal's request and asked me to ship the garment back to them and pay for the return shipping cost myself, which would've been a very hefty fee. I further escalated the case, because as per the company's policy, they take responsibility for the defected items. They refused to cover the return shipping cost and instead of refunding me for the defected garment  Paypal refunded me the full amount of $133 because the company refused to take any responsibility for the defected garment.

I felt very uncomfortable at receiving the full refund. I contacted paypal and they offered to pay the return shipping for the garments I wanted to return.

I contacted the company and told them I'll be returning the defected item as well as the ones with inconsistent sizing. I requested an invoice so I could pay for some of the garments that I was going to keep. However, they responded that they will not take any returns and they didn't respond to my request for the invoice. I sent them another request asking them to send me an invoice so I can pay the difference. They only responded that they cannot accept returns or exchanges.

My question is, is it halal for me to still keep these clothes and wear them? If not, is it halal for me to donate them? What is the most appropriate thing to do in this scenario? As the company simply refuses to accept returns and never responded to my request about sending me an invoice.

I would very much appreciate a clarifying response. Jazakallah Khairun.




Dealings and Transactions
ID: 1319 | Date: 2021-02-19
Working for a Bank

Asalaamu Alaikum brother/sister.

I would like to ask if working for a Bank is permitted in Islam or not.

I am aware that the business of a Bank involves interest and that they charge interest to customers through various products, and I am also aware that interest is haram in Islam. But I would like to know if working for the Bank is also haram as many job roles involves discussing with customers charges and interests on products they have, and some roles involve opening accounts for customers such as savings, credit cards and mortgages and these are all interest related.

I would appreciate if you could kindly respond if there is any knowledge in this area.


Many thanks in advance

Dealings and Transactions
ID: 1313 | Date: 2021-02-09
Bussiness information

I want to ask about crypto currency? Is it halal or haram ?

Dealings and Transactions
ID: 1305 | Date: 2021-01-28
bank loan


i have purchased a flat and want to sell one property to purchase another flat. But I am unable to sell that property for the second flat , for that can i take bank loan in India.


Dealings and Transactions
ID: 1295 | Date: 2021-01-18
Saving Certificates

Asalamoalikum Hazrat,

I have a question about saving certificates. Is it permissible to invest or buy such certificates? Background: My wife's father is a banker and he had multiple saving certificates. My wife is insisting to buy those certificates saying that "since her father did that, it is allowed to buy it". I am afraid that it is sood and prohibited in Islam.

Please guide.


Dealings and Transactions
ID: 1288 | Date: 2021-01-12
Stock options and Bitcoin

Aslaam alaikum, 

please help me understand if trading in option (call / Put) and investment in Bitcoin is Halal. 
I do make sure not to invest in haram shares. But like to know if options are Halal. 

JazakAllah Khair 

Tauhid Ansari 

Dealings and Transactions
ID: 1287 | Date: 2021-01-11
Stocks Purchase

Assalamualaikum Mufti Saab

  1. Can we buy stocks? If yes then I heard there is app called Zoya which is used by Muslim communities widely in Canada and USA. It shows whether that particular stock is shariah compliant or not
  2. And then we have to buy using apps like E-trade/ Robinhood apps

Your valuable guidance on this will be highly helpful.

Jazakallah Khair

Dealings and Transactions
ID: 1286 | Date: 2021-01-10
Islamic home mortgage


I just started to do some research regarding buying a house. What banks/ companies can you recommend which comply with the Islamic law of mortgage, so that I can avoid paying interest. A lot of people are recommending Guidance Residential. Are there any other good ones that you can recommend? Also, what do u think abt  this company?   


JazakAllah Khair .

Dealings and Transactions
ID: 1283 | Date: 2021-01-08
Income Share Funding

Assalamualaikum Mufti Saab, 
Hope you are doing well.

I came across this platform that provides loans on an income percentage share basis. Below are a few details from their website (fundmebff.com). Can you please advice if getting a loan from here is permissible?

Jazak Allah khair.

Product and its Benefits
Our Product: It is not a loan. We provide you with the money you need up front and in return, when you are working, you share a fixed percentage of your income for an agreed upon fixed period.

A major advantage of our product: Your payments are designed to stay affordable. If your income decreases, your payments decrease too!

How do we make money?

For each investment we make, we have a target rate of return. Unlike a loan, we do not hold you liable if we don’t reach our target rate of return. That’s why our Income-share agreements are truly investments and not loans. We only do well if you do well.

Historically, our target rates of return have been at least %25 less than what an interest-bearing loan for the same amount and over the same period would cost.

What is the funding process?

1- Start with filling out the application for funding.

2- If we’re interested in your initial application we may ask for some supplemental information.

3- After providing the supplemental information, we will work with you to reach an income-sharing arrangement that makes sense for both of us.

4- After agreeing to the terms, we will transfer the funds to your designated account.

5- When your income share period starts, you start sharing your income with us at the agreed-upon fixed portion and for the agreed-upon fixed period of time.

Dealings and Transactions
ID: 1279 | Date: 2021-01-04
guidance residential re-financing


I have bought a house from guidance residential can I do refinancing with guidance residential to change my plan form 30 years to 15 years and to lower the monthly payments? 

Jazak Allah

Dealings and Transactions
ID: 1278 | Date: 2021-01-04
Recouping Money from Contractor Who Didn't Finish the Work


Asalammualaikum warahmatullahi wabarakatuhu

Meray house ke repairs kay liyaa labor say $5000 ke deal hoi aor $5000 kam khatam honay say pahlay pay kar dia,

Labor takreban $3000 ka kam kar kay baag gaya.

Ab meray pass labor kay kuch tools (aozar) aor kuch kapray hain. Gin kee qeemat takreban $300 ho gee.

Kia me labor kay tools rakh sakta hoo ya sell kar sakta hoon ta kay .?


Dealings and Transactions
ID: 1273 | Date: 2020-12-28
Interest received from Savings/CD Account to Poor

Asak Mufti Saab,

Currently i have a checking account with over $50K in it, i get minimum interest 0.1% in this account and i donate that money to poor in india. I dont have any option but to have checking account.

As you know there is so much poverty in Indian Muslims i was thinking if i can keep this $50K in Savings or CD Accounts and get Interest of 3% and donate completely to poor...this way i can donate more instead of leaving money for Banks.

Please let me know if i can do this ? or any other approach permissible in Shariah.


Dealings and Transactions
ID: 1262 | Date: 2020-12-02
Questions Regarding Financial Matters

Assalamualaikum Respected Muftis,

1.) Is it permissible to purchase stocks (Employee Stock Purchase Plan) with Equifax, Experian, or Transunion? These three companies are the major credit bureaus in the United States and I want to know as an employee of any of these three companies, is it permissible for me to buy stock in these companies?

2.) I send my brother money back in Pakistan to spend on his wife and children and himself every month for the past 10 years and I continue to do so. He does not want to look for a job because he makes excuses that he will not work for little money and is always searching for short cuts or jobs with high pays and that is why he has been jobless for so long. He is mentally and physically in excellent health but refuses to work to support his family. Is this money I send to him to support him and his family considered Sadaqa or Sadaqa Jaariya?  

3.) Can you please tell me what kinds of Sadaqa Jaariya can I invest in during my life in this world? 

JazakAllah Khair.

Dealings and Transactions
ID: 1260 | Date: 2020-11-29
Buy house with Guidance Residential


I bought a house in Southern California with Guidance Residential finance company,

They told me that all terms and conditions are approved Ulama , 

Now some of the conditions when I buy out , or do refinance , or I sell the house, are doubtful.

Please guide me , are mulslims in  USA are permitted , that they can buy house with Guidance Residential .



Dealings and Transactions
ID: 1257 | Date: 2020-11-23
Business dealing with father

Assalaa Alaikum,

Many years ago I started a business with my father in Pakistan. Alhumduliallah my father bought a lot of property and I paid for all the properties. Later my father sold a lot of the property, but never shared the profit with me. Once I noticed that I will not be given any profit from any property I stopped investing with my father. None of the properties that I paid for are in my name infact some of the properties that I paid for are in the name of my sisters. Later my father transfered a piece of property in my name that I paid for originally from my pocket and said that in 10 years from now this property will be equivalent to the amount of money you have invested with me. Also, the property that he transfered in my name had a loan that I had to repay worth 21 lakhs. Is this type of business dealing halal or haram? My father believes it is halal becuase he heard the hadeeth of Prophet (peace be upon him) where SAW said to a son you and your wealth belong to your father. Pleas advise.

Jazaak Allah Khairun.

Dealings and Transactions
ID: 1253 | Date: 2020-11-11

Asalaam Alaikum wa Rehmatullahi wabarakatohu,

My question is regarding inheritance. I would like to know the distribution of the shares in the following cases:

case one:

mayyiat has one wife, one son,  one daughter .

case Two:

Mayyiat has mother, three real brothers and three brothers from father's side. A wife, one son and one daughter.

Jazak Allah Khair 

Dealings and Transactions
ID: 1245 | Date: 2020-10-27
Do gifts need to be given to children equally?

Assalamu Alaykum, 

I would just like to know whether parents must give gifts to their children equally. Say one kid graduated college, and the parents give him a car. Must the parents give all children equally in that they all need to get the equivalent of a car? Or is it that he must give them each a car when they graduate? Also, if one child as an adult disrepsects, curses, and acts evily towards parents, are parents still required to give an equal gift to that child? Also, if a kid is getting married, can they get more gifts than other children at that time? Also, say a mother has lots of gold. If she is giving it to the children once they are adults, and one of the siblings is very evil and curses the parents/ psychologically abuses them, do they still get to have some of the gold in gifts (not talking about the will, just gifts)? Sorry for all the detailed questions. JazzakAllah Khair!

Dealings and Transactions
ID: 1240 | Date: 2020-10-23
Inheritance Questions

Assalamu Alaikum,

I am writing to ask a few questions regarding Islamic inheritance rules and would appreciate your advice/fatwas on them.  May Allah reward you handsomely for the service you provide to the Muslim Ummah.

We are an older Muslim couple trying to do our wills in a way that is pleasing to Allah (swt).  Alhumdillilah, Allah blessed us with assets in real estate, vehicles, bank accounts, and 401(k) accounts.  We are in a unique situation where I (the husband) converted to Islam in later life and have no relatives who are Muslim.  (I have 3 siblings, 3 sons, and 6 grandchildren, all of whom are non-Muslim.)  My wife (born Muslim) has a daughter who practiced Islam as a child Islam but, as an adult, stopped practicing and married a Christian man.  She had 2 children by him; 4 and 6 years old who are being raised in a church daycare.  It is not certain if they will follow Christianity or fwill not follow any religion at all when they grow up.  My wife’s daughter states that she does not believe in “organized religion.”  However, she still refuses to eat pork!?!

Question 1.   We have named each other as the beneficiary for our 401 (k) accounts. By secular law, when one of us dies, the other gets the account. Is that OK by the Islamic inheritance laws?   Are the 401(k) assets considered part of our “estate” for calculating the 1/3 and 2/3 fractions and individual shares Islamically?

Question 2.  Some of our real estate, vehicle, and bank accounts are jointly owned “with right of survivorship;” i.e., they will automatically become the property of the surviving spouse by secular law, without being part of our nominal will.  Is this OK by the Islamic inheritance laws?

Question 3.  My wife has a sister who left Islam, and an overseas brother with family who may be considered “Muslim” because they were born into a Muslim family, but they do not practice at all.  My wife and her brother are not in a good relationship due to the brother cheating my wife out of her inheritance from her parents.  It’s certain that he will not assume any responsibility for my wife (his sister) in the event that I die before my wife.  She will be on her own, taking care of all her own finances.  No one in her family will help her financially or otherwise.

The questions are (a) Should the brother who has never prayed or fasted be considered a valid Muslim heir regardless of his lack of relationship with Allah or his sister? And (b) if not, and if my wife survives me, she would have no Muslim heirs.   What guidance should we follow for distributing the 2/3 of the estate that would normally go to Muslim heirs?  (We support several charities while living and would be naturally inclined to give the estate to them.)

Dealings and Transactions
ID: 1228 | Date: 2020-10-16
Inheritance Distribution

Assalaam Walaikum,

I have a question regarding inheritance and it will be very helpful if it can be answered.

Our father passed away and we did not know that our grandfather was entitled to 1/6th of the property our father left behind so this was not accounted for when the property was distributed. It has been 3 years since our father's demise and our grandfather is also no more. He passed away a year ago.

Now, it has been brought to our attention that our grandfather's share should be divided between my father's siblings. Does this hold true? Our uncles/aunts have brought this to our attention 1 year after our grandfather's demise. As he is no more should his share be taken out now? Should it be given to my father's siblings? If the share needs to be taken out, will it hold for the properties sold before my grandfather's demise and for the ones that are sold after his demise as well? Please help us make the correct Islamic decision here.


Dealings and Transactions
ID: 1221 | Date: 2020-10-15
Is 0% APR for Car Purchase Permissible?

Assalamu Alaikum,

My question is as follows:

If I want to purchase a car on 0% APR as advertised by auto car showrooms like Toyota, Kia, etc, is that permissible?

JazakAllahu Khairan.

Dealings and Transactions
ID: 1220 | Date: 2020-10-13
Health Savings Account


My employer is offering me health savings account as a form of helth insurance. Is it permissible?

Dealings and Transactions
ID: 1216 | Date: 2020-10-08
Question Regarding Heritage of Brother


I have a question regarding the inheritance of my brother. 

We were three brothers, and my elder brother has two sons. 2 years back, my elder brother passed away. At the time family was mourning and we did not bring up the topic of inheritance. My father was alive at the time. My father then passed away 1 year back. Now that the topic of inheritance has come up, me and my younger brother believe that we have a share in our brother's inheritance through our father.  We believe our father (since he was alive at the time of our brother's death) was entitled to 1/6th portion of our brother's inheritance. And since he is not alive anymore, that 1/6th portion would then go to our father's children (which would be me and my younger brother). 

My nephews (children of my elder brother) now say that we do not have any claim on inheritance from their father as the person to have actual claim would be their grandfather (our father) and since he is no longer alive, he would not have a share. They also say that any claim on inheritance should have been nought forward before their grandfather's (our father's) demise and that their grandfather would not have wanted a penny from their father's money. But no one can know what he did or did not want. 

Please guide us.


Dealings and Transactions
ID: 1203 | Date: 2020-09-24

السلام علیکم ورحمۃ اللہ وبرکاتہ 

کیا فرماتے ہیں علماء اس مسئلہ کے بابت؟ 

 میرا پرنٹنگ پریس کا کام ہے حالیہ طوفانی بارشوں میں پریس میں پانی آگیا تھا جس کی وجہ سے پریس (کاغذ ودیگر سازوسامان سمیت) مکمل تباہ ہوگیاتھا

پوچھنا یہ ہے کہ جو کاغذ پبلشرز ہمارے پاس بھیجتے ہیں جو کہ پبلشرز کی ملکیت ہوتی ہے ہمارے پاس صرف پرنٹنگ یا کتاب بائنڈنگ کےلیے آتی ہے کیا حادثاتی ضائع کی صورت میں ہمارے ذمہ ضمان ہے؟

اس پیپر کی نوعیت ہمارے پاس کیا ہے؟


Dealings and Transactions
ID: 1201 | Date: 2020-09-23
Issuing Divorce More than 3 Times


If a man verbally gives a divorce to his wife, up to or more than four times, in islam, did the divorce happen between the couple?

Dealings and Transactions
ID: 1200 | Date: 2020-09-20
Buying house

Assalam u alaikum , I am writing this question about buying a house . I am living in Canada and originally belongs to Pakistan . In Pakistan I was living in my fathers house . In Canada I am living in rent house and was Looking to buy house . As interest is involved while going in mortgages , but there is also no other way in Canada that one can own a house in start without going on mortgage . Can you please advise in this regard whether I can buy house on mortgage or it will put me in interest paying situation . Jzk 

Dealings and Transactions
ID: 1199 | Date: 2020-09-17
Khula’ from Court


Assalam U Alaikum,
i'm in a situation where my wife has left abruptly from Pakistan without informing, i think she might be seeking divorce through court in Illinois. We got married in masjid in Pakistan, a year later registered it in Pakistan Identity database. We are not married in USA even tho we are both citizens. Also i dont think we have reason to divorce and might be best to mediate things or issues however due to all communications have been blocked i'm unable to do so. She wont let me see my child or speak to her instead asks me to contact her father who has threatened me in the past and still does. We also have a 1.5 year old child. We are both Sunni Muslims and dont have preference towards any secular division in Islam. I am still in Pakistan.
She has problems with my family which i know didnt happen directly to her and still i would listen and end problems for her but she picks them to move to a different house or move to Chicago where her parents live. Biggest problem for me is her family because after a long day of work i come home, spend time with kid and family. After dinner at 9 onwards i spend time with my wife however her family calls her everyday from 10pm to 2am (Because there is a time difference) and if i object or ask for time then she would be abusive or treat me with disrespect. After the phone calls she would bring up old arguments or something she believes in happen one sided. I even got her own floor to stay with 2 bedrooms where none of my family members would be allowed for her privacy but she still picked up fights to run away without informing me in the middle of pandemic.
1. Getting a divorce in illinois would be same as getting divorced in Islam ?
2. If in future she does get divorced in illinois, can show the document and have Nikkah again ?
3. Which organization in USA grants a wife "Khula" ?
4. Would you be able to provide me with an endorsed letter to these questions if required so i can email her the facts ?
5. How can we ever trust each other with so many people from her side steering her to do wrong against husband ?
6. Is it best to give up and just end it ?
Thank you
Dealings and Transactions
ID: 1198 | Date: 2020-09-17
Divorce During Menstruation

Assalam o alaikum,

I had been married since 2002. We have two young kids ages 11 and 8. 
Back in 2005, my husband had said divorce once but since I was on my period, the shaykh had said it had become invalid.
My husband wants legal separation now in 2020 according to the American court system. I would like to have a fatwa for this. 
What is the American legal separation mean in Islam
I need to know if legal separation according to court is considered a valid divorce according to Shariah. 
Will the previous divorce count
Do I need to do iddat when the court grants us legal separation
Thank you
I am looking forward to hearing from you
Dealings and Transactions
ID: 1197 | Date: 2020-09-17
Selling Blood of the Animal after Zabihah


Assalamu Alaykum, I hope this reaches you in the best of health and eman.
My company and I are trying to setup our own slaughterhouse. So I would like to know before hand what are the rulings on dealing with the blood. Right now with our current slaughterhouse the blood goes down the drain. At our future slaughterhouse location that may not be possible due to regulations. We plan on collection the blood in 250 gallon liquid totes. Then the blood would be carried away to a land fill to be disposed of. However I have had a company contact me wanting to buy the blood. Please see link below for the their website for more information about what they do with the blood. Other options we have to deal with the blood is to sell it to be used in dog food or to be used by fisherman to help catch fish. All three of these ways we could sell the blood to help bring down overhead costs thus making the halal meat more affordable. Please let me know what is and what is not ok to do as far as the shari rulings go regarding the blood of goat and lamb. 
Dealings and Transactions
ID: 1196 | Date: 2020-09-15
Dakar deduction for a specific kind of business

Aslamo Alikum!

Me & my partner want to establish a construction business with below terms & condition.

1)- I will provide 70% amount to start business.

2)- My partner will provide rest of 30% amount after 3 years to strengthen the business further.

3)- To purchase land, construct house & then selling it all responsibility would be on my partner shoulder.

4)- No party can take out the original investment or profit for 8 years in order to make sure to invest this amount again & again same way to give the shape of business as a company.

5)- Both partner would own company 50% each in case of any dispute.

Now my question is what would be zakat procedure either we have to pay every year on 2.5 % of profit that we earned each year or ?

Waiting for your guidance.



Dealings and Transactions
ID: 1186 | Date: 2020-09-11
Division of Inheritance During One’s Life


Ramadan Mubarak; may Allah SWT accept your efforts and intention in this holy month.


I have a question that I need help with; it has to do with  allocating my IRA assets during my life time and inheretance. It is easier to write you the details and then call to discuss and get an opinion/answer. Just calling on phone would take too much time and will be hard to explain as well.


We have two unmarried adult children (daughter 33 years old, son, 31 years old), working and living independently. I am 72 years old, retired now but work part-time to keep myself busy and earn some income to supplement retirement income. 


- We have a home that we live in. Upon our deaths, it will be sold by the children and proceeds distributed according to Quranic rules (2 shares for son and 1 for daughter), in shaa Allah


- I had an IRA account for a certain value in my name.


- Several years ago, I split that single IRA into 4 separate IRA accounts in my name. Three of them (equal in value) have individual names as sole beneficiaries (my son, my daughter and my wife). The 4th IRA is for my sustenance and has all of the three listed as beneficiaries. The remaining amount will be distributed according to Quranic laws (wife, son and daughter)


- My logic in doing so was to gift each of the 3 of them equal amount during my life time and then also get shares from the one where they are listed as joint beneficiaries.


- To clarify, let me give an example: If my original IRA was $100. I split that into 4 IRAs as follows: 

(1) $15 (my daughter is the sole beneficiary) 

(2) $15 (my son is the sole beneficiary) 

(3) $15 (my wife is the sole beneficiary)   

(4) $55 (my son, daughter and wife are the beneficiaries)   


- Since I have gifted the first 3 IRAs during my life, I never have (and never will, in shaa Allah), touch or use any amount from these three IRAs. Upon my death, each one of the beneficiaries will claim their own IRA that I had gifted them during my life time. My children and wife know well that each of them have one of my IRA that they own and will get the funds after I die. Children and wife do not need the funds at this stage in their lives but will need them after I die. 


- Whatever is left from the 4th IRA (when I die) will be divided among 2 parts 1) One-third that I want to give to charities 2) 2/3rd to be distributed to the 3 beneficiaries. Since I had not gifted this amount during my life time, the distribution of the 2/3rd. will be done according to Islamic inheritance rules.


Is this correct from Islamic perspective?


I feel it is no different than the situation where if I owned a home and gifted them to the three beneficiaries (wife, son and daughter) during my lifetime but continued to live there with the stipulation that they will have the ownership and disposal right after I die.


I will appreciate if you can please respond by email or let me know what will be a good time to speak with someone on the phone about your advice and answer.


Jazak Allah khair,

Dealings and Transactions
ID: 1185 | Date: 2020-09-10
Nikah Without the Permission of the Girl’s Wali

Assalaamu alaikum wa Rahmatullah Mufti Saab,

The question is regarding the validity of marriage.

Five year ago, I liked the girl and she also liked me. I sent the proposal for marriage through parents. Initially, her parent's resisted and somehow, they agreed for marriage after the girl talked with the parents. Within a couple of months, we got engaged.
Due to financial conditions, our parents decided to postpone the marriage for a couple of years. In these years, we used to meet a lot and somehow, we got to know that it is not legal to meet even after engagement.
I got to know from the Imam of a nearby masjid that, girl can marry a boy in the absence of her father/brother if they are adults.
We chose her step-cousin as her vali and one of our friends became qazi for marriage. Mehr amount got decided between us. So, basically we got into nikah without any paperwork and our parents weren't aware of this nikah. (Just to be clear, our parents agreed for our marriage at that time).
Now in the present scenario, the girl's parents want to cancel this marriage. Girl tried to convince her parents and even my family and I tried to convince them. They are not agreeing for the marriage. Now, the girl wants to proceed with her parent's decision and now she believes that our marriage is null and void as she watches some sheik's videos online. I didn't get any scenario for the continuation of this relationship.
Now, I'm confused. Is this marriage valid and Do I need to give divorce to her for this marriage?
Kindly provide me fatwa in this regard.

Jazaak Allahu Khairan Kaseera!
May Allah bless you for your service for the ummah. Ameen! 

Dealings and Transactions
ID: 1182 | Date: 2020-09-05
Marriage During Safar and Muharram

Assalamu Alaikum,

Islamically is there any time during the months of Safar and Muharram to avoid getting married?

my sister is planning to get married but was told to avoid these months. 

is 10/10/20 a date that would be an issue?

is there a preferred day of the week Islamically to get married like Friday? please guide us.

JazakAllahu Khairun

Dealings and Transactions
ID: 1179 | Date: 2020-09-03
Options stock trading

Assalamu alakum I was wondering if trading stock options is permissible. If you are experienced and and know what you are doing is it halal?

Dealings and Transactions
ID: 1178 | Date: 2020-09-02
Since marriage wife is not interested in sex

Assalaam Alaikum,

 I am married for the last six years, I love her. The only time I find her interested in sex when we wanted the 1st baby, Now many months passes with no sex. Now even I have stopped asking for sex anymore. She always has a reason saying I have to pray and will have to take bath, she only takes bath on Fridays.

We hardly have sex, I have been doing lot of masturbation and lately, this is so much increased and I am feeling it will affect my health. I know it not permissible in islam but I tried fasting and all other things its six years now.

When I complain and say that I have needs, she asks me to bring one more wife. She says that because she knows I can't, because of laws in US and my financial condition. I love my kids a lot and want them to have a good family life as I got back in India. I don't even want to divorce her. And she knows I will not cheat on her.

I really need some suggestions other than fasting and patience. My patience is ending six years and counting. The is nothing that can be done from her, I gave up there tried everything.

Dealings and Transactions
ID: 1176 | Date: 2020-08-30
Property Distribution

 Asalamualaikum Mufti Naval Ur Rahman Sahab,

May Allah bless you with health and wealth, Ameen.

I have a question regarding distribution of property and rights of property.

My paternal grand parents (dadi and dada) ka inteqal ho Gaya.

Friends and good people kay through Mere Walid aur Dada(grand father) ko 5000rs mein land milgayee. It’s been almost 40 years ago in Hyderabad. Zameen kay paisey dada diye.

USs Zameen par jo mere dada( grand father) ki thi uss par mere walid ghar construct karey. Mere Walid unki khud ki zameen bhej kar grandfather ki zameen par ghar banaye. 20,000rs ka plot bhejkar mere Walid ghar banaye.
Mere Walid Bahut mehnat say Ghar banaye. Mere Walid bade bhai hai aur Sab log Chote they. Mere Walid bahut saal Ghar ka Kharcha uthaye aur bahut mehnat ki bhaiyoon aur behenoo kay Saath. Mere dada( grand father) ki Naukri nahin thi.
Yeh log village se aaye aur Hyderabad mein settle hue. Lekin USs ghar mein thodey hi saal rahe aur Kiraaya kay ghar mein move hogaye(4 years) kyunki ghar Bass nahin ho raha tha aur karobar se door hojara tha.

Khushi aur aazmat se mere Walid woh Ghar dadima( grandmother) kay naam par karey.

Lekin ab mere 2 chacha aur ek Phuphu Dusroon Siblings ( brothers and sisters)ko hissa nahin dena chahrey. Bolrey ki ghar nahin sell hoga, hissa nahin milega. Woh aaj 1 crore approx ka ghar hai.

Iss Surat mein court case karsaktey? Shariat mein ijaazat hai kya?

Zyada Duniya ki mohabbat aur Allah ka darr kam hogaya aur sab log Ruth Gaye. Bhai aur behen mein mohabbat nahin rahi.

Agar woh log maan Gaye aur ghar bhejdiye Iss Surat mein mere Walid ka kitna haqq banta USs Ghar par.

Kitna hissay mere Walid ko milengey, aur mere 4 chacha hai aur do Phuphu.
In total- 7 siblings.

Pleases keep dua for us and please give something to read so that there is unity in siblings and they distribute the property to all the siblings.

Mere Walid ko unka haqq mil jaaye inshallah iss ka koi wazifa bata Dey.

Second problem**

Mere Walid mere dada kay pass 5.5 lakhs rupees liye they magar Lauta nahin paaye . Ab kya karey?

Woh paisa bhai behen mein distribute kardena ya sadaqah kardena unkay naam se.

Jazakallah khair!! May Allah give you immense reward for you and your family.
Thank you so much!


Dealings and Transactions
ID: 1175 | Date: 2020-08-30
Not sure if there was a valid Nikah

Assalamu alaikum, 

I need help figuring out if there was a nikah or not. In 2013 I planned to marry a man (Hamada) I had met on the internet and known forr 5 months. We planned a civil marriage in Italy which couldn't take place due to his residency papers being out of order. We went to the restaurant anyway because it had been prepaid and hosted the people who came for dinner. At this dinner a friend of his came over and recited some Quran verses and then later Hamada says we are married. I did not sign a contract, and I did not have a guardian/wali, and at the time I was Catholic. I was married once before and divorced. Wouldn't I have to give agreement verbally? I also received no Mahr, didn't even know I was supposed to receive it. Hamada also never gave me any money, it was the other way around. I sent him some money when he lost his job once and then because I had promised to help with his dental work. I returned to the states after that trip and Hamada became a stalker and very jealous, and after 9 months of his emotional abuse (documented on Whatsapp and Viber) I told him it was over and have not heard from him in many years. 

If I become a Muslim and accept Islam do I have to get an islamic divorce from him? Was this a valid Islamic wedding?

Many thanks, 





Dealings and Transactions
ID: 1173 | Date: 2020-08-27
Cash back and Opening bonus permissibility on credit card

I am thinking about opening a credit card it's from a major bank that does deal with interest and was wondering the credit card they are offering that has

  • No annual fee
  • No interest for 15 months 

but upon opening offers 1-5% cash back for every purchase and a $200 opening bonus

(It's the chase freedom unlimited)

 Am I allowed to use the cash back and spend the $200 opening bonus for either myself or charity? 

Dealings and Transactions
ID: 1168 | Date: 2020-08-21
Free products after Amazon review


Some sellers from amazon offer me to buy products from them and ask me to review those with 5 star ratings, once reviews are posted they refund the money via paypal, they are called this testers.

please suggest me in light of quran and hadith, if reviewing those products and getting those products free from them are permissible.


Dealings and Transactions
ID: 1167 | Date: 2020-08-20
Confidential Fatwa Request - Talaq E Raji

Salaams Shaykh

May Allah (SWT) preserve you for the Deen.

Unfortunately I recently (3 weeks ago) issued my wife with a Talaq e Raji ie. one revocable (my first) divorce. I had full intention and still have full intention to reconcile during the 3 months.

Two days after issuing the Talaq, i revoked the Talaq by sending her a message which she has confirmed that she has received
My wife however was hurt and moved in with her brother and has not wanted to have anything to do with me since

Two days after issuing the Talaq, i revoked the Talaq by sending her a message which she has confirmed that she has received and has discussed the fact that I did tell her that I revoke the divorce with 2 people (an elderly independent Muslim couple whom we both trust). I have also told her brother.

I wish to obtain your Fatwa on the following:
I have clearly revoked the Talaq after 2 days. Does my wife have to agree to reconcile in order for the revocation (raji) to be valid. ie. Is my nikah still valid if after 3 months if she does not come back to me or does not want to reconcile?

Jazakallah Khair

Dealings and Transactions
ID: 1163 | Date: 2020-08-13
Considering Wife’s Income as One’s Own

Assalaamu Alaikum.

Since before I got married, I’ve had taught children from home. I continued to do this after I got married.
The money that I was able to save up I have been able to use when financial situations were difficult at home or used for outings and trips for the children. Throughout my marriage my husband keeps saying that the money I earned is only because he allowed me to and it technically doesn’t fully belong to me. Is this correct? When we travel abroad to India we have always used the money I saved as spending money anywhere from $5000-$7000 a trip. I always feel scared to ask him for any part of it back because I know he feels he’s entitled to that money because I earned it while being married to him.
As of recent I had given my husband money that I saved up to purchase property for me and register it under my name. He just told me that he has registered the property under his name and anyways the money I saved up is because of him so it belongs to him anyways.
I’m always having a hard time speaking to my husband On this matter because he is very strong opinioned and doesn’t care to hear what I have to say. He continues to say that I had nothing before I got married and only after I got married I was able to save because of him. What rights do I have over the money I earn after marriage?
Further more when people gifted my children money I always have saved it. Alhamdulillah I was able to save over $7000. My husband recently had said he wanted to use that money and would put it back. He has used the money but has no intention of putting that money back. That money was being saved for the children’s future use. I know the wealth of the child belongs to the father. So I just want to know if he said he would put it back and doesn’t, is this wrong? 

Dealings and Transactions
ID: 1162 | Date: 2020-08-12
Inheritance and Property Given as Gift (Hiba)

Kya farmate hain ulmaiy deen k. Meri walida (M) ka ek khita makan tha. Hum (3) bhai aur (4) bahhein, ek ka biyah walid ki hayatmae ho gaya tha. Doorsi jaidad faroqt hone k baad doosri ka biyahwalid k inteqaal baadhua--as jaidad mae sirf bade bhai ye kahkar k muhje is makan mae hissa ha woh jaidad (zameen) muhje dedo. Walida (marhooma) k kahne parhamne dast banderi kerli.

Phir is khitta makaa ka ek hissa farooq karken aur kuch unhen jahez maede kar biyah kardiya gaya. Aesa baad choti bahaan k biyah walida (m) phir makan ka ek hissa farooq kar k karna tha. Hum dono bhai aqrajat utha kar biyah kar diye aur faroqt ova hahe diya.

Walida (M) apna hayat mae kah deen k ab ye makaam dono bhaiyon ka hai, ek partition unhoon he gift deed mere naam kardi (1987 mae) jo baad mae mai he apne bete k naam transfer kar di. Badi bahan halaat ki bina per hamare ghar rahne aagaye aur koi 40 saal mustafeed hote rahe, hama he doosre hissoun ka kinaya bhi unhem de diya.

Ab huma isa faroqt karne ka faisla ka dhike. Barahe karam batayen kya hamen koi hissa bahnon ko dena chahiye? Agar haan toh kitna? Az rue shara batakar manuhoonva mashkool karem.

Question 2: 

Mere (2) ladke aur (2) ladkiyan hai aur ek rafiq safar. Kya mere is matroke mae yeh hissa darhonge? Mai kaise taqseem karooh?

Walaykum As'salaam,

Dealings and Transactions
ID: 1153 | Date: 2020-07-27
I am a Sunni Girl wanting to marry a Shia Boy


I am a Sunni girl wanting to marry a Shia Boy but my father who is my Wali is completely against it. He and I want my father's permission and blessing to move forward. My to be Fiance believes in a very simple form of Shiaism and that is to love the Prophet and his family and to recognize the Imams but never put the Imams before our beloved Prophet. That is all he is not contradicting any Sunni belief. Is it still permissible? 

Dealings and Transactions
ID: 1150 | Date: 2020-07-22
Stock market

In stock they give you margin to use and we have to pay 5% to use the margin is it permissible ?

Dealings and Transactions
ID: 1149 | Date: 2020-07-21

My sister lives in pakistan and is pregnant and under her mother in law’s pressure her husband gave her Talaq 3 times long ago I heard pregnant women can’t get talaq I dont remember where exactly but I wanted to confirm it because her husband feels apologetic and wants to fix it. I didn’t know who to ask. If you have any idea or can recommend where i can get an answer please let me know. jazakallah

Dealings and Transactions
ID: 1147 | Date: 2020-07-19
Sexual intercourse before rukhsati

Assalamualaikum wa rahmatullahi wa barakatuhu. 

I hope this reaches you in the best of health and Imaan. 

I wanted to ask a question regarding my friends marriage, as she has just recently gotten married. She did nikah but the rukhsati has yet to happen, and her husband wants to start their physical relation before the rukhsati. Islamically the girl is not allowed to decline her husband when he calls her for this but my friend doesn't want to do it cause her parents told her, it shouldn't happen.

What should my friend do in this situation?

please respond asap

this is urgent


Dealings and Transactions
ID: 1145 | Date: 2020-07-17
Bitcoin auto-trading program called Bitcoin Era - Is it permissible according to Shariah?

Bitcoin Era lets you profit from all of the cryptocurrencies, even in a bear market. It uses artifical intelligence (AI) to automatically handle long and short selling for you so you can make money around the clock,

Dealings and Transactions
ID: 1144 | Date: 2020-07-15
About halal job

Assalamu Alaikum.

Hazrat, I am an expatriate. Those of us who are expatriates here have a question about our workplace. That is, we can work here at Dunkin 'Donuts, McDonald's, Wal-Mart, or some such grocery. All these shops sell haram things just like our daily necessities. In addition to clothes and vegetables, pigs are also sold. For instance, Dunkin Donut is a common fast food restaurant. In Dunkin Donuts, the food choices also consist of pork sandwiches. There is a fast-food restaurant called Popeyes where chicken is sold but the chicken is not zabiha halal. The other two items have a mix of pork. Now some people say it is haram to work here, some people say it is permissible to work in these places. Now the question is will it be halal for us to work at these places that sell haram things such as, Popeyes, Dunkin Donuts, McDonald's, Walmart? Please give us a solution. Where do we work? 

Dealings and Transactions
ID: 1141 | Date: 2020-07-10


Can u please  give answer according to sunni fiqah hanafi.  

I will be grateful to u .

Hamara  koi jhagra ny hua tha . 

Once my husband  had  said in the past i am going to divorce you now. 

I was worried ke is se talaq na hui ho . 

Mere husband mujy samjhane lage. Going to future ka sentence hai. 

Samjhane ke doran unhon ne main tume talaq deta hoon kaha to main ghbra gyi  is se talaq na hui ho . 

 Maine husband se  kuch der bad  kaha ke  aap ne samjhane ke Doran main tume talaq deta hoon kaha tha.  

Unhain gussa aya  clear krnay lage main kyn kohon ga main tume talaq deta hoon 

Maine nahin kaha main tume talaq deta hoon 

Main pagal hoon jo kohon ga main tume talaq deta hoon. 

He also  said  wo going to ke baray main samjha rehe they

  Phir thori dair chup rehnay ke bad unhon ne aik martaba main tume  talaq deta hoon kaha.  Unhon ne is bar kuch  add ny kia main aisay kyn kohon ga ya koi or bat . 

Unhon ne sanjeedgi main ya mazaq main ya alfaz mujhe ny kahae 

He did not  direct these words to me. He narrated the words i said.

He mentioned the words  i said . 

Kia is se talaq waqai  to  ny hui . 

Dealings and Transactions
ID: 1140 | Date: 2020-07-10
Business Takaful Insurance in United States Problem

Qordata is a Shariah Compliant company engaged in selling of I.T Products and Technical Services. We have our offices located in United States and Pakistan. Business income is derived by selling I.T products and services to customers who are based in United Stated. Majority of the customers in United States want Business Insurance of different types such as Cyber Security Insurance, Professional Liability Insurance, Data Security Insurance etc from Qordata for which Insurance Covers amount from 1M USD to 10M USD which is a business norm in United States.

Since, Qordata is a Shariah Compliant company we had reached out to maximum Insurance Providers in United States to provide us Islamic Takaful Insurance Coverage but there is no such Insurance Company in United States which provide Islamic Takaful Insurance Coverage. Due to this significant hardship, we have loss various clients and revenue contracts which translated into huge financial loss for the company.

We had also tried to reach Takaful Providers in United Kingdom but they had denied our request because we do not possess a registered office in United Kingdom.

Out of various insurances required, we managed to secure one Takaful Coverage from Takaful Pakistan Limited but same insurance coverage which would have costed us $200 to $300 per year in United States for 1M USD, it costed us $15,000 to get the same coverage from Takaful Pakistan Limited. Secondly, even if we are able to claim this Takaful amount from Takaful Pakistan Limited we would have to receive this payment first in Pakistan and then send it to United States for which we would have to pay approximately 30% of this amount as Tax to State Bank of Pakistan which is a huge financial loss for our company and it may even cause to cease our operations due to Cashflow crunch. In short, this option is not only financially viable for our company but it can also cause bankruptcy to our company.

In a nutshell, avoiding Business Insurance Coverages due to unavailability of Islamic Takaful Insurance Coverages in United States are causing significant hardships in continuity of our business. In this situation, can we opt for Business Insurance Coverages available in United States in accordance with Shariah?

Dealings and Transactions
ID: 1138 | Date: 2020-07-04
Divorce through US courts

I did sign a paper for divorce asked by my wife through US courts and courts approved it now i have a question is my divorce took effect or it is only one talaq counted   

جزاک اللہ خیر 

Dealings and Transactions
ID: 1129 | Date: 2020-06-25
Is Bitcoin Halal

is bitcoin or krypto currency halal?? . My husband is thinking to buy some shares at bitcoin . I am not sure if it is halal or not before buy any . Please give us brief description about bitcoin of being halal or not so i can referr anyone in future too . As there are so many videos online shows that bitcoin is neither hala or haram.  I heard from some people that its haram but they have no reference of proving that .. It would be very greatful if that can be explain with valid reference under the light of hadith and Quran.  

Dealings and Transactions
ID: 1120 | Date: 2020-06-13

As salaam aleikum Brother,

I have a question about inheritance. My father left us to meet Allah subhanuwatala. He left behind $25000, his wife, 5 daughters and two sons. How shall the wealth be distributed. He has no parents and no siblings alive.Hoping that you will help us to distribute in shariah way.

Jazakallahu khair

Dealings and Transactions
ID: 1108 | Date: 2020-06-08
question about 401k retirement plan


I have few question about my 401k retirement plan here are some details;
My employer contributes 3% of my weekly paycheck into my 401k retirement plan, regardless i contribute in it or not.

Question1, is it permissible for me to take and use this money, thinking as gift or benefit from my employer with 0% contribution of mine?

Question2, also if i contribute 3% of my weekly paycheck (voluntary) into 401k, my employer still contribute 3% of my weekly paycheck, is this condition right to for me to contribute?

Question3, also if i contribute 6% (voluntary) of my weekly paycheck into my 401k, than my employer contributes 9% of my weekly paycheck into 401k. is this condition right for me to contribute too??


I have no information and not possible to get the information about where they spending my money if i contribute.
But even if i contribute 0% they still contribute 3% of my weekly payckeck into my 401k.

Now which condition is allowed for me according to Quran and Sunnah to contribute or do not contribute, to take advantage of this retirement plan, and is this contributed money is permissible for me to take and use when needed.

If you have any question, you can email me on amadquddos@gmail.com

Thank you.

Dealings and Transactions
ID: 1099 | Date: 2020-05-26
Online order

As salám alay kum, mufti saheb

I live in saudi arabia, I have ordered online a smart watch and there was an offer of free Bluetooth headphones with the smart watch which came as a defective product was not working when I complained they apologized and gave me reimbursement of 100 Riyal as per customer service gesture, after 2 months I checked on internet about the problem of the head phones and tried updating the software of the Bluetooth headphones which fixed the issue now my question is the 100 riyal which I received is legal for me to keep it or use it, the headphones were not working when I received but later after updating the software and the settings it started working. 

Dealings and Transactions
ID: 1097 | Date: 2020-05-25
Islamic Mortgage - Buying Home

Assalamu Alaikkum, 

May Allah bless your organization and everyone who is working to serve our muslim community.  Alhamdulillah, I have been living in TX, US for past 13+ years.  I am married and having two kids.  Since then we have been living in apartment by paying rent. Now the, rent is going up almost every time we renew the lease, we wanted consider buying a house. Also, kids have grown up , we need bigger place as well. 

As we all know, there are few Islamic banks in USA who claims to provide islamic compliance loan for buying home. I am very reluctant to consider, partly because of lack of knolwedge to understand their model against islamic law.  I am seeking your help in assisting this matter. 

So, here is my question?

1) Are there any islamic mortage loan available in USA?

2) If yes, can you please recommend few? ( Everyone claims we are fully compliance. It is very difficult for normal people to decide whom to go)

May Allah guide all of us to take right decision in this matter.





Dealings and Transactions
ID: 1095 | Date: 2020-05-21
Building a house in Illinois using conventional loan with intention to refinance to Islamic loan

Assalamualaikum Respected Ulamaa,

I would like to know the following:

We would like to build a small (equal to or less than 1200 Sq feet) house in the state of Illinois. We have contacted all Islamic Interest-Free Loan companies and none of them are offering construction loans. We have purchased twice using these Islamic interest-free loan companies but had to sell our homes both times because we have a child with special needs and the houses both times did not meet our needs. We have spent the last 5 years looking at houses in the area (close to jobs, special education school) but unforunately have not found a house that meets our needs for our child with special needs. We need a very small home with some specific accomodations but we are unable to find one in the last 5 years. Our children are getting older and they need a place to remain stable. We were interested in building a small house according to our needs but since no Islamic company offers construction loans, we only have the option of conventional interest loans in the area. We wanted to know if we took a construction loan from a conventional bank (UnIslamic), and after our house is built but before we took posession of it (before we move in) we wanted to refinance the loan from an Islamic Riba-free bank so that our loan becomes riba-free. Please advise if this will be permissible to construct home on a conventional loan and then refinance it to an Islamic interest-free loan once the house is completed construction and before moving into it.


Dealings and Transactions
ID: 1093 | Date: 2020-05-21
Separation from parents after marriage

Assalamu alaikum warehmatullahi wabarakatahu, 

Myself zubair dastageer got married 9 months before. There has been some mis understandings between my parents,family and my wife. Resulting which my wife is requesting me to get separate from parents as  joint family and start living seperately. I want to know what rights my wife has and if she is not at all ready to move in with my family what should be i do next...

Please let me know  at earliest....

Dealings and Transactions
ID: 1089 | Date: 2020-05-19

 Assalamualaikum,Respected Mufti

I am reaching out because I am in a situation right now where my wife and her family threw me out of their house and will not even fathom the thought of sitting down and considering reconciliation.I have tried and tried through endless means to seek their compassion for dialogue and consideration of Reconciliation but only in vein. they have along with her set their decision and will not change it in any way whatsoever.They spoke about after Ramadan and lock down finishes we sit down and complete all divorce proceedings.they also mentioned settlement of Mehr.I know from my limited knowledge of Islam that there is a Verse in Surah Bakarah which clearly says the wife has to return or compensate the husband before the divorce can be completed.Also there is a Sahih hadith in Bukhari of thabit ibn qays who was returned the Garden that was given as mehr. I fear if I go to this settlement to them it will not be in the most just Islamic manner,I fear there may be injustice done towards me in regards to the Mehr
Also I fear there will be absolutely no chance or possibility for me to seek her to reconsider her choice.

I am reaching out for your help desperately,I was speaking to a good friend of mine he told me the best thing to do is find a Neutral place with a highly qualified Mufti who may be able to oversee all these proceedings and settlement in the most justified islamic way. Also it may be an opportunity for my wife and me to receive some counselling from your expertise and by Allah's will potentially reverse her decision.I just want this process to go as justified as possible islamically so that no party may wrong another.
I have to mention that from my part in all honesty due my mental stress between working and studying and being diagnosed of a heart problem I have many times not been able to give her the time for INTIMACY. this is my fault in my part.However please note that this was not intentional refusal.it was more like
tomorrow and tomorrow.sometimes few months would go.This matter was discussed with some of our family arbitrators and it was reconciled and i took care of the problem immediately however as time went by the mental stress e.t.c came back and again we wouldn't be intimate for some months
finally they decided while I travelled to visit my parents In Africa they don't want me back and want a divorce

I came back tried by best to reconcile in anyway and every way but failed.they will not even sit down for reconciliation

I am still willing to take her back and continue the marriage and work things out
i do not want to give divorce

please shed light on the issues of MEHR as they have brought it up and its a very large amount

jazakallah please help

Dealings and Transactions
ID: 1086 | Date: 2020-05-17
Legal marriage

Can a Muslim man marry his sister's mother - in-law who is their fathers younger brothers ex wife too according to Islam? 

Because that makes him his own sisters father in law, or can step son can marry petarnal aunt meaning father's sister? 

Dealings and Transactions
ID: 1077 | Date: 2020-05-15
Differences between health insurance and life insurance


Is it permissible to have a car and health insurance? My previously asked question about life insurance is not permissible. Can you please explain why health and car insurance are permissible but life insurance is not.


Dealings and Transactions
ID: 1069 | Date: 2020-05-05

assalam u alaikum,

I have a question regarding how to make  a wasiyat as per islamic laws and distribute asstes per islamic and quran teachings.

i'm married and I have no kids.

i have my parents  and 2 brothers alive.

I would like to know how to distribute wealth to my wife and my family after I'm gone  so everyone gets their fair share as per islamic laws.

jazakAllah khair 

Omair Kamal

cell 773-301-5077

Dealings and Transactions
ID: 1062 | Date: 2020-04-27

As salamu alaikum 

My husband who lives in Pakistan filed the divorce on October 31, 2019. He sent me a copy on WhatsApp. I received the original Feb 7th in the mail. It is a legitimate document with stamps and signatures as well as witnesses. It stated that He has no objections if I remarry after my three month waiting period . I married someone else on February 4 in 2020. Then sometime in March I received a second divorce from him , same legal paper with witnesses stamps and everything, dated December 3rd. I'm confused about this. Was I not eligible to get married again after the first pronunciation of divorce? Further he never pronounced a divorce to me verbally and never typed the wordsFurther he never pronounced a divorce to me verbally and never typed the words, I divorce you , or you are divorced. I thought it was safe to assume that the official filing with the union counsel was officially a divorce. Aside from the painful experience I've had throughout this whole ordealAside from the painful experience I've had throughout this whole ordeal his second wife has contacted me recently, his second wife has contacted me. Seeing them together and pictures has caused me a great deal of pain. I told her I would be best if we did not speak and just try to forget. I begin to wonder why she would contact me. I thought maybe he speaks of me and I begin to hope maybe he wants me back. I am OK with him having two wives. I have never received the third divorce in the mail and I asked her about it. She just said it was in the mail and he's very busy. Even if he doesn't ever mail it. Am I officially divorced? And also I am not happy with my third And also I am not happy with my new husband. We have a long distance relationship with the hopes to unite in Europe at some point. He was very loving and attentive before the marriage and has now become depressed and doesn't speak to me much. He also has another wife. He has not told his friends and family that we are married. He says it's because of His financial situation. At the time I accepted it and hoped it would change. But even with me trying to help we don't seem to have much of a relationship anymore. It was exciting and new in the beginning and then we met. He did not spend the full two weeks with me which was very disappointing for me. Don't I deserve better? He said if I ask him to divorce he would not make an issue. Am I wrong by wanting to divorce him? I'm still so much in love with my ex husband, but mostly because I'm not getting the attention from my new husband. What should I do?

Dealings and Transactions
ID: 1055 | Date: 2020-04-24
Stock Market Investment Short term/Day trading

I want to Invest money in Shares/Stock of a company who DOES NOT deal with Finance, Alcohol, Entertainment or Manufacture/Sale/Market Prohibited Goods/products in Islam.
However, most of the companies are directly or indirectly tied to a Bank for their Financial needs who ultimately deals with Interest or Riba is it permissible to invest in such Company?

 I read one of the Q&A on website

The purpose of buying and selling of the shares should not only be balancing the mutual difference in which there is no  possession rather its purpose is to become partner in that company and get its annual profit.

Does this mean Short term/Day trading is prohibited and long term investment is permissable if conditions are met? 

Please correct me if I am wrong, I do not have possession of company assets when I buy shares short term or long term does this invalidate anything under Islamic law?

Jazak'Allah Khair

Dealings and Transactions
ID: 1051 | Date: 2020-04-19
Loan k masial


Mufti sb mera ye savaal hai k islam me loan lekar ghar banana jaaiz hai kya? Or loan k zariye se ghar qaridna jaiaz Hai kya? or loan k zariye se business start karsakte kya? Aap ki ilmi rehbari ki zarurat hai


Dealings and Transactions
ID: 1050 | Date: 2020-04-14
Divorce issues


Salam Alikum WRB,

I'm writing this email to seek guidance from Sharia about a divorce issue.

We have one new Muslim girl here in Canada who got married to a Muslim man.She got pregnant but her husband refused to support her physically and economically and she terminated the pregnancy. Due to this and other reasons, she denounced her Islam and asked for divorce from her husband. Husband did give her divorce in writing but later claimed that he did Rujuh but girl denied it. Please answer the following questions to clarify the situation for everyone.

1.Is it true that her Nikah became invalid the moment she denounced Islam?

2.If she recite Shahada again , does she need to have new Nikah ?

3.If she refuse to have new Nikah, will she be considered divorced ?

4.She has counted her Iddat from the date of her abortion, will that counting be valid for new marriage?

5.if her Nikah became invalid ( because of her denouncing of Islam ) does she still need divorce from her Husband ?


Dealings and Transactions
ID: 1044 | Date: 2020-04-04
Current Stimulus Package for Small business in-light of Quran & Sunnah

The U.S. government announced a large stimulus package because of the recession that resulted from the COVID-19 outbreak. Part of this package comes in the form of loans for small businesses and are intended to keep the business viable, with low interest rates, and with forgiveness of the principal debt, not the interest, on the condition that the business owner uses the loan to pay specific essential business expenses such as rent, utilities, and the wages and salaries of employees – and does not lay them off. The question here is whether, in light of this crisis, Muslim business owners can apply for those loans?

Dealings and Transactions
ID: 1043 | Date: 2020-04-02


i have heard that the word chodna is sareeh in urdu lanuage for talaq and that it does need an intention.I was with my daughter in my room doing something on my phone and my husband came in and he started playing with my daughter and teasing her. I told him leave her to stop him from teasing her( chodiye usko). He was ready to leave and go back  out of the room so he got up and said chodiya usko bhi and tumaku bhi chod diya now you can go back to your phone.(chod diya usko bhi and tumaku bhi ab karlo phone mein jo karre the). He said this casually to indicate that he is going back to work. It was not said in anger and he had no intention of divorce. If chod dena is used in other context, does it still constitute divorce?

JazakAllah khair

Dealings and Transactions
ID: 1033 | Date: 2020-03-20
Did the Divorce Take Place?

Assalam o alaikum

Five months ago, I received a legal divorce letter after one year of separation ,in which it is mentioned "i am pronouncing divorce to my wife" three times. As soon as i received the letter, i observed iddah for three months. After completing my iddah , my husband contacted me and said that i didn't sign those divorce papers that you've received. As he lives abroad so he asked his father to make the divorce papers and he was thinking that when his father will give him those papers for signature, he will then decide to sign them or not. But his father did the fake signature of my husband on the papers on behalf of him and sent directly to me and told him later that he has already sent the divorce letter to his wife. Now i am confused whether is he telling the truth or not,and if this is true what he is telling then in this case, our divorce happened or not? Please guide me in detail as i dont know if i should trust his words or not and also he is asking me to come back because he thinks that his parents did forgery and he is guilty now. Please give me fatwa on this regard, i am in serious trouble. Desperately waiting for your answer.
May Allah bless you. Jazak Allah.

Dealings and Transactions
ID: 1030 | Date: 2020-03-17
Islamic Mortgage in Canada


Assalamualaikum Maulana,

I am planning to buy a house in Toronto, Canada. Do you know any Shariah Compliant Halal financing institution in Canada? I dont find any renowned scholars endorsing any institutes here in Canada. I researched a little bit about zero mortgage here in Canada, their model looks legit, and also they have copied the model from Guidance bank in USA. Mufti Ebrahim Desai's son Mufti Ismail has endorsed their mortgage. Do you know if their model is shariah compliant or do you know of any bank that provides a Shariah compliant loan here in Canada?


Jazakallahu Khairan.

Dealings and Transactions
ID: 963 | Date: 2019-12-04

I have received the attached documents from my husband.

Will this be considered khulla???

Also if this is khulla how long will be the iddat period??

Do i need any additional document which state that Yes khulla is done/confirmed between me and my husband?


Allah Hafiz

Dealings and Transactions
ID: 962 | Date: 2019-12-04
Husband's Rights

mufti Sahaab,We have been married for 6 years now, alhamdulliah we are doing good, my wife works full and I work full time too in another state. I come home once a week for two days and my wife is really not happy to see me, her complain is I dont do anything for her which I do, she has got access for all the money I have and I don't even say a word what she spends on. She wants me to buy her stuff, since I have no time I told her she can buy what ever she wants, now she gives me a hard time to perform intercourse and always makes up stories or when I try to talk she just ignores. I have no idea what to do and how to control my emotions. I am getting depressed and don't want to go home anymore and she is fine with me not coming home, her mentality is what ever rights a male has she thinks female has the same rights I tried explaining her it does not work like that. I give zakat help lot of people financially I try to pray 5 times a day but misses sometimes I really dont know what to do please guide me what I can do to resolve this issue or recommend some books I can give it to my wife to read to understand wife duties to her husband. Allahafiz.

Dealings and Transactions
ID: 961 | Date: 2019-12-04
Talaq via Text Message

I have recently gotten a divorce through text/sms but I wanted to make sure that I received it as the guy did not say the word ’talaq’ directly instead he used the words ’it’s better if we part ways’ . Is this kinaya? Did I receive a talaq or no?

Dealings and Transactions
ID: 959 | Date: 2019-12-04

Assalam Alaikum,

My husband said talaq 3 time in one sitting and he was very mad at that time.isit considered as only one talaq because, i read online and also i was in my menstrual cycle at that time ad he didnot knew that. i want to know is this talaq valid..also we wanted to reconcile and we had sexual intercourse after i was clean...please i want to know can we get together back . i want my husband back please....if you can please reply me greatly appreciated...

Thanks Much

Dealings and Transactions
ID: 958 | Date: 2019-12-04


With great pain and heavy heart, I have to write this and describe the issues I face. I could not go to anyone here in USA, all our immediate family is in India and we could not trouble them with what we face.

I sincerely seek help and I plead someone elder or scholar to please help us. 

We are married for 15.5 years, have two children that we love very dearly (8 year girl and 2 year boy,we are 38). But between us we never found peace and bliss that a good marriage brings. From my perspective as husband, I have very hard issues with some of the behavior and comments passed on to me by wife's relatives and in reaction, we had great arguments and I felt very rejected, never loved and understood, my reaction because of this feelings might have made wife sad. She sometimes threatened to harm herself, but I could not do anything and don't know what I can do. This same kind of things happens very often. We are living in very delicate situation day to day, and not sure how it can get improved. I have lost all the feelings.


Other very tragic thing happened today, in the fight, wife asked she wants to leave, for which I said yes and she said if she gets divorce then she will leave. I told her one time Islamic divorce (talaq). Now, we don't know what is legal sharia way to move forward. We don't know how can we live together. I myself, prefer to separate, but I could not force it, as I understand how difficult it will be for a separated woman to live here. I also have high concern for my kids, which I love and could not live without. But at the same time, I can not live like this and very sure it is creating troubles for all of us.


Can someone please help us and guide us?

Dealings and Transactions
ID: 957 | Date: 2019-12-04

Assalam-o-Alaikum,Firstly, I'd like to appreciate the service that the Ulema atRehmat-e-Alam foundation are providing. Jazak Allah for your efforts.May Allah give you all a long & peaceful life and take more service ofdeen from you and also accept us all for the effort of Deen. Aameen.My question is regarding the validity of my parents' marriage. My parents got married back in 1974. It was only 3 months into the marriage when my father jokingly said to my mom "maine tumhain talaqdee, maine tumhain talaq dee, maine tumhain talaq dee". He was just teasing my mom as he knew that she was somewhat religious minded.However, none of them knew that this might actually constitute adivorce so they kept on living with each other without even thinkingthey might be actually divorced now. They lived together having aphysical relationship for about 16-17 years and had 1 daughter & 3 sons (including me).In early 90s, my dad fell in love with a colleague of his and he married her secretly without letting my mom know. However, she eventually found out about his remarrying which caused a big fight and since then the relationship between my dad & mom have not been that good. The current situation is that my dad visits our house like a guest once in about 2-3 days and only for a few hours. They don't have a physical relation for the last 15-16 years but they do talk over the phone, eat together & consider themselves husband & wife.My father is not religious at all and it would be hard to talk to him about this issue. My mom is very religious, spends time in tabligh n all but she is not giving this issue much importance as she says she doesn't have a physical relationship with my dad anyway. She is not willing to consult the Ulema regarding this issue coz of shame. That is why I am emailing you about it so that I can ask that what can we do about all this mess which started about more than 30 years ago.I am not really worried about my dad coz he's not that religious anyway but my mom is a pious woman and I don't want her to displease Allah in any way. She herself doesn't want to disobey Allah but for some reason she cannot accept that she is divorced and should cut off all kinds of contact with my dad. Also, it would be hard for us totell our dad that you got divorced 3 months after the marriage when they have been together for about more than 30 years now.I would really appreciate if you could let us know that what should wedo in this situation. Both my mom & dad live in Pakistan (but inseparate houses) but they do meet and talk often. My dad does not spend the night with my mom. He is usually with his 2nd wife.Jazak Allah Khaer,

Dealings and Transactions
ID: 956 | Date: 2019-12-04




  1. Me and my wife had been having hard time and arguing with each other over last 5 years or so. last time when we had argue i was mad and said to her that do you want divorce from me? should i say those "talak" tree times? and she said no i don't need those words so please don't say it. so instead of those words i said that "your free from me" I don't need you". and at the same time I had the Quran in my hands while i said that, meaning that she can just leave me. Then we called the local Alam and he said we just need to meet in bed that night and it will be fine. which we did at that time.
  2. then we we werer quite for few months and we had argument again cause she took some business cards out of my pocket while i was in shower, so i asked her couple of times that did you take anything out of my wallet first she said no then she said yes i did, then i said to her "Give me those cards/information or you will be talak and this is my first time out of the three" so then she ran and gave it to me.
  3. Yesterday she was crying and i told her to do "Sabar" be patient, and your still living with me. "your not Talak yet" so if i just told her that she is not divorce yet, would that be counted as one of the tree times? even though i did not say it to her in that way, i just told her that she is fine and with me.
  4. What kind of sabac or any other thing out of Quaran that we can read to make this relationship better and work?


Dealings and Transactions
ID: 955 | Date: 2019-12-04

Assalamu Alaikum Mufi Saab,I just spoke to you about my divorce question.Last Thursday my husband said, "Thalaak" to me and hung up the phone. He came to me and I forgave him and we did sleep together.Then this past Tuesday we had argument because he didn't come home for two days and he said, "Mahe tumahe thalaak dahe tha hoo" and walked out. He did attempt to sleep with me, but I said 'no.'A few days later he said "Thalaak" again, but I was not namazee. There were no witnesses and he is saying that there are no witnesses. He is saying that no divorce took place and that he wants to come home. He does not know that I have my period and that is why I said 'no' to sleeping with him before.Please call me as soon as you can because my family needs a decision. We have a 22-month-old son that I am worried about.Jazakallah Khair.

Dealings and Transactions
ID: 954 | Date: 2019-12-04
Child Outside of Marriage

Salaam Imam,I have a question - First of all I am still married legally to a different women. We are seperated since 3 years (no children no goods together) and hamdoulah I have found a new wife and she gave birth to my son which is 21 months now.The problem is is has been born outside of marriage and I am unable to marry again because my ex wife do not want to sign the papers and making it hard for me. Normal contact is not possible without lawyers. Now my question is who can help me, as I have asked a local Imam but he send me to the Adul which cannot help me as I am married. I want the best for my child and hamdoulah my family understands everything but next year he will be circumcisizedand until then I will have to find a way to get married. I only care about allah and his punishment and I want to do my best to prevent our family from that and give my boy his rights. Thank you Regards

Dealings and Transactions
ID: 953 | Date: 2019-12-04

Mufti sahab My husband and i were arguing and he said..3 times get out of my home..he sent a txt to my sister and said to come pick up ur sister ..after that he told me to go my moms house..and he took credit card..then says to me u wan to keep two days kids and 2 days i will keep them..then he u can keep them in morning and then i can keep in the evening ..with all these actions and words i like to know is our nikah valid ot not ? He has gave me two talaq in the past..



Dealings and Transactions
ID: 952 | Date: 2019-12-04

In the beginning of May, before going to Texas, him and I had a huge argument in the apartment. During this argument, he told me that he is giving me talaq (meaning divorce in English) in the following way “main tumhe talaq dayta huhn” that means in English that he is willingly giving me divorce. At this time, I was on my 5thday of my menstrual period. After that I called my father and told him what had happened. He suggested having a talk with him. During the talk he mentioned to my father that he needed time to find jobs in IL and he would drop me and our daughter in my parents’ house for 1 week to calm things down between us.  However, after 1 week, his decision changed and he left to Texas without informing me or my family where he was staying or working and when he was returning back to IL to take me or our daughter. When I insisted to join him, he refused and said he doesn’t know exactly when I could join him. This shows he had already planned to go away to Texas for a long time. But he lied to my family that he was looking for jobs in IL. He dropped me to my parents’ house for a week so that he could arrange his things to go to Texas. He wanted to get away from the relationship long before I could even realize it. He never apologized or made up with me after giving the talaq and never discussed matters with me before leaving to Texas. Therefore, I ask Sharia Board to grant a fatwa concerning this matter and relief me from this man as soon as possible. Please give me justice to this matter for the sake of Allah swt.



Dealings and Transactions
ID: 950 | Date: 2019-12-04

My daughter was divorced three times by her husband in one sitting. She is refusing to accept that the divorce was complete, after iddah ,in separation, recently completed, please advise the position under Sharia law.


He said "I divorce you" three times in the presence of his mother and brother. she was not pregnant ,and after this incident they had no conjugal relations at all, in fact lived in separate rooms .She moved out of the house after one week.He claims he said it in anger and does not consider it a talaq.He has been verbally and physically abusive towards her all along.


Dealings and Transactions
ID: 949 | Date: 2019-12-04


I don't know where to start but with hope of positive outcome me and my wife of 6 5 months have been fighting alot and she has a very bad temper, when ever she has a bad temper she ask for divorce but when she is calm she appolgizes. we have been fighting since last few days she has been asking for divorce and I told her I don't wanna give her divorce but she was still mad at something not related to me (cheating or drinking or hitting her i.e.) so I left and stayed with my brother she was still mad trying to ask me to leave my brother otherwise give me divorce and I keep telling her that I don;t wanna divorce you. Same day I went to my house (where me and my wife reside) we got into an argument again I was angry and I said three times with in 10 sec that I divorce you, after that my wife realize that she never wanted divorce she was just trying to prove her point and off course I never wanted to give her divorce and we wanna see if our divorce is valid because she didn't want divorce and I didn't wanna leave her and still don't want our marrige to end. Please advice asap and keep it confidential, there are many school of thoughts regarding this matter we wanna do the right thing. get back to me asap. I live in California and we are Sunni muslim. Thank you very much..

Dealings and Transactions
ID: 948 | Date: 2019-12-04

Assalam O Alaikum

I think I said : Theek Hai Aap Ghar Ja sakti hain

I said this when my wife asked me that she wants to go home

I get these wasawis all the time that I gave talaaq to my wife in my mind but I always say thru my mouth no that i didnt and i do istighfaar.

At that specific time, this wasawasa came in mind that if you say that "aap ja sakti ho" this could result in talaaq, while this thought was in my mind i said that aap ja sakti ho but i did not make the intention of talaq but i do not recall what was going through my mind....i am confused and frustrated.

Dealings and Transactions
ID: 942 | Date: 2019-11-27
Insurance for Masjid





Dealings and Transactions
ID: 941 | Date: 2019-11-27

I am a resident of Chicago. I have been marrried with my wife for almost 6 years now. We have one child. Last year during a confrontation, which has been going between the two of us for a long time,  my wife kept on saying that she is going to leave me, and in rage I said the following sentence:

 “I want to divorce you.”


we again had a huge fight between the two of us, during which I uttered the word ‘Tallaq’ twice.

Now my wife thinks that she has been divorced, although she is not sure about it either. What do the scholars of Islam say about the matter defined above.

Dealings and Transactions
ID: 940 | Date: 2019-11-27


I would request you to let me know on how to write a 'Wasiath' - a guidance on its compilation - or let me have a proforma, if there is, to enable me to write and keep it in a sealed cover for my wife and children to act upon my death. I have no big assets except small balances in banks and an Investment in my son's Dental Clinic from which I get monthly income from the business. Thank you.

Jazakum Allahu khairan.

Dealings and Transactions
ID: 937 | Date: 2019-11-27

What if a husband swears upon Quran that he did not say that “I divorce you” and wife thinks that she heard him say it. 

Assalamu alaikum Mufti sahab. Me and my husband were having an argument over something and it was not even anything big. At one point, I said, I don’t understand you, and he said, ok if you don’t understand me then, “I divorce you, main tumhe talaq deta hoon, this marriage is finished.” At that moment, I didn’t even realize what he just had said, may be due to the fact that it was not even a big fight and I couldn’t have imagined him saying this over such a candid discussion. After a little while, when he left the house  in good mood, I went over the discussion in my head and realized what he just said. I called him and asked him that does he realize what he just said. And he told me that no, he did not say those words. He said, that he said “if you don’t understand me then may be I should divorce you, tumhe talaq chaiye, you want to finish this marriage.” We went over it many times and each time he kept saying the same thing and finally I asked him to swear upon Quran about it. Which he did. At that time, I gave up and believed him, thinking that I have left the matter to Allah and what else could be more than Quran to swear upon. Another reason could be that may be I wanted to believe him and give myself false hope. But, later on I kept having this doubt, that what if he lied upon Quran. People do that. Anyways, ever since then, I feel guilty and I feel like I am committing a sin. There is like this knot in my heart which bothers me all the time. It has been more than a year since it happened. My question is, what should I do? Should I believe him or should I leave the matter to Allah since he has sweared upon Quran? I have asked about this problem to the Shariah board at that time and it has been more than a year and never got an answer. Whenever, I talk to my husband about it, he gets really mad and says that I have told you so many times, and you are saying this because you probably want a divorce and you want to get out of this marriage. We have been married for 18 years with lots of ups and downs and have 3 kids, ages ranging from 17 years to 8 years old. He has divorced me once about 13 years ago and acknowledge that one.


Kindly, advice me as soon as possible. I am very disturbed these days.


Jazak Allah


Dealings and Transactions
ID: 936 | Date: 2019-11-27

Salam alaikom Brother,
I spoke with you today evening about the incident of Khula.  I don't know where to start but basically I was born in Egypt, my wife is a US revert. She reverted 7 months before she knew me.  The point is we fought many times before, and I recognize that I have done many mistakes but Allah (SWT) knows that I tried my best to make her happy.  We have been married little over 2 years.  She got upset and left home, without me knowing that, 3 times to her friend in Dallas, TX.   I didn't know that she is there untill she called and told me that.  Anyhow, last time she left was on March 15th, 2011 and till now she is there.  After a couple of days from that date, she went to an imam at a mosque there, and asked him to give her khula.  I didn't know anything about that incident, as she just told me about it last night.  So I will be narrating what she told me happened that time.  She said the imam asked her why she asks for khula. she replied with a list of 4 things, then he kept asking her; are you sure, are you sure, while she is counting that list.  Then he said something in Arabic and asked her to repeat after him 3 times. And told her now you are divorced from your husband?!
The point is we started to talk again, and she wanted to come back.  She told me that she was angry when she went to the imam asking for that.  Now, as I said before, I didn't know anything about that incident, I haven't been notified that she will be meeting with an imam.  However, and I wanna say this to be clear with Allah (SWT) that she said she knew that she made it 3 times, and she had intention to do it that time, but she was angry.  That what she said.  Allah knows the best!
Last night she called me to tell me about that, so I was like crazy cause I couldn't believe what I heard.  I wanted to call an imam last night to ask if we are divorced, Gavin these information I just mentioned, cause I don't like to do something haram if I got her back and turned out she is not eligible for me anymore.  Cause it was late night 12am, I couldn't get anyone from USA, so I called an imam from East London Islamic Center, London, UK, and told him exactly what I wrote down her.  He said that should not be considered khula cause it happened without my permission, or knowledge, also, I wasn't notified about her meeting with the imam. Plus, they didn't sign up any paper.  The imam from London told me that is considered though violation/break of Nikhah contract.  Meaning that I can't get her back till I marry her again with another contract and 2 witnesses, and another dowry.  That is if we supposed that what happened actually is khula, but that imam doesn't see it like that, rather than violation/breaking the nikhah contract.  He said that is different from talak, as in case of the later, I can't get her back till she does marry someone else and they got divorced for somereason, other than making her eligible for me again, which is not the case anyhow. 
Now the current situation is that she needs to come back, the matter of fact, I booked her ticket to come back on this Thursday. InshaAllah we are welling to go for marriage counsil once she come back. inshAllah.  I asked her if she needs to come back or not, and she said yes.  I don't know what to do know?!  I asked her to come cause she is vulnerable with her christian female friend, and her Islam is not that strong, Allah knows the best, but from what I saw during that time, I can see that she is weak and need someone to help her to grow up her faith, even she can't see that right now.  And I admit, it was one of my mistakes that I pushed her too much to do stuff and she wasn't yet prepared emotionally to do so being a fresh convert.  but to be clear, she got into Islam after she studied Bible and Quraan and got convinced.   I didn't know her even that time.
I hope I have been able to convey the picture in much of prospective view, and I would appreciate please for sake of Allah (SWT) to tell me what exactly I should do to get her back. I don't care paying her another dowry, I just need her back cause I am afraid if she lost her faith in this dunya.  May Allah (SWT) protects us all and guide us the right path.
thank you for the time you took to read this, and I am looking forward to hearing from you st your earliest convenience.

Dealings and Transactions
ID: 933 | Date: 2019-11-27

Asslam o Alaikum!!! ... I left my husband's home. So it's almost been two years.. But before my separation ,my husband said haraam to me first time on and he said it repeatedly (not sure I think two times)and he left home. He came back after 5 days and then didn't say anything and started living in the same home.... He then said haraam to me at the end of October or in the first few days of November (but for sure before 5th of November). His clear words was ( ye aurat aj k baad muj pr haraam hai) and on the 5th of November he left home for two months... During these two months he came home three times ( one time to take his stuff, one on his daughter's birthday and onetime just to c his kids) .. He came back home on 6th of January... He withdrew his protection orders against me and started living with us.. Then we lived together for almost 5 months and then I left my husband 's home.... From that time we r living separately but now he wants to reconcile... I asked him about haraam words he said he never meant to divorce, he just said those words in anger... Now because we r living separately from last two years I just wanted to know if we can be together or we r not in our Nikaah anymore... Please clarify...

Dealings and Transactions
ID: 930 | Date: 2019-11-27
Can I work for this company?


I am a Software Developer by profession and I have been avoiding Banking and Insurance sector jobs because of Riba. Also ignoring those companies who are developing softwares specifically for Banking or for insurance companies.
Recently I accepted the job offer after doing a lot of research and after a week training on company’s Business model I found out that there is a small element of interest calculation in the software I will be working on.
Nature of Company's Business: manufacturer of industrial tools and household hardware and security products and locks. (I.e. drill machines, screw drivers and etc.).
How does Company make money: Company sells tools to franchisees who then sells them to car mechanics in garages.
How Franchisees do transactions: Franchisee (seller) will be given a territory and he will have let’s say 125 garages to visit every week for sale. It’s up to franchisee how he controls and run his business but he will have to operate within his territory.
He has option to sell the tool on cash (one transaction) or on weekly instalments.
Is there any Interest involved when franchisee is dealing with mechanics or customers? In UK there is no interest at all but in USA , franchisee can charge interest.
Eaxmple of Business Model: For an example, I work in the garage and I have to buy my own tools to work on cars. Tool selling guy (franchisee) come to my garage and show me different products, I like the tool which costs £1000 but I don’t have a full amount to pay straight away. So franchisee will offer me a weekly payment option in which I will pay around £20 a week and I can use the tool straight away. It’s basically my own tool now. If I like the tool which is not in his van then I will ask him to order it for me which he can sell to me on around 35% margin.
How to become a Franchisee
Self-Finance: Franchisee will get the maximum discount when he place an order
Bank Loan: Company will help franchisee to get 70% loan from the Bank but franchisee will get minimum discount when he place an order.
What will i be doing
Company has already designed the software for franchisees to order new items, to control their stock, to manage their customer account and to manage the weekly payments. I am working for UK branch where franchisees don’t charge interest, and my role is to support and further develop this application for franchisees.
Can I work for this company? who sells tool to franchisees and has a software which has ability to calculating interest rate? It is up to franchisees whether he charge interest or not.
I have following concerns: 1- The Nature of company’s business is selling tools which is fine but they do help franchisees to get loan from the bank. 2- I will be based in UK where interest is not part of any transaction but franchisees in USA can charge interest. 3- My role is to fix bugs in the application and add more functionality to the current system which will not be related to interest (as I have mentioned this to my line manager that I will not work on interest related projects and he is happy with it.)
Can I work for this company?
Jazak Allah
Dealings and Transactions
ID: 919 | Date: 2019-11-26
Knowledge Question on Marriage and Divorce in Drama and Films

What is opinion of scholars about the matter that sometimes in drama and film a man and woman (who are not married) are married, even if they are doing drama, but the sitting is one and adults are present. So does the marriage happens in this case? Similarly if they are husband and wife will the divorce happen in Drama? If it will not happen what is the reason as in prophetic narrations it is clearly mentioned that marriage and divorce will occur even if they are non-serious in doing this. Secondly, if it really occurs then what is the suggestion for producers to avoid this? Also if there is any thesis or write-up on this topic please mention that.
May Allah swt bless you.

Dealings and Transactions
ID: 914 | Date: 2019-11-26
Bank Mortgage Loan

ssalam-o-Alekum Warahmatullahi Wabarakatu,

I am studying the Murabaha finance model for home purchase through Devon Bank. I understand that this is approved by the Sharia Board. The current model calculates the sell price of the house from Devon to the customer based on several factors including the time of repayment terms (15, 20, 30 yrs). Can you please explain what aspect of sharia allows the change of pricing using time as a factor?
Dealings and Transactions
ID: 913 | Date: 2019-11-26

Asalam mu alikum, I have a question from Ulmas and Muftis. My husband verbally divorced me. he said k divorce you 3 times. I have voice recording of this too. he was not nice to me since 3 years of our marriage. He wanted me to leave the house with my son. My son is from a previous husband. And my present husband was married three times before me I'm her fourth wife. I've talked to his previous wife's they say the same that he treated all of us bad. he came to me in the kitchen and said you have to leave the house and pack your stuff, he then said I'm going to New York I said where will I go on road? I will go with you too wherever husband goes wife goes. He then said you're not my wife and became arrogant with me and physically pushed me etc and said no one can stop me from going, he said then that do you want divorce, he kept scaring me by saying this from last 3 years and I said if you want to then give it, he then said i divorce you in Urdu and then I said divorce doesn't happen by saying once, he then repeated 2 times more making it a total of 3 times that I divorce you in Urdu. He then said if you want from court now go and get yourself. Please I wanna know if my divorce is now valid I have court hearing against him. Jazak'Allah khairun

Dealings and Transactions
ID: 912 | Date: 2019-11-26

Asalamoalaikom janab Alam sahib main aur meri zoja 20 saal say shadi shuda Hein 4 saal kabl main nay dosri shadi ke hai kuch zati wajohat ke wajah say main apna nam os adres say katwa thiya tha jis adres per ham husband wife rehtay Thay kuch waqt k liye nam katwaya hai meri first wife socaal latay hai Lekin waqti tor per main Holland main rehta hon jab tak officiële talaq nhi ho ge os waqt tak wo meri bewi hai ye Holland ka kanoon hai ab ap bataye nam katwanay say mian bewi main islami talaq ho jati Please replie me
Wasalam duago. 

Dealings and Transactions
ID: 902 | Date: 2019-11-26
Inheritance Distribution

Father: died 1972

Left: Widow, 3 sons, 3 daughters (Eldest daughter was married at the time)

Remaining unmarried children and mother lived together.
Elder brother was one of the main support.
In 1976 elder brother paid the inheritance share of Rs 600 to the married sister for the land sold in 1973).

He did not pay the inheritance share to others as they were living together and he was one of the main support to the family.

Mother passed away in 2007 whom he was supporting till her death and he
is still supporting the one unmarried sister.
Now he wants to pay the share to the remaining  2 sisters and 2 brothers.(The original share of Rs 600 and Rs 1200 each daughter and son respectively)

  1. How much he pay them now?
  2. Can he pay them extra based on the inflation rate as the rupee has devalued? (Old Rs 1200 = Today's Rs 26,000)
Dealings and Transactions
ID: 898 | Date: 2019-11-26
Women Doing Second Nikah

Mufti saheb...
I wanted to get your full idea on a fatwa regarding a woman who is still in nakah with her husband and she contracted another nikah with another man.
Pl let me know if this 2nd nIkah stand good or it's  harraam as how u will interpreter this matter.
I await for your reply.
 Jazaak Allah.

Dealings and Transactions
ID: 894 | Date: 2019-11-26

I am forwarding this email that was sent to me from my husband. I wanted information on my rights and the rights of my children. Also what are the recommendations going forward.

I benefited from you, and you benefited from me. All things in this world have to end; it was not part of my plans to end our worldly relationship, however, due to many actions and words exchanged between us, (which I cannot list here due to its large numbers) I have decided to honorably and peacefully allow you to move on. I divorce you.

Dealings and Transactions
ID: 892 | Date: 2019-11-26

I abc wald xyz in my correct state of mind gives KA wald SA her aik talaaq.

Asalamalaikum my husband sent me the above statement of one talaaq via text message on August 6, 2014 . It will be exactly 3 months on nov 6th 2014. I tried to reconcile this seperation and save our marriage but my husband showed no interest and closed all the doors of communication. 
I like to know the following 
- Am I still in his Nikah as his wife or no.
- if Iam not in his nikah any longer what are my rights.  
Please assist me as this matter to me is very sensitive. Jazakallah khair 
Dealings and Transactions
ID: 889 | Date: 2019-11-25
Second Marriage

My wife has problems related to monthly periods.this exist before the at marriage,they conceal this problem and not told. during this period lot of treatment done for the purpose of children till not get the positive results and doctor told that pregnancy is difficult.In this situation can i go for second marriage as am employee of public sector undertaking. My wife's relatives are threatening me not go for second marriage you have to wait for another 20 years to see. I am ready to maintain two wifes as per Islamic Shariah. Please give solution to my problem.

Dealings and Transactions
ID: 888 | Date: 2019-11-25
One Talaq/Divorce - What's Next?

I was wondering what the procedures to be followed after 1 talaq is? Please feel free to email me back or call me at contact info below.

Dealings and Transactions
ID: 883 | Date: 2019-11-24

Assalamualiakum wrwb, I need to enquire about my situation. I have been married for almost 3 years Alhamdulillah, but now my husband wants to divorce me. He's hiding it but I have found out that he's cheating on me and he has done zina too.I have done isteqara about our relationship for about two months but unfortunately I haven't had any dream nor any feelings or intuitions. It's been 6 months since he had told me about divorce and his stance is still the same. My in laws are aware about the entire situation and suggested that I separate from him for some time. I have been living with my sister in law for more than 2 months. Could you please let me know what I'm supposed to infer from not getting any answer to my isteqara? My side of family is putting a lot of pressure on me to end my relationship. I have a 2 and a half year old daughter too so I'm hesitating because of her too. Please help me out here. JazakAllahu khairan.

Assalamualiakum wrwb 
Dealings and Transactions
ID: 882 | Date: 2019-11-24
401K Pension Fund

Assalam u Alaikum Wa Rahmatullah Wabarakatahu Mufti Sab,

I am a public sector employee here in Dallas, thus unlike 401k my contribution to pension plan is deducted from salary involuntarily. And unlike 401k I do not have option to create my own fund portfolio. The public entity deducts a certain amount from my salary and invests in to XYZ fund on which employee doesn't have any control and which may or may not have interest involved. 
Is it permissible to obtain pension money against these contributions?
Jazkallah Khair, 
Dealings and Transactions
ID: 881 | Date: 2019-11-24
Job Related Question


My issue is  Presently I am Working as Assistant Professor  but my salary is very much less. My Parents are forcing me to change the job and work in IT( Software) feild where the salaries are more when compare to Teaching. Now my issues  are 
1)i have to leave sunnat libas and should wear formal dress to work with software companies. 
2) I should produce a fake experiance certificate 
3) I am not getting self confidence that i can do that job.
I am getting frustrated by those things and pressure of my parents. Please help me in this situation. What i have to do. Is there any wazaif to get out of these problems


Dealings and Transactions
ID: 880 | Date: 2019-11-24
Islamic Financing

Assalamualaikum was rahmatullahi wa barakatuhu

I was searching if there is any halal/permissible financing for buying/refinancing home.

i found followings on Devon Bank's website :

"the initial murabaha and ijara products were reviewed by the Honorable Mufti Muhammad Nawal-ur-Rahman and the Shariah Supervisory Board of America, located near Devon Bank’s main office in the Chicago neighborhood of Rogers Park. After requested changes were made by the Bank, a fatwa was issued by the Shariah Board approving these products."

i'm trying to verify if Devon Bank's Murabaha financing is actually approved or not and if it would be permissible to buy or refinance home with this Murabaha.

Please let me know.

Many many thanks for your time and help.


Dealings and Transactions
ID: 879 | Date: 2019-11-23

My father died many years ago leaving behind his home (property).
We have just recently sold that property and are in need of guidance as to how to divide the money.  Family is listed below.

My Mother is alive
I have two sisters
And  including me a total of three brothers.

Of us three brothers one has also died. He died a few years AFTER my fathers death. Leaving behind his wife and three sons(my nephews).

I know my mother, my two sisters, and the remaining total two brothers receive a prescribed share.

I also understand my 3 nephews from my deceased brother recieve a share.

Does my mother along with her own inheritance receive additional inheritance from her deceased son ( my brother)? If so, how much with respect to share, fraction, or percentage.

The property sold $85,875.41

Please let me know as soon as you can I would be very greatfull.
Jazakallah khair

Dealings and Transactions
ID: 877 | Date: 2019-11-23
Touching a Namehram with Lust

Assalam Alaikum,

           Aali Janab damat barkatuhu, my question is regarding marriage break.  I heard, just heard from third person and have not propogate it and very curious and in a very big dilemma after listening to this.  There is a very big disturbance going on in my mind.  If you can please solve this query.
The question is, if you are married and you touched a ghair mehram( women) with sexual feelings your nikah with your wife is invalid and you have to again do nikah with your wife.
Is this true? and please give us a ruling on how much this ruling is true in the light of shariah and islam.  This has been quoted by a women told to another women who is doing alima course from your shariah board of america chicago.  Moreover can you ask the solution to an alim to this kind of masala or you have to ask a mufti e deen. please enlighten us. 
Jazakallah khair.


Dealings and Transactions
ID: 876 | Date: 2019-11-23
Marriage Counselling

assalamualikum, Mufti Sahib

I need your advise in the situation I am in. I am married with 5 kids. We have a 4 bedroom home, I work from home, one room I am using for my office, the 2nd room is shared by my 2 oldest Daughters, my wife has insisted to have her father who has been divorced twice from Paksitan to live with us in USA, he has brothers and sisters and he has 3 homes in Pakistan, when she wanted to have her father live with us, I didn't wanted, but she threatening me if I don't accept her father, she will leave the kids here and will go to Pakistan to live with her father. She is very ziddy and I have been married for 20 years I know when she is serious. He is been living here with us for the last 4 years, he is using the third bedroom, as a result my 3 kids ages range from 5 to 13 shares our master bedroom with us. I don't have privacy to be with my wife and she doesn't make it easier to be with her when kids are there or in general . I am very frustrated I don't know what to do, she doesn't care about my rights and hakook. I need help I don't know what to do I tried telling her my situation she doesnt see it as problem. Please help? It's not easy for me to move into another house, if her father was not here, it will be perfect for us the other kids will use the 3rd bedroom and her father doesn't realize what I'm going through he visit pakistan once a year for  like 2 months and comes back. 
Jazakumullah khair,  
Dealings and Transactions
ID: 870 | Date: 2019-11-22

Need your urgent advice. Please help. I need to ask you question regarding Talaq:

First incidence:
Wife was pregnant. We had a fight. I divorced her 3 times to threaten her without intention of talaq. She said talaq nahi hui because you have to have witnesses & you have to say proper names etc.

Second incidence:
We were on phone. She had periods. We had another fight. I again threatened her without intention of talaq. I said I am about to divorce you میں تمھیں طلاق دینے لگا ہوں& she hung up.

Third incidence:
We had another fight. I had intention and said talaq 3 times.
Now I am regreting. Can you give futwa on my situation? Has talaq happened? Is there any chance of rujoo?


Dealings and Transactions
ID: 864 | Date: 2019-11-22
Wife Seeking Divorce

Salam o alkium
 Mufti sahib  my wife is demanding Divorce , we have 2 daughter age 20 and 14 and boy 22years of age we have been married 23 years she keep brining the past things that happened 20 years ago and wont let go, I do not drink smoke and have no bad habits yes I was short temper years ago could not stand her screaming at my face and will slap her to shut her down I have been faithful husband and take care of my kids but my WIFE never appreciates anything she grew up in broken family and her brother also divorce her cousin all are divorce and re married , iam not perfect but iam trying but she cant stop throwing my imperfect past and never happy I  must decide in 2 days please advice asap   

Dealings and Transactions
ID: 859 | Date: 2019-11-22
Islamic Loan

Assalmualikum. Can I have a list of banks who gives us right Islamic interest free home purchasing mortgage?

Dealings and Transactions
ID: 858 | Date: 2019-11-22
Islamic Loan

                            I am from Lahore Pakistan. I came in USA 17 months before and I have 16 months job experience. My Question is that I want to purchase home through Islamic banking. These Islamic banks are not giving me loan. They require a 2 year job experience. The only "LARIBA American Finance House bank" is willing to give me interest free loan. I am wondering is this bank is  Ok for getting loan.

Dealings and Transactions
ID: 855 | Date: 2019-11-22
Marriage Dispute

Dear Sir
We got married one year ago, my father past away just before my marriage. After my father's death I was in depression for a while, during that time I did many bad thing. I  told my sister in law that I love her. I had physical fight with my wife while she was pregnant. Even though I didn't intent to hurt her but she had miscarriage. I am on anti depression and I promised to my wife that I will do everything to repair my relationship. I will see psychologist next week. Please advise me how can compensate my wife for all the wrong doing. I will be great full if you can give Islamic guidance to end these.

Kind regards

Dealings and Transactions
ID: 851 | Date: 2019-11-20

a sheikh, i have lived a life of disobeidnce... I wish to make tubah and repent and change my life i have read that half of imaan is to get married and i am in dire need of guidence...
I live with a non muslim woman who wishes to convert to islam and get married firstly what is the bare minimum to get married? How do i do so? Also we have 2 children together.. We currently live off beniefits in the uk i have a part-time job but is not much... Is it haraam to get married islamically and not declaring it to the goverment? And to carry on recieving aid? I wish not to declare it to the goverment not because of the money but i also have another 2nd partner who is not muslim... However she would also like to convert and get married... Is it permissable even though the state dose not allow this? Also is it permissable to marry both without them knowing of each other? I dont believe it is in the sunnah or quran that a man must ask his 1st wife for permission or must tell her that he has married a 2nd? If i am doing good by converting both woemen 2 islam and marrying them however both cannot be married legally in the uk so do i have to declare marriage? Or can i marry both islamically and provide and spend time with both as i see best? My 2nd partner i do not have children with she works herself and is self afficent and is in no need of money in fact is very rich she simply wants my companionship and is very busy and has differnt needs to my first partner if i fulfil both there needs and treat them justily and convert both and only declare marriage with one as that is all i can do in the uk or with none is this permissible thank you

Dealings and Transactions
ID: 848 | Date: 2019-11-20
Divorce and Method of Halalah

As'salaam Walaikum,

I had asked a question regarding a divorce situation and you had emailed me back a document that stated the husband and wife were haram for each other until they completed sharia halalah. My question is, what is sharia halalah and how is it completed?
Thank you.
Dealings and Transactions
ID: 846 | Date: 2019-11-20

As-salamu aliekum,

I have a question regarding a fasakh (annulment) issue. 
A woman had a difficulty in her marriage. There was a total breakdown in the marriage and the husband was harming her physically so she requested divorce from him but the husband refused to divorce her; and when the family intervened he admitted in front of them that he hit her. 
So she forwarded her claim to an Imam at the local mosque requesting fasakh (annulment). The Imam decided to meet with the husband on few occasions to come up with a solution but the husband did not cooperate. So the Imam requested from the wife 2 adult witnesses to proceed with fasakh (annulment) and after few days the Imam granted her fasakh
The husband until this day claims she's still married to him and she's not divorced. 
The Imam has ijazah from a leading authority. He serves as an advisory member on the Fatwa standing committee of the Assembly of Muslim Jurists in North America, and also serves on the board of directors of the Islamic Shura Council of South Michigan. 
Due to the fact that some family members disagree with the Imam on certain topics in Islam, the family members started questioning the validity of the annulment, which led them to think the Imam didn't follow proper Islamic annulment procedure. So now, some family members think the annulment is valid and some think it's not valid.
My question:
Is the annulment valid or not?
And regarding the witnesses, they are the family members that were present when the husband admitted that he hit her. Do these witnesses have to be well versed in Islam?

Wa aliekum as-salam,
Dealings and Transactions
ID: 830 | Date: 2019-11-19
Nikah Marriage


  1. If there is only two witnesses one male or one female in Nikah, it is valid or not in Islamic sharia?
  2. If there in no Qadi/Moulvi in the Nikah only one male and one female witnesses, it is valid nikah or not?
  3. The date of Talaq is 04.10 and Nikah is done on 06.10 in Iddut period, it is valid nikah or not?

Your fatwa is valid in Indian court and any other country or not??

I want you will give fatwa on above question urgently as soon as possible.

It is very important for me and my family.

Dealings and Transactions
ID: 827 | Date: 2019-11-19
Mortgage with Devon Bank UIF and Guidance


Does Devon Bank residential mortgage follow shariah guidelines? What about UIF (University Islamic Financial) or Guidance or La Riba? Do they follow shariah guidelines?
Please let me know if you have any other recommendations.
Jazakallah Khair,


Dealings and Transactions
ID: 824 | Date: 2019-11-19
Interest Investment


I used to work at a government hospital in Toronto, and was part of their pension plan. Recently I moved to another city and since the pension plan does not transfer over, I have been allowed to withdraw half of my pension funds. The pension company (Healthcare of Ontario Pension Plan) requires that the other half of the accumulated funds be placed into A Locked-In Retirement Account (LIRA) (A Canadian investment accounts designed specifically to hold locked-in pension funds for former plan members).
LIRA functions in the same way as RRSP, except that in RRSP you can cash in your funds anytime, LIRA locks your funds until you retire. We have, as a family, always avoided anything to do with Riba, in this situation however, we do feel that we have no control. The money has been invested into mutual funds and it appears that it will accumulate interest. Will we get gunah for this? What options do we have at this point?
Jazakallah Khair, for taking the time to read my question, I am indeed very grateful for this service and your help.
Dealings and Transactions
ID: 817 | Date: 2019-11-19
Insurance Related Job

I have got a job interview for the company called 'TIAA-CREF'. I was not aware about the functions of the company. But I recently found out that it stands for 'Teachers Insurance and Annuity Product'.

Brief Intro from Wikipedia:

The Teachers Insurance and Annuity Association (TIAA, formerly TIAA—CREF) is a Fortune 100 financial services organization that is the leading retirement provider for people who work in the academic, research, medical and cultural fields. TIAA serves 3.9 million active and retired employees participating at more than 15,000 institutions and has $502 billion[2] in combined assets under management (as of December 31, 2012).

TIAA was created to replace the system of free pensions provided by Carnegie Foundation for the Advancement of Teaching for professors. When the original fund proved inadequate, TIAA was created in an Act of the New York State Legislature in 1918 as a stock life insurance company for the purpose of providing retirement income for professors through fixed premium guaranteed deferred annuity contracts. Later, in 1952, CREF was created to allow professors to invest in the stock market through the nation's first variable annuity. Its core business continues to be retirement plan administration and annuity products. It is by far the largest manager of employer-sponsored 403(b) tax-sheltered annuity plans, a defined contribution retirement plan for employees of 501(c)(3) educational, religious, and charitable organizations. The company also offers 401(k) and 457 plans, Keogh plans, and Supplemental Retirement Plans. Contributions from these plans are typically invested in the company's traditional or variable annuities or its line of mutual funds.

In recent years the company has greatly expanded its capabilities and advisory services and broadened clients' investment choices. Internally it has focused on developing customer support IT infrastructure and leadership development.[4]

At the retail level, TIAA offers Traditional and Rollover Individual Retirement Accounts, Roth IRAs, mutual funds, after-tax annuities and life insurance (through TIAA Life), 529 college savings plans, Coverdell Education Savings Accounts, financial planning, and trust and investment management (through TIAA Trust Company, FSB). These investments are offered to the general public, and TIAA is no longer limited to the academic community.[5]

On the institutional side, TIAA Asset Management serves institutional investors and intermediaries, including registered investment advisors, investment-only defined contribution platforms and broker/dealers.

While TIAA is considered to be an academic pension option at universities in the US, it is not associated with the concept of unions or organized labor (which traditionally sought and protected the pensions of workers in the US). So, if a worker's lifetime pension is affected at a university, TIAA is not operated as a party involved in labor-management or management-management disputes.


Dealings and Transactions
ID: 816 | Date: 2019-11-19
Interest on Bank Account

Slam! I am from pakistan (punjab). I am lecturer of econmoics. my salary comes in current account of J.S bank. i used to withdraw amount of need and keeps remaining amount in current account of J.S bank.Is it right to keep remaining Salary in current Account?

Dealings and Transactions
ID: 815 | Date: 2019-11-19
Bank Loan FHA

Assalamu Alaikom, 

              I am married with 2 kids. 
               I have a question about the house I bought for $120.000, its FHA and I got little less than $ 8000. as GRANT (help from Gov) "the condition on grant is I can't sell the house for 8yrs if I do then I have to pay that $8000. back to gov" and rest of the money on loan from the bank. Now my question to you is:
1. The transaction I made is it Halal?
2.  Is that loan I got from Bank permissible not RIBA? 
3.  If the transaction is not Halal or it is Riba or both what can I do at this stage? It will be 2 yrs since I bought this house. (i'm married with 2 kids and my parents come and go to my  other brothers house, I have 3 brothers live separate).
     Jazakallah for your attention and time that you are giving me and helping me in this matter.
Dealings and Transactions
ID: 814 | Date: 2019-11-19
Distribution of Inheritance
Assalamalaikum Warahmatullah hi barakatahu,
I have a question regarding Inheritance.Please answer my below 3 questions with as much clarity and Islamic jsutifications possible.
We are a family of 7 members
3 Sons
2 Daughters
Father and StepMother
Stepmother has 2 sons with my father and so by birth myself,my sister and my brother are children from my father's first wife who passed away in 1998.My father remarried in 2000 and have 2 sons from his second wife.
My father owns many properties,lands & assets presently
Let me list down Each Asset and even give you tentative present value.He wants to gift respective properties after his death and till then utilize rents and benefits just for himself and his present family of wife and 2 kids
1)Main house(which includes land of over 800-1000 sqft) where my father,his wife and 2 sons presently live is estimated over 3 Crores INR(Indian rupees) at present date.he plans to gift it to his wife n kids.
2)He owns lands worth 30 lakhs INR(which he plans to gift them also for education etc as kids are still 15 yrs and have to do their further education)
3)He owns an apartment worth 1 crore and a land worth 20 lakhs which he wants to gift it to my brother(own oldest brother)
4)He wants to gift my sister an apartment which is probably worth 40-50lakhs INR (Investing around 7-8 lakhs for marriage)
5)He wants to gift me an apartment which could be worth 30-40 lakhs(without investing much for my marriage-just 3 lakhs INR)
He probably has some undisclosed property which he wants to gift it to his wife and kids.We are under the impression that he being pressurized or influenced by his second wife and family for all these assets.
1)I would like you to please tell me if this is islamically correct(also as per sharia law of inheritance) and also if my Father is being Just and fair to everyone.Please give me hadiths and islamic proofs as well so that I can justify it to my father as per sharia law because we feel he is being unjust/unfair.
2)I have another question I wanted to know Islamic viewpoint at this.
Is it correct islamically to do a court case to fight for our property rights as per Islam?Saying that,this court case would be against a father who is being Unjust to his first wife kids .Does Sharia and Islam allow for such court case (litigations) to fight for property(Haq)?We dont want to do anything to disobey Allah SWT but we also want justice.
3)I want to obey what Allah SWT has ordered in such situations.I tried to do isteqara for 2 nights but didnt get any indication.just got good sleep...just asked Allah for guidance.Please suggest how this situation can be dealt where i dont get any indication as such.
please indicate some authentic hadiths/proofs,incidents in Islamic history where such situations have been dealt.
Please reply at your earliest as we are in middle of decision and have to make  decision asap based on sharia law
WallekumSalam WRB
JazakAllah Khair
Dealings and Transactions
ID: 811 | Date: 2019-11-18
Distribution of Inheritance


I request your advise on the matter of inheritance, as below:
One of our friends has a problem of distribution of shares of inheritance of a deceased in Pakistan to the inheritors. The deceased's sons & daughters appear to be fighting over their respective shares implying that the daughters get more than the sons whereas, in Shariah, it is the opposite.
According to Islamic Shariah, in our opinion, the percentages for the family of the deceased whose numbers are as follows , would be as mentioned below, bearing in mind that there are no creditors :
Amount of inheritance               =  PRs. 13,500,000 
Sons 3 (three)            3x2 = 6
Daughters 5 (five)      5x1 = 5    (ie. 11 shares)
Widow 1 (one)
After giving 1/6% share to widow                    = PRs.       21,600
Remaining amount of inheritance                    = PRs.13,478,400
This amount be divided in 11 shares         PRs.  1,225,309
3 sons get PRs. 1,225,309 x 6                         = PRs. 7,351,854   {each son gets PRs. 2,450,618}
5 daughters get PRS. 1,225,309 x 5                = PRs. 6,126,545   {each daughter gets PRs. 1,225,309}
I shall be obliged if you will please confirm our above understanding OR let us have your advise  under Islamic Shariah. Thank you.
Jazakum Allahu khairan.
Your brother in Islam,
Dealings and Transactions
ID: 801 | Date: 2019-11-18

My question is about a sister who has received the following email messages (1st email copy below) from her husband multiple times (about 13 times) where he states he in clear state of mind and good health has freed her from their marital contract.  

He sent the same message to her father and sister as well on separate occasions.  Following the message the mother of the sister spoke to the husband on the phone and he stated “I have given what I had already.  Only thing remaining is the paperwork. I will send the divorce letter as well by Sunday”.  Also the third copy of the email (below) was sent the following day to her sister (which indicated that he was not in any state of anger at all).

 With his messages and verbal statement along with consultation with two ulama from the community the family has understood and accepted that divorce has been established.  The wife was not happy in this relationship and has not been communicating with him for the past 6 months prior to this message. The family has stated that she will return everything given to her in and outside of her Mahr (dowry) when he hands off the divorce papers. 

Now the husband refuses to provide divorce letter and claim he was angry and said such things in an angry state thus this does not count.  He claims she is still his wife and whether she likes it or not she is obligated to stay with him and that the family should force her to go to him.  

 Please help us and give us guidance in accordance with Islamic Law and with evidence from the Quran and Hadeeth.  JazakaAllah Khairan. 

May Allah guide us all to the straight path and ease our difficulties.

Dealings and Transactions
ID: 799 | Date: 2019-11-18

Respected Mufti saheb.

Assalamu alaikum.
I have a question regarding my life.
I was with my husband  17 yrs. He always fights and says thalaq .he has use the word for several times.this time when we went to india he got  angry and took out saying that he taking me to mosque for thalaq and made me stand for hours on the road and brought home back .so my elder brother  in law got angry and told let's finish everything u always  threats  her thalaq do it now call few people from your side then he ask me in front of  everyone  did you sleep with this fellow ? Y he is supporting  you in front  of all my family  members  and even kids were presence .always calling wife (prostitute )using vulgar words this is going on for17 years. He has use the word thalaq several times. Wants to know whether this relationship  persists  after using thalaq several times.?or Islam force to stay with this kind of person.who use vulgar words for wife and daughter. 
     Was salam
Dealings and Transactions
ID: 798 | Date: 2019-11-18
Nikah via Text Message

aoa  if a boy asked to a girl at text message not at phone call ...... binte ..... nikah qabool hai and the girl unintentionally replied as yes. i want to ask if in in this manner nikah can taken place if that boy saw that messages to some one?

Dealings and Transactions
ID: 797 | Date: 2019-11-18

My wife left me couple days after my nikkah, and she denied our nikkah and got a false fatwah saying our nikkah wasnt valid. Couple weeks later she demanded talak realizing our nikkah happened. She wanted to marry some other man, and did not want to face me. As i told her several times come in perosn and talk things out. Later on i was told by my parents to give talak in which i agreed to. So i went with my parents infrint of her and the man she wanted to marry and his father i wrote it down and said it thre, atm i was frustrated and angry. me & my wife wants to get back together! During the talak my wifes family wasnt present, no time to talk and mediate things, and no mahar was given. Also there was no initial problem between me and my wife , just a real bad mistake she made. Anyways i forgave her. In this situation is the talaq counted as three? Or as 1. Also our marriage was consumated. Also another thing my wife was on her mensus during the talak Can we get back together? We're planning to redo our nikkah Wednesday its a request of you can reply to our question as quickly as possible

Dealings and Transactions
ID: 796 | Date: 2019-11-18
Inheritance Distribution After Sister's Death

I need a fatwa. Two of my sisters lived together in a same house. Both of them are widow. My elder sister has passed away. Elder sister does not have any children. The house was under her name. Now what will happen to the house she lived in. And younger sister is still living in the same house. 

In total she had 4 brothers and 4 sisters including herself. At the time of her death she had only 1 sister and 3 brothers that were/are alive. 

Dealings and Transactions
ID: 795 | Date: 2019-11-18
Job and Marriage

Assalaamualykum wa rehmatullaahi wa barakaatahu.
Mohatram Mufti sahab umeed hai aap hazrat khairiyat se honge.

ek baat  aap hazrat waala se share karni thi k mujhe abhi job karte huye 2 - saal ho gaye hain oil & gas field mai, aur promotion bhi alhamdulillaah ho gayaa hai par market recession chal raha hai petroleum field mai iss ki wajeh se jo payment promotion k baad milna chaahiye thaa wo nahi mil rahaa hai, iss ki wajeh se pareshaan hun.
isi tareh mai doosri companies mai bhi try kar rahaa hun par khaatir khaaw jawaab nahi aa raha hai, iss situation mai ahbaab keh rahe hain k shaadi kar lun, par ghar mai se koi support nahi hai aur mai chaahta hun k  achchi paymaent waali job mile aur thora settle ho jaaoon to shaadi kar lunga inshaa allaaah, shaadi k taalluq se maa se bhi kahaa hai par oon ki baaton  se aysaa pata chalaa hai k 30 saal ki umar mai wo meri shaadi karne ka iraada rakhti hain aur abhi meri umr 26 years hai, kabhi kabhi bohut depression aata hai k mujhe achchi job milegi bhi yaa nahi? aur nervousness mehsoos kartaa hun.
please iss silsile mai rehnumaayi farmaayen jazaakallaah khair. 
Dealings and Transactions
ID: 793 | Date: 2019-11-18


Please enlighten me regarding my divorce,

When we had this verbal talaq situation back in the year 2012 at that time she was  more than 2 months pregnant and we had argument which leaded to talaq,
I angry mood i said if you behave like this i will give talaq then she said go ahead and give me talaq, So i gave talaq 3 times and then we thought we are done as married couple but our muslim neighbors took us to a imam(mufti i am not sure, north hudson masjid in New jersey) and he explained me that giving 3 verbal talaq in one majlis(same time)is counted as one talaq, Based on his judgment we moved on with our life.
In 2013 in that year same situation occurred where i was forced to give 2nd talaq, then few months back i gave 3rd talaq, and on the 3rd talaq i called the same imam and told us if we give talaq in angry mood then it is invalid.
Now i am in a situation where should i proceed with my married life or should i endup this relation and move on.
Are their any constraints like we need to be in sexual relationship or not in relationship for certain months to give talaq, this i am asking because my wife's relative told to her that i cannot give talaq if we had relationship 

Please guide us.

Dealings and Transactions
ID: 788 | Date: 2019-11-16


I was told by a mufti to ask if I am truly divorced. Am I, under all these circumstances, Islamically divorced from myex husband?

We were married in IL . That year was a very tumultuous year for me. My Husband and I struggled at first to tell my mother about the marriage, as I went ahead and chose as an adult to marry myself, without my family’s permission in Islam and without her blessings. Once I told my mother, an entire week of fighting ensued, with my mother eventually accepting my husband and resolving to be a part of both of our lives.

With his situation as a student, and not having permanent status in the United States, I decided to sponsor my husband through marriage, as we were both in love and I wanted to spend my life with him and hoped to have children with him. We both proceeded to complete paperwork with a lawyer .


I found out about his having a relationship with a girl from Iran that he has known for quite some time and this caused me to withdraw my application from immigration, without consulting him or speaking to him first out of sadness and disappointment. The next day however, feeling guilty for proceeding to take such a step without first thinking it through I withdrew my complaint and intent with the help of a new lawyer that I hired. I did this to give my husband a second chance and for the sake of our relationship. 

Our time together after this was marked by instability. Some days he was caring and gentle, other days he would fight with me over my body weight, the way I dressed, my work schedule, having a relationship with my mother, and so forth. I told myself that every newly married couple goes through this- so it is a rough time that will pass. Oftentimes the fighting would escalate so that the neighbors would pound on the door and tell us to be quiet. He used verbally abusive terms like “fat” “disgusting” “crazy bitch”  and used to tell me to go back to my mother’s home because I could never be a perfect wife. Oftentimes he would control how much I ate, telling me to stop midway dinner or lunch while he continued to eat in front of me. One incident in particular that occurred after dinner was when he caught me eating a bite size snickers and grabbed my face, forcing my mouth open and took it out, telling me that I knew better than to sneak a chocolate and I should be watching my calorie intake.  He also demanded I throw out any clothing I had before I married him and demanded to choose my wardrobe, which I allowed him to do because he became so upset when I dressed in clothing he didn’t like. He used to make fun of my family in front of me to make me upset and call my mom hurtful names like “psycho” “mentally disturbed woman” “bitch” and “schizophrenic” and that hurt me deeply because I love my mom. We would argue and then make up, proceeding in this process for quite some time.


When he received his permanent green card in the mail he told me that same moment, while looking at his card that I needed to move back in with my mom. He also stated that he didn’t feel the same way about me anymore in the next coming days and that we needed a break. Overwhelmed by the sadness and distraught that he stopped coming home, I gained weight and sought help from his family, which couldn’t help the situation. I also thought I was pregnant in November due to rapid weight gain and unusual physical changes to my body. I tested myself multiple times and came out negative though, so I wasn’t pregnant. In November I also found that he had photos of two particular girls on his Facebook, some photos which were very revealing and disturbing to look at. As a married woman, I didn’t like that my husband had all these photos from Facebook privately synced to his phone. It was very upsetting and we fought over that as well. He refused to delete his Facebook, even though I begged him to.  

This huge argument lead to many arguments, eventually leading him to  send me texts saying he didn’t want me, that I was taliqq (Islamic term for divorce) in texts, and then eventually him stating verbally, on the phone, in the presence of my mother while I was in the car, that I was taliqq, taliqq, taliqq three times verbally- which Islamically in our religion completely dissolves a marriage permanently.

He continued to ignore my requests to come back home and later on and stayed in India for quite some time. I didn’t even know he left until I asked his uncle and he finally told me, shocked that he didn’t disclose this information to me before he left. We barely spoke and completely stopped speaking entirely. I went to immigration, asking for advice, and they advised me to not write to immigration until I had a finalized divorce to show that my relationship between him and I was completely dissolved. I then sought out advice from lawyers, asking them what I should do since I had no contact with him now and did not know where he lived. It took me some time but I saved up for the divorce and paid for it on my own.  My divorce was finalized in September.


I now have an American divorce from my ex husband, but am asking, under all these circumstances, which I swear to be true, if I am divorced from my ex husband Islamically in Sharia law. Can you please respond back to my question? Thank you.



Dealings and Transactions
ID: 787 | Date: 2019-11-16
Mortgage - Islamic Option

Assalam o Alaikum mufti sahib.

Thanks was talking on the phone yesterday. May Allah give you great Ajar as you are guiding and helping us. Ameen Summa Ameen.

One more scenario as I found one more house which would be 275k and I can arrange 225-230k cash may be only need 50k that is like 42k US dollar.only on this option I think we need very small amount.

 Can we do if anyone take care those 50k amount everything short period .we will pay him as a rent those amount which can cover property tax insurance and will try to pay them back with in six month to maximum year.

Actually at the moment the price is very reasonable and range able and there must be some solution in Islam too that if somebody doesn't want to go for any interest or any thing which is against our religion and taqwa emaan as my sister in law teaching Alima course so we belongs to very religion family.we don't want to do anything which is against our dignity and respect towards Allah so I need proper guidance and help that we can buy the house.

I would highly appreciate for your speedy and prompt reply as due to less price the houses are selling fast.

Jazakallah khairan

Dealings and Transactions
ID: 784 | Date: 2019-11-15
Seeking Talaq/Divorce

Asalaamu alaykum

I am in need of urgent help ...
I am a revert sister from UK and currently living here. I married a brother from us a 3 months ago...

Since being married we have not got along very well and he doesn't provide for me or give me rights to time ect. We have not met yet so no intercourse ... this is due to issues with his passport and visa.

I have come to the decision I would like to divorce due to there being no way of us being able to be with each other and also I am a single parent and need financial help which he does not give me. I'm also finding it hard to safeguard myself from fitnah and in need of companionship

Is our nikah void after a certain time of no intercourse ? I have asked him for a divorce to which he has refused many times and I contacted shariah council in the UK but charge fees of 200 to apply and all together with a decision it would be possibly 500 pounds. I do not have this kind of money, is there anyway you can help me ?

Jazakallah khair.

Dealings and Transactions
ID: 782 | Date: 2019-11-15

My husband send me a text message saying I'm divorcing you 3 times. Is the divorce valid?

Dealings and Transactions
ID: 781 | Date: 2019-11-15



Please help with following situation:

My worries started when I was maybe 17. I remember my cousin telling me about shirk and it stuck with me that maybe I had done shirk. I thought that Allah would not forgive me and that I would burn in hell forever. I had bad anxiety there and a few panic attacks. Ever since then, for ten years now, everything I do I get shirk thoughts. It is like an obsession my mind has and I fear that I doomed. When I pray, when I see something that is beautiful in nature, when I read Quran etc. I get bad thoughts and I constantly fight with them.

Then it came to a point where I thought my wudu wasn’t done properly so I would do it over and over again. I would also forget how many rakats I prayed. I always constantly play in my head the phrase, “Jesus is a prophet, and Allah is God.”

The real mess that my mind has dealt with is recently. Recently, back in last June, I went to outing with my muslim school friends. There, I made intention to be a better muslim basically reading more Quran is what I wanted to do with my life. One day, in the car, my friends mentioned something about good luck and good luck charms and how as Muslims we do not believe this, because it is shirk. I dwelled on this thought and tried to figure out if I ever did shirk. One day later, I was drinking some water and I began to choke and I grabbed my friend who was sitting next to me and immediately I had this thought in my head that I grabbed my friend because he was like a good luck charm or something. I despised this thought and said what if I believed this, I am a mushrik now. 

This phase I was in, I could not sleep for days, weeks. I just stayed up at night and played games with my head and tried to figure out and reason with my head that everything was ok and that iA I wasn’t a mushrik. After this thought which I believe I was obsessed over, I had a really bad thought that I was just praying to Allah to cover myself even if Allah did not exist. I hated this thought and it would produce much anxiety to me. I thought I was a kafr. I kept trying to fight these thoughts.

Now it has gotten to the point that I think I am a kafr. My mind keeps playing these thoughts that oh, what IF God doesn’t exist, you’re just lying to yourself, you’re a hypocrite. I am trying to read more Quran and follow the path of the deen more so.

Recently, just before my nikkah, my best friend and I had a dispute and ended our friendship. For time and time, this increased my anxiety because I thought I was a loser in front of Allah and now, I did not have my best friend to console me and help me with my thoughts.

Now that I am married, one day while in New York as my wife was driving me back to airport, I had a divorce thought in my head and was overwhelmed and dwelled on the subject for weeks.

I thought I had given my wife divorce and was extremely worried because she is a good person mA and very religious.  I kept reading fatwas online (askimam.org, islamqa) to see what I had possibly done. For weeks I thought about this and dwelled on whether or not I had verbally ever said anything directly or in any implication form. I was in doubt, which I always doubt very badly. I have bad vehm. I comforted myself and said that if I am in doubt, divorce did not happen. Next, I had to ask my parents if I had ever said anything like this to make sure I was ok. They said I had not. Two days ago, I took my friends phone and I went through my friends text messages and read the texts that I had sent him in order to see whether or not I had said anything wrong to him in regards to my wife. I had a fight with my wife one time over a honeymoon destination, during the time when my ex best friend was getting married. During that time, my friend had requested that everyone be at his wedding and he never invited me. I was really hurt by this and just dwelled on how this person after so many years just disregarded me and did not even invite me to his wedding.

Anyways, my wife knew that I was very hurt by my friend not inviting me and was very consumed in the waswasah that I was having. She sent me a text saying that we don’t have to go to a honeymoon place for long and that she will just go somewhere with her sisters. I just felt that she was being very selfish at the moment because I was personally dealing with a lot. I got into a fight with her and was venting to one of my other friends via text.

 I told my friend in anger (not her) that to closest meaning “ I don’t want to be with her anymore. Seriously this whole thing was just forced onto me.” Also, I know it is very wrong I said my wife was a Bi***. (bad word)

This fight I had I did not even remember until recently as it popped into my head after reading the text message on my friends phone. This fight happened about 2 weeks after my marriage which was on July 31, 2015, I do not know my intention as to if this was a true intention of divorce or not. I had this fight before I consummated the marriage. I consummated the marriage on October 9th, 2015 and during this time too, all I was concerned was with the fact if I was still married or not.  Am I still married is my question? Did I commit zina?

My waswasah and my vehm is really impacting me as a Muslim. Also, in time it will start to affected the loved ones around me.

Dealings and Transactions
ID: 776 | Date: 2019-11-15
Marriage with Niece

Brother I have a question.

My mother's cousin  proposed my younger sister  . We said yes to the proposal and later we came to know that my mother was breast fed once by the mother of cousin, when my mother was only 9 months old or so.
Is this proposal Halal in the light of Islam, please write us a FATWA in the light of Islam. 
Also, advice us with the next possible step in regards to should we do her marriage with him or not. 
Dealings and Transactions
ID: 775 | Date: 2019-11-15

Respected Brother Mufti, 

I have a problem of divorce, My husband said once to me that i m saying it one time and 2 are remaining but he didn't use word talak, at that time my husband was mad but he has the sense of counting divorce in Islam since we marry in an islamic way. then after 6 months I and my husband had the fight he hit me and went to jail, then he stayed there for 1 day and night, and came back next day, but stayed out of the house, he said he didn't eat anything or chew his tobacco, I and him talked and settled everything, then my sister came and she and him got in an argument, my husband got angry again and he went out of the house, and he said talak talak talak but he didn't mention talak now or talak later, but he said that everything was OK in between us, but because of her i said it. According to US laws when I told him that i will not give u divorce so he said there is no need of it. so does he means he doesn't want to make me free which is actually the meaning of divorce.
I want to know that if his intentions were not there so does it still counts 3 or 1.

Brother Mufti my question is that does an anger has any limit in saying divorce because he said it three times, without counting that he only need twice. To me he was so angry that he couldn't remember the last time he have said it and he doesn't need to say it three times, he only would need it 2 times if he wanted to say it completely. I never saw him this much angry, but he used to loose his temper when he wasn't able to chew his tobacco for long time.
My question is that can this divorce counts one instead of three since he didn't know his numbers.

Brother I need a fatwa from the Quran and from sura talaq. I want to have the right to have the talak in the Islamic Way.


Dealings and Transactions
ID: 772 | Date: 2019-11-15
Divorce during Menses

Is divorce valid during menses.

Dealings and Transactions
ID: 771 | Date: 2019-11-15

Assalamualaikum Warahmatullah Wabarakatuhu

Respected Mufti sahib, a few months back I had asked a question regarding some marital issues in response to which your office sent me the answer id 9121664. This ruling detailed that a Talaq-e-Raj‘ai(revocable divorce) has taken effect between me and my husband. Since the online website restricted the writing space to only one question along with a note that if more than one questions are asked only the first one will be answered, therefore the only question I asked was about one situation. Since the answer was received through email, there were actual signatures of muftian-e-kiram , I called their office to talk to him and informed him of additional details from my past, listening to after which the scholar informed me that me and my husband have become strangers for each other and that we cannot be living together anymore. I informed my family of this ruling and the new details I had recently learnt, they became upset and there was immediate lash back and opposition from everyone. A little later I requested my family members to talk to the scholar but upon calling we were informed that he has taken off to go to India for some time. Since the only proof in writing of the whole situation was about the Talaq-e-Raj‘ai, I contacted other muftian-e-kiram from Shariah Board who instructed me to submit a new question in writing with all the details possible, and since it takes time for the translators to translate questions for the muftian-e-kiram in Urdu language, they instructed me to submit the question in Urdu for the time being. During this time, I also met a scholar who was visiting Chicago from New York, I explained my issue to him as well and he instructed me to send him a written account of the whole situation, to which he never responded. Upon talking to him again, he recommended that I talk to the first scholar. Therefore after waiting for some more time when I found out that he is back from India, I spoke to him and he instructed that I should keep on living carefully as I have been, and again asked me to write this email that I am writing now. I hope to receive an expeditious answer to this question so I can satisfy my family members. The things I had previously informed the scholar over the phone are as follows:

  • Many years back when my kids were young, my husband had issued a divorce by using the absolute and clear word of divorce (Talaq), after which we quickly reconciled.
  • Many years later my husband called himself a nonbeliever after which he renewed his faith and our Nikah(marriage) again.
  • After a few years elapsing with peace, one day my husband asked me to get out of his sister’s (who is also my brother’s wife) house and that I should leave home for good. He repeated these sentences multiple times and upon enquiring the muftian-e-kiramhe denied that he said any such thing and that he never meant for his wife to leave the house forever. After this my husband spoke to some scholar by himself who told him that nothing like a divorce or anything has happened due to this particular instance, since his intention was not to divorce me. When as per my meager knowledge scholars only render a ruling based on the information that has been brought to their knowledge.
  • During this time my husband started threatening me and my kids that he would harm us.
  • When we brought this information to some scholars they said sometimes a smaller sin is less harmful when it is in order to refrain from a bigger sin.
  • My husband again became an apostate for the third time by calling himself a disbeliever and then repented and renewed his faith and Nikah. He then asked me to ask my brother to leave his sister and that he would also do the same by uttering the two words (i.e. Talaq).

In the light of these documented updates I am providing you, please advice and answer to help me safeguard my faith and belief. 


JazakAllah Khair

Dealings and Transactions
ID: 768 | Date: 2019-11-14

As Salam u Alaikum

Mjhy ksi bhi Aalam sahib sy pochna hy Talak k bary main .
K main ny apni bv ko cal ki call py main ny kaha k 
Ab kia chahti ho tm talaq chahiye.? Talaq talaq ab talak hi hogi bass mera dimag b ghoom gea hy
Meri niyat talak dany ki nahi the main asy keh raha tha k ab main tmhain talak hi dnga ye nahi kaha k main tmhain talak dy raha hn ya dy raha ap ny bakhubi parh lya hoga 
Meri bv ka ye kehna hy k aus ny ye suna 
""""Ab kia chahti ho tm talaq chahiye.? Talaq talaq bs """"
phone band maltlab as k bad asy koi awaz sunai nahi di
  askay elawa auska  kehna hy k aus ny 2 bar talak ka lafz suna ..
es k bad asny kch ni suna or aska kehna hy k aus ny 2 bar talak ka lafz suna ..
   Please koi bhi Aalam e deen hamari rehnumai krdy 
Apka bohat bohat shukar guzaar ho gay .
  Please mery esi mail address py reply kr dain shukerya .
Please jo bhi Aalam e deen Rehnamai kry apna mukamal nam or contact number ya email address bhi bata dain 
Dealings and Transactions
ID: 766 | Date: 2019-11-14
Status of Divorce due to Dissolution of Marriage

Dear Mufti Sahab Assalamu Alikum’


 My wife petitioned for divorce in the legal court system. I opposed the divorce both by my action and words. First I completely ignored the court papers for many months. Thereafter when I was summoned to court I explicitly told the court I oppose the divorce and religiously I'm opposed to any divorce or seperation. However My wife did not just file for divorce but also accused me of raping her, beating her, and abusing her. Furthermore the case included custody of my children and division of estate and property and money.


Knowing that they have no jurisdiction in my Islamic divorce after I have opposed it explicitly by my words and action I responded to the court that I'm happy with any decision they make thereafter with regards to the other matters I. E child custody, division of estate and property etc. Etc. 


Has divorce happened by me merely saying,  I'm happy,  For child custody, division of estate and property  Etc. when I had no intention of tawkeel of Talaq to the court by such a statement, and after I had explicitly opposed the divorce?Did the court decision effects on my Islamic and Shairyee Nikah.

Am i still her husband according to Shari"ah.


Dealings and Transactions
ID: 764 | Date: 2019-11-14
Islamic Loan Financing

Assalam o Alikum,

Respected Mufti Nawal ur Rahman Sahab,
I need your help in a situation. I bought home with Devon bank financing six month ago. Before buying I did my research to see if there is any intetest ("Riba") involved, to me it seemed okay at that time so I bought. This is the only home I have to live with my family in US.
Do not know why Sometimes my heart says may be I am not doing right. May be I am involved in intetest, my bank is just sugar quoting terms and in the backend everything is same as conventional banks. My bank is taking money from same source as other banks do. Is it really a fundamental difference or just change of terms.
I feel I am in middle of a fight between my heart and mind. Mind has justifications but heart doesn't, still heart overcoming mind sometimes. I never want to go near hell fire, want to avoid any possible thing that can take me near Allah's defined limits. I don't want to get involved in something that my Creator doesn't like. 
I pray to Allah to show us the right path and request you to help me please.
My contact phone number is here below.
Jizak Allah
Dealings and Transactions
ID: 763 | Date: 2019-11-14


These below statements were sent by email from the husband to the wife. Please let us know if Divorce happened or not. If it did, is there any chance of Ruju?
Statement sent as below:
Also, as per Islamic laws I have to pronounce divorce in totality, three times, as under:
1.       I, ABC, in my firm state of mind and consciousness, pronounce first divorce to my wife XYZ as of today November 02, 2017. (First Talaq/Divorce).
2.       I, ABC, in my firm state of mind and consciousness, pronounce second divorce to my wife XYZ as of today November 02, 2017. (Second Talaq/Divorce).
3.       I, ABC, in my firm state of mind and consciousness, pronounce third divorce to my wife XYZ as of today November 02, 2017. (Third Talaq/Divorce).
Dealings and Transactions
ID: 762 | Date: 2019-11-14

Salam Alaykom my husband told me the 3 words talek, Talek,talek and he also told me those same 3 words a month before, he left me and Is with another American women by haram, I don't know where he is at and and it has been 10 months ago since he left.

Dealings and Transactions
ID: 761 | Date: 2019-11-14


Please try to understand our conversation? Does it mean I am divorced? These conversations was after we have divorced and reconciled. My husband said divorce was Once. 

Me: "Honey is this counted as divorce when we talked the other day. When I said 'only Allah really knows how many times. Only Allah really knows everything.'
then you said something like 'Yes, to Allah it may even be 5 or 10 times.' If to Allah it's 5 -10 times then dont that mean we are in trouble? Did you mean it as a divorce. If you meant it it means it's already more than 2 :('"

Husband: "'No dear... Just once'" - (He is saying that throughout our marriage, he only intended once.)

Me: "'But what does it mean when you said that, means you dont know too? I wish you said ''I'm sure to Allah it's only once.''"

Husband: "'How many times do I need to say once? I've said once over and over dear. And over and over and over.'"

Me: "'I know honey but I'm asking what does it mean when you said "To Allah it may
even be 5/10times." To Allah it supposed to be once'"

Husband: "'I'm sorry but I don't remember saying that.'"

Me: "You said it after I said "Only Allah/God really knows everything or how
many." I just remembered it today.'"

Husband: "'He knows everything, including that in my heart it's only once.'"

Me: "'But why did you say "to him it May even be 5/10 times." after I said that sentence, last time.
I love you so much, I dont want to live without you :('"

Husband: "'If I said it, it was as an exaggeration to get you to listen.'"

I asked Allah to make it snow where we live if we are still husband and wife, but it didn't snow.
Instead, I dreamed of me and my husband and it was snowing outside in my dream, when I was taking a nap. This was after I talked to Allah in my heart and crying, full or guilt and regret and in need of Allah's guidance. I don't know what it means.
Dealings and Transactions
ID: 758 | Date: 2019-11-14
Divorce/Talaq Over The Phone

I need some info , about my marriage. My husband and I are separated for past one and a half year .
Trying to solve our issue . Day before yesterday , we had telephonic conversation .
He got pretty upset and angry during the conversation , he ended the conversation by saying I am giving you talaq . Just said once .
Plz can you guide me from Islamic point of view , am I divorced , is my nikkah from Islamic point of view still exist ??? or do we have chance to reconcile .
 Kindly guide me !
Hoping to hear from you soon .
JazakAllah khair

Dealings and Transactions
ID: 739 | Date: 2019-11-14
Marriage and Rukhsati

Assalam O Allaikum,

I need a fatwa on letter head with Ulama's signature and seal for the below question. Could you please help me provide this by scan pdf copy.

Question: What is the meaning of Rukhsati under Islamic law. If the marriage is not consummated because husband and wife live separately until Rukhsati is formally done will this affect their marriage status under Islamic Law. If Rukhsati is delayed until bride completes her education and groom joins her in a different country after the immigration process is completed, will the marriage status remain valid even if the marriage is not consummated?


Jazakallah Khair,

Dealings and Transactions
ID: 738 | Date: 2019-11-14

Assalamualaikum Mufti Hazrat!

Mera nikah hua hai. Ye mera bhi, aur meri ehliya ka bhi doosra nikah hai.Inke saath mera ek bada azwaaji masla  me hua tha jab meri biwi ne mere bade ladke  par haath uthane ki koshish kee thee, Jiski wajah se maine ye muamle ko Shariah Board me bhi pesh kiya tha.Khair ab masla ye hai ke meri biwi  mujh par ilzaam laga rahee hai ke maine use maara hai aur mujhe arrest karwake ek criminal case mujh par dayer kiya hai. Halanke maine community members ke saamne pesh kiya hai.  Quran ki aur apne bacchon ki qasam khayee ke ye ilzam ghalat hai. Iske bar'ask meri biwi ne dono  (Quran aur unka India me pehla bachcha)ki qasme khaane se inkaar kar diya.Maine phir usse kaha hai ke agar wo Court me aakar mere qilaaf jhooti gawahi degi, "to phir to wo apna aakhri din hunga". Meri niyyat ye hai ke mai phir Qanooni taur par legal divorce ki kaarwahi shuroo karunga. Shara'ee koi niyyat nahi hai. (Ek bhi nahi) Maine uski wazaahat bhi kee ke jab tum chahre ke main jail me chale jaaon, to phir to apna ek ghar me rehna mushkil hai, kyonke aainda ke liye meri koi safety nahi hai.Lekin wo ab court me jaana chah rahee hai qilaf gawahi dene.To mera sawal ye hai ke inke Court me aa jane se kya shara'ee nikah baaqi rahega ya nahi?Allah aap hazrat ko be inteha jaza e khair ata farmaye!Assalamualaikum wa rahmatullah.

Dealings and Transactions
ID: 732 | Date: 2019-11-14
Working in IT Department of Insurance Company

Question I have is :

I am subcontracted by a Insurance company in USA in the IT Department to develop software database warehouse of information to and fro from different software applications.I work on my employer payroll, my employer has sub contracted with another vendor and that another vendor is sub contracted by the insurance company.I work from insurance company premises.Insurance company deals with different insurances offerings like home, auto,life etc. My employer is a separate software development firm engaged in products development and services to several non insurance clients also.

It appears to me that my role is not direct day to day real transactions. However it is a back end job of archived information stored in datawarehouse as a kind of maintainenace and future forecasting, budgeting information.

Is the money that i am earning Halal.Is their any restriction on using salary for expenses of self, family, sadaqah, charity or masjid donations etc.

You could call me if you need to talk more details reg my question.

Thanks for all the efforts you are putting to answer the questions. May Allah reward you for it.

JazakaAllahu Khairan.

Dealings and Transactions
ID: 726 | Date: 2019-11-14

As Salam u Alicum,

 Two days back, me and wife had an argument which got escalated at both ends, and then, out of extreme anger, I told her "Mai ne aap ko Talaq di". My wife then came running towards me, and gave my 1 month old daughter in my hand that cooled me down.
Please tell me the consequence of such an act. May Allah forgive my sins and guide me to the right path.
Also, I would like to ask you what needs to be done to reduce the anger in myself.
JazakAllahu Khair,
Dealings and Transactions
ID: 725 | Date: 2019-11-14

Asalam U Alaikum, 

mujhay ap sai puchna tha kai agar koi admi 3 sai ziada logon kai agay 3 bar bolay kai meri wife mujh pai divorced hai or ye bhi alag alag time pai 3 logon sai kahay. Wo admi yahan USA mei tha uss time or us ki wife pakistan mei thi ( 6 months tak) jab husband nai ye kaha tha bar bar k meri wife mujh pai divorced hai. Or husband kai aisay kehnay k koi 6-7 months bad wife USA aae thi. To ap kindly ye bataian kai aisay divorce hoti hai agr husband oron k samnay bar bar ye bolay k meri wife mujh pai divorced hai? Husband nai 3 saal pahlay bhi 4 dafa aik he time mei bola tha kai " mei isay(wife) ko talaaq daita hon". Ye husband k words thay aj sai 3 sal pahlay or tab bhi wife pakistan mei thi or husband USA mei. 
Dealings and Transactions
ID: 716 | Date: 2019-11-13
Working in IT Department of Insurance Firm


Mufti sahab I hope you are fine by the grace of Allah.
I want to know if under circumstances when I have no jobs offer from any company and I really need to start earning as I have to repay debts and support my family is it permissible to work for the IT department in Allianz Global (http://www.agcs.allianz.com/) ?
Allianz Global offers a comprehensive range of corporate and speciality insurance services across the spectrum of marine, aviation, corporate and industrial insurance. The department which has job opening is basically Information Technology (IT) department responsible for global information management and reporting services.
Jazak Allah Khair and hope to get a quick response.



Dealings and Transactions
ID: 715 | Date: 2019-11-13
Medical Insurance From Employer

AssalamoAlaikum Mufti Saheb,

My current employer offers 3 different health care benefit packages.  Core is the most basic with $0 health premium paid by employee (my self), Enhance is medium plan where employee pay around $34 / month health premium.  And Elite is the top package with $81 / month price tag.  LTD (Long Term Disability) premium is must regardless of which plan I choose.  The deductibles for all the 3 plans are taken from my salary prior of I receive it.  Please find a comparison table below:
Inline image 1
Kindly suggest which plan & benefit is complying with Deen.  I would like to mention I'm based in Canada.
Dealings and Transactions
ID: 713 | Date: 2019-11-13
Divorce (Conditional)


I hope this email reaches you in the highest state of Imaan and health.  I am writing to you about a very difficult situation that my parents are in, and we need your legal ruling in understanding what to do.
This is just a short overview of the situation... there are many more details....Currently, my father does not pay for food and house expenses (but does pay for the mortgage), and has told my mother multiple times to pay rent to live in the house.  Recently, my father has said for her to go live somewhere else for 6 months (at the oldest son's house) and then she will realize how difficult life is.  The sons have all said that they are ready to pay for anything they BOTH need, and pay whatever rent being asked of her, but he refuses, and wants HER to pay it.  There is much more history of this kind of things, but for the last couple of years, it has gotten much worse. 
My father has given my mother talaq twice (and did nikkah again each time), and maybe this is the third, but this time it is unclear to us.  My mother thinks there is a talaq, but my father is saying that he did not give it.  We have tried arbitration with a local aalim a couple of times, and it did not help.  The agreements made were not followed and he did not listen to anything that was suggested to do to make the situation better.  
Because there is a doubt talaq has occurred or not, my parents have been in the same house, but physically separate by different time they are in the house and in separate rooms.  She is also concerned that if her iddah has started, she needs to know when to count from.  It has been about 3 months or so since they have been living in this manner.
Please let me know what more information you need, and can speak to my mother for more details of the situation (because it is very complicated and many things have happened).  We need to know if there is a talaq or not, because they do not want to live in sin and need to know what is the right thing to do Islamically.  She also is unsure whether or not she should leave the house or not, as he told her to do.  
Please help us figure out the Islamic legal parameters in this situation. 
JazakAllah khair, 
Additional Detials...
The exact words are also unclear.  After the second divorce and nikkah, my father told my mother that she is not allowed to speak to or meet any of her family members, parents included, without his permission and presence; and if she does, she will be divorced again.  She agreed to this condition (because we were very small children at the time, and there are 6 of us children).  He accuses her and us all the time of meeting with our Mamus, but it is not on purpose, they live in Chicago as well, so we occasionally see them at public places, like the Masjid.  My mother never talks to them, but she might see them from far away.  
Recently, when we had an arbitration meeting, there was new information that we found that he had married another woman.  We brought it up in the meeting and my father said (in Urdu) that "This is not true. And if it is true, then your mother is divorced."  We have ample evidence, from many sources that it is true that he married another woman, but he is still denying it.  (We have no problem with this new marriage, we are concerned for the legal, Islamic situation for our parents.)  Now, 2 of the people at the meeting are saying that he did not say that, and 2 others are saying that he did say that, yet 1 of them is saying that they are not sure and don't remember.  So, what do we do in this situation?     
To make matters more complicated, my father has taken back ALL of the gold and any assets he has given to my mother throughout the years, (even pulled off the karay she was wearing on her hands) and is acting as if he is divorced from her.  He has also told us that he is selling the house and buying an apartment somewhere else..... but he says that he did not divorce her.  
We would like to resolve this situation as soon as possible.
Dealings and Transactions
ID: 712 | Date: 2019-11-13
Shipping Business (Drop Shipping Model)


I want to ask regarding Drop Shipping business. 
Drop Shipping is quite popular with online retailers, eBay sellers and Amazon sellers. I believe manufacturers and wholesalers have many drop shippers who sell their merchandise online and offline.
Drop shipping is a supply chain management technique in which the seller does not keep merchandise in stock, but instead transfers customer orders and shipment details to the manufacturer, a distributor or a wholesaler, who then ships the merchandise directly to the customer. The customer pays the seller, and then the seller pays the wholesaler, manufacturer or a distributor. The seller makes the profit on the difference between the wholesale and retail price. 
Dropshipping example:
Let’s say I am an online retailer and own my own online store and sell office supplies.
I display the products on my website or on eBay and the customer browses my online store and places an order. I don’t keep inventory so I just route the order directly to the wholesaler or a manufacturer, who then ship the goods to the customer. 
Is Dropshipping permissible? Is it similar to ISTISNAH? 
Thank you for your prompt attention to my email. 
Dealings and Transactions
ID: 710 | Date: 2019-11-13
Distribution of Inheritance


We are an Indian family living in Saudi Arabia for over the past 40 years. My sister got married 3 years back. She was staying with her husband in Jeddah since then. Recently they had come to India for annual vacation and were staying in their newly setup flat. My sister's husband suddenly fell sick and passed away. His family consists of the following: 
1) My sister as second and recent wife without any children 
2) His ex-wife and 2 girls borne out of his first wedding which he had annulled and pronounced divorce 
3) Father, 2 married sisters and a married elder brother 
I would like to know how the assets of my sister's late husband are going to be divided as per Shariah ruling. 
Jazak Allah Khair and hope to get a quick response.
Dealings and Transactions
ID: 709 | Date: 2019-11-13
Permissibility to Ruju in Case of Revocable Divorce

Asslamoalaikum!!! Thank you so much for the answer. But I still have one confusion that me and my husband living separate from last two years ... Is it still possible that we can do nikaah.. I mean in some cases of divorce there is only 3 months period in which a husband can ruju  to his wife but if that 3 months period is passed and the couple still separate then complete divorce takes place.. I am just confused in my case that does time period effects or we can perform nikaah any time? 

Dealings and Transactions
ID: 708 | Date: 2019-11-13
Health Insurance Offered by a Company to the Employees


My employer provides me health benefits to me and my dependents through insurance company and i only have to pay a low percentage for cost of prescription drugs and other medical expenses and is mostly covered by insurance. The premium for insurance is always paid by company and the company never deducts a penny from my monthly salary.

Is it halal to use benefits provided by insurance company plan ( offered by my employer ) ?


Dealings and Transactions
ID: 706 | Date: 2019-11-13
Demanding Divorce in Extremely Stressful Circumstances

Asalaam o Aleikum`

I got married in July last year in NY than moved with my husband. Before marriage my husbands’ parents stated he was very pious and used to sit in Aitikaaf. My mom’s sister and her husband went to meet my husband and said they were pleased. My husband was working and expressed that he wanted to get married to one of the Pakistani friend who then mentioned this to his brother. My husbands’ friend’s brother introduced my husband to my moms’ sister and her husband. I saw my husband once and asked him if he prayed 5 times, practiced halal life style, and abides by Quran and Sunnah in everyday life. He answered yes in person and yes over the phone. When I went to register the marriage with my husband, I asked him, “Please tell me if you were ever married before, this is your first marriage, right?” He responded yes.

After getting married to him he did not give me the mehr of $1000 due on the night of the wedding but secured it in his safe in the hotel. He was very rude with me the next day and misbehaved and used force while consummating. He did not give me my mehr until we took a plane to ..... He did not let me stay in my mom’s house for even a day. He did not carry my luggage until the TSA female employee told him that he should be carrying my luggage if we were flying together. My husband did not give me the mehr even when I asked about it. I told him that it is my right from Allah that he is to give it to me, and pay the rest later in life. Immediate mehr due was $1000 and $9,000 was due later in life. My husband ignored me regarding mehr. He was always on the phone and would fight over bringing groceries or spending money on me when needed. His temper was out of control every day. He prayed when he wanted to and abandoned prayer when he wanted to. I was scared and called my moms’ sister  to tell her that he did not give me my mehr. He yells and screams and is always on the phone and says FBI is after him. My moms’ sister and her husband came to inquire but my husband did not answer why he did not give mehr. He refused to explain or show his phone bill as to why he is constantly on the phone. He misbehaved with my uncle and aunt. I went to Atlanta with my uncle and aunt for a week. My husband came to pick me up after a week. My husband fought with me every week without a reason. He threw mehr on my face when I came back.

He demanded his rights of physical intimacy whenever he deemed fit but refused to respect me or even treat me like a human being. He would always talk about his rights but never worried about my expanses of maintenance money or credit card. He continued to misbehave with me and I tolerated it praying to Allah that his behavior would change but it did not change. He was very cheap when it came to spending on me. He did not even do walima until after one month of marriage. He did not stay home on the day of Walima in when my mom and sister came to attend. He was busy talking about one of the woman who used to work with him. When we arrived at reception he failed to have soft drinks. His friends put on music while he was well aware that I do not listen to music as it is haram. His company people were drinking on my reception and invited him to drink with them and smoke. My husband said they were just playing and he does not drink or smoke. He was involved with one of the white woman whom he had talked about earlier. He was busy talking about her and how she got divorced and she needs help while he spent the day of the walima with her alone while my family was waiting for him at home.

After a month I found out that I got pregnant and my husband had indicated earlier that he does not want me to use birth control as he would use it, if needed. I prayed to Allah for my husbands’ behavior to get better but it did not. He continued to come home when he wanted to, he would completely disregard me and my presence at home but demanded sexual favors and all of the housework to be completed no matter what my situation was. I went to his boss house and his boss said that he heard my husband gave up drinking now but he used to drink before? My husband said his boss was joking and disregarded everything.

He demanded sexual favors 3 or 4 times during a day and did not care about my pain. Even while pregnant, I ended up in the Emergency due to spotting when Doctor said no sexual contact or I could get a miscarriage. I feared my safety but my husband did not care and continued to perform his sexual affairs when he deemed fit in the morning, night, and evening. I told him I wanted to go to NY. He booked my ticket to NY. Next morning he was with the same woman who came on our walima. Pictures were posted on Facebook of her intimately pressing her private parts against my husband. Picture also showed my husband enjoying smoking and flirting with the woman who once used to work with her. When I came back from NY he promised my mom that he would take care of me in pregnancy but refused to do so in .... I was throwing up one day from morning to night but my husband left the house without informing me to meet the same woman who was in our walima, the same woman who my husband spent days with in Florida when I was gone to New York, and this time around he booked a hotel room alone for himself and her in Florida. When my mom called he lied and said he was with one of his friends. He was not with one of his male friends as I confronted the friend he named and his friend said he has not seen my husband for the past three months. I called the hotel in  to find out what happened and the hotel manager confirmed that my husband booked the flight on Friday through priceline while my husband lied to me and said that he had reserved the booking week in advance for both of us. The Hotel Manager also confirmed that she remembered my husband entered with a woman and she left the next day while he left later on Friday night. I did not confront my husband but cried and prayed to Allah to change his heart as I was also pregnant with a baby.

My husband continued to fight, mistreated me whenever he liked, continued to demand sexual favors from me, and screamed at me whenever he spent money on groceries or when I once bought an undergarment and shirt. His behavior got worst to a point where he twisted my hands when I was quiet for an hour while he was busy accusing me of things I did not do. I was quiet so he would stop yelling, throwing objects, and accusing me but he did not stop. He would tell me to get out of his house whenever he wished. He once told me to leave the house while I was pregnant at 1 am. His parents did not listen to my mom or me when we tried to advise his parents about his whereabouts. Instead they stopped talking to my mom. My mom spent money on my clothing, shoes, jacket, and driving classes. My husband and his family demanded furniture that my mom shipped to .... I prayed to Allah to change my situation and took my husband to ICNA convention to see if his heart would change. He acted content one minute and angry the next about speakers. I prayed to Allah to change his heart. After convention, his behavior continued to worsen as he spent his time watching porn, masturbating, dirty filthy sexual movies. And had numbers of unlimited girls on his phone. He would never shave his pubic hair and I advised him that his prayers would not be accepted until he was clean. He would tell me to wash his underwear separately and would lock his room while I was in the guest room. He would take car keys with him to work for both cars. He treated me more like a made and less like a wife.

I got fever, chills, and puss filled blisters. When I went to the Emergency the nurse said it was Genital Herpes 2 but I said to her that I was a VIRGIN when I got married how is it possible?  She saod she is 100 percent sure it is HERPES. My husband yelled when I told my mom that I got Herpes Simplex Virus 2. I got herpes from my husband. My husband began accusing me later said he does not know how he got it from . I waited a week and went to my Gynecologist and she said that she tested me for all STDs when I first came and I tested negative. She told my husband that he was not a virgin when he married me and that he gave me HERPES. My husband continued to lie until half an hour when he confessed he was not a virgin at the time he got married. I cried non stop thinking he married me on purpose to give me this disease while he took great control of his diet, did not shave his hairs so I don't see his private part, and infected me on the second day and did not tell me that all this time he had Genital HERPES. He told me to “shut the fuck up and never tell any Doctor that he gave me Herpes.” His behavior worsened with me. I cried nonstop when I came home for weeks. I asked Gynecologist to send both of us for 5 panel tests for other Sexually Transmitted Diseases.

Gynecologist said my husband had HERPES 1 AND 2. He got this from having sex with multiple partners. My husband mentioned earlier in marriage he used to go for blowjobs in the bar with his friends. I also knew about him staying in the hotel with a woman who came in my walima pretending to be his friend. He was found with her on 2 separate days. Due to stress I began having contractions in 5 months of pregnancy and Doctor recommended that I do not take stress or my condition will worsen. My husband accused me in the ER that he does not know who I slept with in NY and he got this from me. He said a lot of other bad stuff as I continued to pray and cry to Allah.


After a week my husband apologized and said I was a VIRGIN when he married me and that he was responsible for transmitting HERPED to me. He later CONFESSED he was in a relationship for 2 years with a woman  and she got cancer later so he left her and broke up with her. Later showed me a GOOD BEHAVIOR BOND complaint advising her to NOT APPROACH HIM Anywhere. This is a sentence option under which a person found guilty of an offence promises to be of good behavior for a stipulated period. My husband said she infected him. I told my husband I cannot believe by what he said and would need to speak to her to listen to her side of the story. He said NO because SHE told FBI agent to watch over him when he goes to PAKISTAN and he DOES NOT WANT ANYONE TO CONTACT HER. My husband was secretive about his phone and changed his code every week so I do not access his phone. He would disappear in night for 5 hours and would come back when he deemed fit. He told me continue to live with him and let him do whatever he wants or I should take my stuff and go. I later found out that the case my husband was talking about was ALREADY OVER. He lied once again. He closed my credit card and did not give me any money the MINUTE he found out that I was aware HE TRANSMITTED HERPES to me. Prior to this story, my husband said he DOES NOT know who GAVE him HERPES through ORAL, ANAL, or VAGINAL sex. Later, I told my husband to release his medical records to me and I will release all of my records to him. He only released the names of 2 of his Doctors but did not provide any information of records  Later, my Gynecologist confirmed that his antibodies were present and well developed which means he had HERPES long time ago. This was my first out break so I did not develop any antibodies yet.


One Day my husband left his room door open and I went through his bag to find his passport. His passport indicated that he got his GREEN CARD through Category 6. My sister researched and found out that he was MARRIED from before and Filed a Waiver to get a DIVORCE to OBTAIN his GREEN CARD. ONCE AGAIN, My husband LIED about not being MARRIED. I kept this secret in my heart and did not confront my husband as I feared his behavior would get worst with me. I went through his reports which showed that he told the Doctor that he drank Alcohol 3 to 5 times a day. I did not confront my husband. He made my life a living hell and I moved back in January 8 to my aunt house in  to moms house in . He did not send me money or credit card but called to say, “I got what I deserved, GENITIAL HERPES 2 and that he would fight tooth to nail for his baby.” 


My baby is due . He lied about his previous marriage, he admitted he infected me with HERPES 2, and there is no guarantee that he would stop sleeping around with woman and I fear that I may contract HPV, Aids, Syphillis, and /or CHLAMYDIA from him. I fear my life. He smokes a lot and used to smoke weed earlier in college days, I know he drinks alcohol, is a womanizer, and smokes cigarettes nonstop. I want to know if under these circumstances it is my right to FILE for DIVORCE?  How can I live with a man who was a FRAUD all along. I read a FATWA online and it STATED Herpes Patient should Only Be Married to another Herpes Patient. It is HARAM to defraud someone by marrying a SPOUSE with intent to infect with Herpes to have a family. I was a VIRGIN when I married him and he told my mom several times that I was a VIRGIN. However, he DID NOT DISCLOSE being PREVIOUSLY MARRIED, PREVIOUSLY ALCOHOLIC, SMOKER, AND ZINA CONSUMPTION. HE DID NOT MENTION HE WAS NOT RELIGIOUS AND JUST WANTED TO ABUSE ME SEXUALLY, PSYCOLOGICALLY, AND EMOTIONALLY.


Am I wrong in FILING for DIVORCE in COURT?  I have to wait 6 Months and IT IS ONLY THAN that I can FILE for DIVORCE IN NY Per Attorney. In the mean time, I am not sure if my Husband would file for DIVORCE or Not. Please give FATWA on this situation.


  1. Is it right to leave him as he married me by defrauding me WITHOUT DISCLOSING that he WAS Married from Before and Was NOT SINGLE? HE infected me with sexually transmitted disease (Herpes 2) to while knowing that I Would Contract this Disease through consummation of marriage?
  2. Is it right to leave him as his behavior of sleeping with other women did not end?
  3. Is it right to leave him because he treats me like his mistress not his wife without fulfilling the rights given to me by Allah?
  4. Is it right to leave him if I want to provide Islamic environment for my son that I am pregnant with? 
  5. Is it right to leave him because he has not changed despite many efforts. He lies whenever he speak, hides the truth, keeps his secret, treats me like a burden, abuses me verbally, sexually, emotionally, and psychologically. I don’t want my son to suffer. Please advise!


My husbands’ family is quiet and they are not talking to my mom. My father passed away. I am an orphan. Mom is a widow with 2 daughters and 1 son. I need your FATWA to make a right decision regarding my life.


Jazak Allah


Sister in ISLAM

Dealings and Transactions
ID: 703 | Date: 2019-11-13

AssalamoAlaikum Wa Rehmatullah Wa Barakatohoo,


May you find this email in best of health and Iman.

 I have attached copy of divorce paper. Have been 3 TALAQ done or one 

only as per FIQHA HANFI. Also, the husband wasn't intend to perform TALAQ. He has given her divorce because 

of his family.

He had 3 children after this divorce. He thought TALAQ wasn't perform.

Dealings and Transactions
ID: 699 | Date: 2019-11-13
Employment - Indirect Support of Insurance Software.

Question I have is :

I am subcontracted by a Insurance company in USA in the IT Department to develop software database warehouse of information to and fro from different software applications.I work on my employer payroll, my employer has sub contracted with another vendor and that another vendor is sub contracted by the insurance company.I work from insurance company premises.Insurance company deals with different insurances offerings like home, auto,life etc. My employer is a separate software development firm engaged in products development and services to several non insurance clients also.

It appears to me that my role is not direct day to day real transactions. However it is a back end job of archived information stored in datawarehouse as a kind of maintainenace and future forecasting, budgeting information.

Is the money that i am earning Halal.Is their any restriction on using salary for expenses of self, family, sadaqah, charity or masjid donations etc.

You could call me if you need to talk more details reg my question.

Thanks for all the efforts you are putting to answer the questions. May Allah reward you for it.

JazakaAllahu Khairan.

Dealings and Transactions
ID: 692 | Date: 2019-11-08

I have a question about Divorce in Islam Sharia law. So I had to divorce my wife unfortunately because of some unpleasant stuff and I tried my best to make it work but it didn't work out. I give 1 talaq to her and we didn't live together for more than 6 months, she already had more than 3 periods and uh just want to know if we are still husband wife? If we not husband wife anymore , and I give her divorce according to USA law, does that count as second divorce ? Does divorce under US law is consider as Islamic Divorce as well? Looking forward for your reply. 

Dealings and Transactions
ID: 691 | Date: 2019-11-08
Method of Issuing Divorce

As-salāmu ʿalaykum,

I married in Pakistan
My wife came to U.S.A. 
We got separated. 
We have 4 years daughter 
I filed for Divorce in Cook county and already happened.
I have consultanted with some Ulma Karam and they said I must give a Shariah divorce/talaq.
Please guide me what should I do.
Dealings and Transactions
ID: 687 | Date: 2019-11-08
Nikah Without Permission/Presence of Wali


I cam across your website on a central mosque page about the permissibility in the Hanafi fiqh of nikkah without the wali's presence and it recommended that people get in touch about their specific circumstances.
My fiance and I have been engaged for about a year. We both wanted the nikkah to happen much earlier but his family has cultural concerns etc that we tried to rationalise but haven't been able to (we being us the couple and to an extent my parents). We already have a relationship that can by no means be considered halal and are certain that any more time like this will lead us to commit zina. In light of this, we wish to conduct our nikkah now then one later in December for the families' benefit.
I realise that the Hanafi position maintains that nikkahs should be publicised and obviously wish we were not in a position where we were considering a secret nikkah just a few months before our actual wedding. Unfortunately these are the circumstances.
I wanted to ask that if we now try to go ahead with nikkah, what is it that we need to arrange? Just an imam and two male witnesses? I'm in Pakistan so am expecting resistance from local imams on the matter (understandably). Are there any resources you could point me to?
Dealings and Transactions
ID: 685 | Date: 2019-11-08


I have a question regarding Talaaq. I have told my wife that I am giving her Talaaq.  It was done on the phone because I am in Chicago and she is currently staying with her parents.  This was done a week ago, on my end my father, mother and younger sister were listening and on her end after I spoke to her, I spoke to her father as well and said I was giving her Talaaq
My question is, do there need to be any witnesses for Talaaq to be valid?  The reason I'm asking is because her father claims that he did not hear me giving her Talaaq.  Does he need to hear me saying it to her?
Second question is that when giving Talaaq I confirmed that it was a final Talaaq although it was my first and only time of saying it.  Does that count as a final Talaaq or do I have to say it three times?  Do I have to say it three times in the same sitting or does it need to be with some sort of interval?  Or, like I said, is one time enough.  
Please advise.  Jazakallakhair.


Dealings and Transactions
ID: 678 | Date: 2019-11-08


i like to attain answers and guidance in regards to my talaaq. My Ex husband gave me ONE TALAAQ via text message. I tried reconciling my marraige but he refused and closed all doors of communication at me. The three month period went by and iddah period was over and he refused to take me back. 
I have three questions under thē light of shariah law. 
At what base a man can talaaq his wife?
What are my right towards him? 
If this talaaq is valid how can i attain a talaaqnama?
Jazakallah khair
Dealings and Transactions
ID: 675 | Date: 2019-11-07

I am seeking the help of in the light of Islam . First time I married back in Pakistan . It was just Nikah. I filed a petition for my First husband .  I filed a immigration petition for him.  Later on I found out he is married. So I withdraw immigration petition.
I got remarried another man. He asked for my hand through mutual friend
He approached my family. We told him about my first Nikah . He wanted to see the divorce papers.  My first husband divorced me over the pone. We contacted in Pakistan and get the divorce paper. And showed to my husband. We got married but he hide his legal status  from us. After some time I I found out he is illegal that time my daughter was so small. He was keep telling me that he has work permit. He is allowed to work in United state. He forced me to file a petition for him. I filed a petition for him . He always hide his money. He ruined my credit. 
He forced me to file a petition for him. I did that. It took so long to approved. We had interview. He got arrested. He told lied to immigration officer that he was arrested they asked  to provide that paper. He also hide his entry in United state. 
Immigration officer asked for proof of entry through mail later on I found entry slip in safe deposit. I asked him why you did not provide them ? He took that slip from me and burnt it.
I provide him the divorce letter before we got married. He has that. He asked me to get another one I told him that all I have. I already provided them. Immigration wants another divorce letter tested one. I told him this divorce letter is already tested. I am from small town. We have this kind of divorce letter through attorney. I will try to another one.  He said no need.  He also provide them joint closed bank statement to immigration .
The case was denied back in August. He was kept telling me that I will give you divorce and mentally harassing me.  He is not giving me any money.  His family is not accepting me. They want him to get re married again. His brother told me in from of me
He asked me yesterday to let my daughter to go with him to visit his family. I was not comfortable to send her alone. I did not let her go. Today morning he fight again and blamed on me that I took $20.00 form his pocket. I told him I did not take it.  I do not need money. He said Talaq , talaq , talaq and left the house
I want help in light of Islam
What I should do know.
What are my rights in Islam being as mom
How I should process for all this
Pleas help me to get through this situation in light and guidance of Islam
JazakAllah Khair

Dealings and Transactions
ID: 669 | Date: 2019-11-07
Validity of Nikah

Assalam o Alaikum 

I was married in Pakistan,. This was my second marriage and also his second marriage. Our nikah took place over the phone, I was in Karachi and he was in Lahore. There were no witnesses present between either of us. Maulvi asked over the phone if I accepted the proposal three times I said yes and he performed the nikah over the phone, there was no witness with me when I was answering the maulvi on the phone and I did not appoint any Wakeel on my behalf. I don't know if there were any witnesses on the other side of the phone in Lahore. After that we consummated our marriage but we did not introduce ourselves to any Muslim communities or any two Muslims as husband and wife, except my fourteen years old son and my sick mother who had paralysis. We have been separated, we have no contact or financial support . He remarried. Now my question is, is it our nikah Islamicaly Valid or Not, please answer me, May Allah SWT reward you all Aameen
JazakAllah khair 
Dealings and Transactions
ID: 668 | Date: 2019-11-07
Islamic Investment

Assalaamu alaikum wa rahmatullahi wa barakatuhu,

With due respect, I wanted to inquire about the following Islamic investment program. Please kindly let me know if it is halaal.
Jazak'Allahu khaira
Dealings and Transactions
ID: 667 | Date: 2019-11-07

Asak Brother 

We alham-dulillah we have 3 kids. Ever since we got married, anytime we get into argument my Husband says that “I will give your Divorce” but never said I am giving you Divorce. After he clams down he is normal person and we have normal sex life.  This year my husband went to hajj and after returning he has a doubt that our marriage is not valid because of his past actions.  That’s the reason we are sleeping separately.  But I know in my heart that our marriage is valid.  Please understand our situation and provide us with the answer according to the Shariah Law.

Dealings and Transactions
ID: 664 | Date: 2019-11-07
Employment in Bank

Asalam Alaikum. 

Alhamdulillah! I am in the process of possibly thinking of stepping down from my position at work for the sake of Allah. I was suggested to first clarify that my position is haram, before I take that step. Inshallah, you can help me understand if it is necessary for me to step down or not. I work in the bank. It is not an Islamic bank. My position is titled as, "Customer Sales and Service Representative" at Wells Fargo Bank. My position requires me to do the following:

  • Open accounts, including accounts that earn interest. If someone does not have an account, I have to persuade them to open an account. When doing this, if they want a checking account, I must persuade them to want a savings. In many cases it's easy because it aavoids them to receive a monthly service fee.
  • Open many credit products, such as credit cards, loans, line of credit (form of a loan), various insurance products.
  • I am required to persuade clients to have as many products, even if they don't want or need them. My job is to find a reason why they might want it. The reason is because it is 50% sales, but feels like 100%.
  • Also I work in connection with the tellers (what I was previous and also what I'm thinking of doing again). The teller are also required to referral certain number of customers to the bankers (me) to open accounts and credit products. In order for the teller to refer to me and not others, the bankers make deals. Such as if you refer a customer to me, if I get a customer that walks in, I will give that to you as a free one. So it becomes very morally wrong
  • I also help many clients with customer service issues, complaints, etc. I can or cannot help some and visa versa. It is hard for me as an individual to say no, but there are cases I have to because of polices and procedures of the bank. I work in the heart of San Francisco (With many different people). Some people come in not purified, some have a strong scent of alcohol from drinking, some with blood on identification cards, etc.
  • The one thing that I am also required to do that I would say is correct under Islam is being happy all the time, smile, welcome customers in the bank, be knowledgeable, understanding, caring, etc.

Inshalhah, please suggest what I should do.  Is my position halal or haram? Thank you in advance to help me with my efforts to please Allah. Bismillah.

Sincerest and Warmest Regards,

Dealings and Transactions
ID: 662 | Date: 2019-11-07

Assalamu alaykum respected Mufti Sahab and Shariah Board, 

I have a question about my divorce. I received a letter through my attorney which was sent to him by my husband's attorney that has a statement from an Imam stating that my husband gave me Talak (divorce) on January 13th, 2017.
The letter does not have the signature of the Imam. On the same letter, there is a statement from his parents that my husband has pronounced Talak, Talak, Talak (3 times) and both parents are witnessing with their signature. 
When he came back to Chicago in end of Janauary and again in February, my parents asked him to divorce me Islamically and legally, he refused. 
I'm including a copy of my divorce paper. 1. Is this divorce valid?
2. Does the parents statement have to be listed on the same letter that states that he is divorcing me Islamically?
3. Is his signature not required? 
4. If the divorce is valid, does he have to give me my mehr and jewelry, which he kept? 


Dealings and Transactions
ID: 661 | Date: 2019-11-07

Asalamu alaikum. I have been married to my husband for over three years, but the marriage was held privately in a masjid where only the imam and two male witnesses were present, along with me and my husband. We signed a marriage contract, but he witheld the information of the marriage from his family. They later became aware of our marriage after a year. After two years, I found him cheating with another woman. He did not want to divorce me at first, but I kept asking until he agreed. He said talaq three times. Three months later he came to me asking for another chance, so he told me he went to a sheikh to ask if we could still get back together since the iddat was not over and he told me the sheikh said that since he said talaq three times in a row and not separately, we were allowed to come back together since the three talaq only counted as one. We have both tried to make this marriage work, but he continues to lie about what he is doing and where he is going and his family has told me he is looking for other women to marry and he denies this to me even when I ask. His family has also expressed to me that they think he never went to the sheikh to ask him if our marriage was still valid and that he lied about it just to get me back. We dont live together and never have since we were married and I have begged and pleaded with him to do this but he won't. He also does not help me financially and I have given him money to help him buy things he wants with his promise to pay me back, but he never does. He spends his money on others things he doesn't need, but never to help me, even when I express to him that I am struggling financially. The community still doesnt know that he is married and his family wants to keep it secret from the community for fear it will bring shame on us. I have now asked him for a divorce because I can't continue living this way. My health is now affected because of the stress and worry of his lies and unknown whereabouts on a nightly basis as he is always going out with his friends at night and rarely comes to see me. When I express my sadness toward this matter, he becomes angry and defensive. He said he will not grant me a divorce because he wants to stay with me but I have told him this type of marriage is not healthy and is making me worry sick to the point that I am now having anxiety attacks and am constantly depressed. I reverted to Islam shortly before marrying him so I didn't fully understand islamic marriage. I am not sure who to turn to for help and if I am warranted in getting a divorce from him. We are not legally married, only Islamically married as we live in the west. Please, I need help and guidance in this matter as I am feeling trapped. He told me if I go to a sheikh that it will only be harder for me to get a divorce from him as he is the only one who can give me the divorce. He knows I am not happy in this marriage and still refuses to divorce me. I feel trapped.

Dealings and Transactions
ID: 660 | Date: 2019-11-07

Assalamo Alaikum

I need a help regarding my divorce issue. I’m badly stuck and have very short time to fix this issue since my in laws are badly forcing my husband to file a divorce in court asap. So i really need a fatwa asap so that if there’s something left in out marriage then i can save it. My husband is very nice but for no reason my in laws are so against me and they were forcing my husband to leave me else they’ll leave them so he was so pressurize like so much that he was actually seeing psychiatrist and getting help from counselors in all this time.. Please please reply me fast i really need a fatwa soon. 


I have three questions


Me and husband had an argument in which my husband issued 1 divorce at once. He used “ i divorce you” such sentence, so my question is issuance of such divorce at a one time counts as one or full irrevocable divorce?


My second question is, 

I am sure i heard in hanafi’s or even in all the other views its same that if a man issues divorce in extreme anger then it doesn’t count at all? In extreme anger, my husband who never yells shout or gets mad on anything. In an argument he was so extremely out of control that he was trying to get out of the house but i was super upset so i forced him literally i hold his hand and pull him inside the house and he got so mad. He started yelling and shouting.. then he was trying to avoid me but i was kept on asking him questions so he got so mad he got so out of control and he started saying things which he never said in his life and in that anger he said i divorce you and literally to make him quite i put my whole hand in his mouth to make him shut. And after that he was so blank like nothing happened and he was so out that he had no idea what he just said or did. He had no intention of saying a divorce word. He was soo extremely mad. It was a level of insanity. He he had no idea what he was saying or doing. So in that saying a divorce one or two times does it count at all?


My third question is,

is a husband issues 2 divorces at once and then the wife goes to her parents house and they don’t make up (no rujo or no intercourse) at all, in that iddat period can he issue another divorce or not until they make up?  

Please reply fast. Please email me these fatwas bu email and please write on your letterhead and then send me through email.  
Dealings and Transactions
ID: 657 | Date: 2019-11-07
Validity and Effectiveness of Divorce

Assalam Alaikum Warahmatullah

My Khala and Khaloo had some property dispute and they were told by their lawyer that to separate their property they need to sign a 'dissolution of marriage' document in front of a judge. 
My khaloo clearly stated that he is not willing to divorce his wife, and signing this paper to purely work out the legal requirements to separate the property. He got one house to his name and Khala got the other house to her name.
Now we are worried if this paper (attached here) does indeed cause a Khula'a or Talaaq in shariyat. Kindly review and advise.
Dealings and Transactions
ID: 654 | Date: 2019-11-07

she got fatwa of divorce from shariah board of America she I swear to Quran I never divorced her and I’m still talking care of her please send me a fatwa she is till my wife to show her

Dealings and Transactions
ID: 653 | Date: 2019-11-07

Assalamoalikum mufti sb, 


Pursuant to conversation with you, here is some information.

Me and wife frequently had issues in past almost last 2.5 years of married life, in order to have another chance to reconcile I took her to a local Imam in mosque but instead of settling down the matters it got worse in shape of arguments, by looking at her same behavior I was not ready to reconcile and imam sb told us to forget past and don’t expect each other to change overnight, after the iftari I told her to go back and I will rethink on these matters but she said to decide right now, I came out of mosque to leave her to near car and she again started arguments but I tried to make her understand but she threw the bottle on ground that was in her hand and I noticed other namzi watching us and I tried to make her understand that we can discuss these things later but arguments went up, she asked me to get her to gas station to fill gas and give her map pic from gps and i said ok but then she started asking for demand of divorce and I replied ok I will file divorce in court tomorrow but she kept coming after me while I was moving towards my car on other side of parking, she was sometime asking me to sit in car and decide everything now and on other hand she was demanding divorce, once the situation got worse and she provoked me enough by saying u can go court tomorrow but give divorce by Islamic way right now, by that time my tolerance level was very low, all the past issues stress was on my mind like previously she involved cops, I gave her one divorce in last November after our issues but then reconciled within a month on promised and apologies from her she won’t do in future, she did court cases on me with cheap allegations and after her case got denied by court she took the divorce case also back, she and her parents have raised hands on me along with abusing in past many times, having been feeling insulted and hopeless that I brought her to mosque to fix issues but she didn’t agree on anything and she was looking the same person, no change, and there was also stress of all past issues happened in our life, I couldn’t resist when she were demanding divorce many times I said word of divorce three times, my situation while I said those words was like same if someone asks u do a thing if u have courage and u do it in response in anger to show ur strength, I was in extreme anger, I said words without consideration of afterwards consequences, I was just like feeling her an opposite person who is fighting with me, I felt I was just trying to get rid of situation, just to end now by saying words what she was asking me to pronounce, I didn’t know at that time the Masla that I just have 2 chances left to pronounce divorce as I availed one chance earlier back in November 2017 but after November at that time I thought if u reconcile then u again have 3 chances of divorce, secondly I didn’t know the Masla of 3 divorce of one sitting will be three, as far my intention was concern i brought her there to fix issues but after the situation got worse I said those words in anger, stress, to get rid of situation and in reaction of feeling being provoked to show courage.. 


And after uttering those words she said for riju (reconcile)as 3 means 1 but I was saying her go away now u r free now I did what u want, I was walking around as she was not letting me to sit in my car, I was extremely angry as mind was not working at that time I pushed her back to get to my car but her condition was getting bad and I took her to drink some juice, she looked like that she went into temporary calmness as in shock, by that time my state of mind was different and I was regretting on what I did, I started searching for triple divorce issue online and I came across Ahl hadees concept of 3 means 1 divorce so I said to her it’s 1 divorce and we lived together for 2 days but when we asked some mufti they said divorce took place and we can’t live together, we have 7 months old daughter that’s why I feel very sad whenever I see her, my wife consider it one divorce and want me to live with her but I am afraid if it’s 3 divorce then it will be sin by living together.



Please advise on the matter if all divorce took place or not.


Dealings and Transactions
ID: 652 | Date: 2019-11-07

Asalam u alaikum

Respected sir/madam
         it is regarding a serious issue of divorce..the husband was in immense anger n fought with his wife...he left the room n went to his parents (wife ws upstairs) n said i m fedup if this ll happen again thn divorce divorce divorce...("agar ye sub aise e chalta raha tou talak talak talak).
 he ws not saying i m giving divorce...neither its his intention..he was jst telling his parents that he is fedup n he ll do that..
kindly explain what ll happen in this case is the divorce done or not...
Please give an explanatory answer...
jazakallah khair... 
Dealings and Transactions
ID: 650 | Date: 2019-11-07
Mortgage with Interest

Assalamualikum Mufti sahib,my question is about mortgage.we have four kids we used to live in town house for 3 years land lord increased rent every year which gone out of our budget we looked for other rent houses but problem was same we r not allowed to have 2 bedroom apartment because of big family and rent was out of our range too. so we decided to buy house we applied for Islamic loan but unfortunately they didn't approved us for loan then we applied for regular American bank we got approved for 140,000.we bought 3 bedroom house.we r living in ILLINOIS.sometimes it makes us uncomfortable. I don't know  we did right or wrong.kindly guid us.

Dealings and Transactions
ID: 649 | Date: 2019-11-07
Sayings Words of Talaq Just to Mention the Words


I have been married for two years and have a baby on the way Alhamdulillah. For some reason I am remembering that one night, two weeks after getting newly married my husband and I went out for a romantic dinner. We were having a sweet and loving conversation that went like this 
Husband: I love you so much please don't ever leave my side 
Wife: I love you so very much too. You are my world. I could never leave you, it would be too hard for me to do that. If anything, you could easily leave just by saying three words. 
Husband: oh yeah talak chahiye talak chahiye talak chahiye. Wait no, talak dehta hoon talak dehta hoon talak dehta hoon. 
Wife: yes those are the words. why did you say those words out loud? 
Husband: I thought you were asking me if I knew the words so I just mentioned them. 
Wife: did you say it to me as a funny joke?
Husband: no I was only mentioning the words because I thought you were asking me if I knew the three words. 
We left the conversation at that. We believe that everything was okay. We even submitted this to islamqa.com and also spoke to an imam of our masjid. They both said that if he did not direct those words towards me in seriousness or in a joking divorce and only said those words as to mention the words by which divorce happens then the nikkah is fine and unharmed. He was only speaking in hypothetical terms by way of example. 
Now, two years later, My husband no longer remembers that conversation anymore since it was two years ago. I don't know why the other night I remembered it again. Probably because I am pregnant and am worrying about everything and get easily emotional. So I asked him, do you remember that night and that conversation? He said no not really, why? I said, I wanted to ask you again whether or not you were saying it as a joking divorce to me or whether you were just stating the words without directing them. He said, I don't remember clearly, but if i had said it as a joke to you then I would have said "just joking", "I'm just playing with you" or he would have laughed. But that was not the case. So from what we can remember he only said those words as to mention the words I was referring to without any intention of directing them towards me in seriousness or in joke. 
So InshAllah our marriage is valid. According to a mufti, an imam, and the islamqa.com we had done when this happened, they all said everything was still fine. 
Please let us know what you think as well of the situation. A
Dealings and Transactions
ID: 648 | Date: 2019-11-07
Distribution of Inheritance

I have two properties that were bought from my mother’s income. My father and mother has passed away and now the properties are under my Aunt (my mother older sister) and uncle’s name (my mother brother).  My mother has 2 sisters. My father did not have any possessions after he passed away.  Both of the properties are paid off and one of them is sold and the money is received for it. Currently, my aunt is holding the money. The other property we are collecting rent on it. 

I need a sharia ruling on how to distribute the money for the two properties

Dealings and Transactions
ID: 644 | Date: 2019-11-06
Taking Leave from Job While Being Paid

Salaam! Mufti sahib .meri as a govt.lecturer posting door hy. Mera ghr sy distance taqrebaa150 km h.mufti sahib main wha aik rent k makan main rhta hoon. Mufti sahib aaj kal college Ka session bilkul off h.sirf attendance hi lgani Hoti h.ku k classes k board aur university k exam horhy haien.aur college main koi class work ni h.mufti Sahb Akela rhny ki wajja sy ramzan main subu k waqt sehri Ka buht problem h.qareeb koi aisa hotel ni h.jha sy sehri ki jaa sky.mufti sahib main ny principal sahib sy BAAT ki to Uno ny kha k college main koi class work to hy nhi...aap ramzan main apny ghr chly jaien.aur Aram sy roozy Rakho...mery liey kea hukm h.

Dealings and Transactions
ID: 640 | Date: 2019-11-06
One Divorce


I had gotten into an argument with my wife in which things escalated and I gave her one talaq and left the house after that angrily. I went back the next day to calm the situation and I rujoo her thereafter everyday by stating to her that she is still my wife. Is the marriage valid in this situation?
Please advise.

Jazak Allah

Dealings and Transactions
ID: 633 | Date: 2019-11-06
Working in an Insurance Company

Assalamu Alaikum,

I am a licensed insurance agent that can sell insurance for cars, homes, business, motorcycle, boats, health, final expense, annuity, and life insurance. I have been talking to people with Islamic knowledge saying that selling insurance is halal and permissible except life insurance. Can you please clarify if selling life insurance and annuity is permissible and halal? At this moment, I have been offered a job to sell property, casualty, health, and life insurance, I greatly appreciate if you can get back to me at your earliest time. 
Jazaka Allah Khayrn, 
Dealings and Transactions
ID: 629 | Date: 2019-11-06

Alsalamu Alekum,

I have divorced my wife and it was the third time. When i divorced her i'm was too angry because we were fighting and I regret it later. Is it allowed to retrieve my divorce because i'm was angry but i did not want to do it?
Thank you very much
Dealings and Transactions
ID: 628 | Date: 2019-11-06
Divorce Ruling

Asalamelekum Hazarat,

My husband was talking to my uncle and his brother and I was in the same room. He said divorce three times but me and my uncle forgot what he said before that. We are both talking to our teacher (a sheikh in newyork)  and he told me that  my husband told him he said " next step is divorce.  Divorce, divorce, divorce". Hazarat am I divorced? 
A night before he was angry and he ran after me with anger saying " as for (about) divorce " I closed the door and he said nothing. As far as I remember, he has said divorce one time during our 16 years on two different occasions. Jazakallah for your help. May Allah reward you greatly.
Dealings and Transactions
ID: 626 | Date: 2019-11-06
Right of Two Divorces Only After One Divorce Used
After we will do the nikkah again after one divorce (three iddat periods passed), since we doing nikkah again with new conditions do we still have 3 chances left or the first divorce is already counted as one. 
Very thankful for your response.
Dealings and Transactions
ID: 625 | Date: 2019-11-06
Job as Software Developer for Interest Based Transactions

Salam Mufti shb,

My question is, I am working in a software house as a software engineer where I develop a software for a leasing and finance company.
That leasing and finance company give cars / vehicles to their customers on interest. And I develop and provide them the software for their interest business.
Is my job is right or wrong? what should i do? thanks
Dealings and Transactions
ID: 624 | Date: 2019-11-06
Job in a gas station which also sells lottery tickets

Assalamualaikum,  I am from Madison WI . I recently looking for a job bcz I lost my previous job . In a gas station in Madison WI I maybe get a job over there but this gas station also sells lottery tickets to the customer. If I work over this gas station I also have to sell lottery tickets to the customer if they come to buy lottery tickets. Is it halal for me to work over there or not ?  Please let me know if I can work there or not ?

Thank you for your help may Allah reward for this .
Dealings and Transactions
ID: 621 | Date: 2019-11-06
Distribution of Inheritance/Wirasat.

Assalam aliakum

My father has passed away
My mother is alive alhamdulillah
One of my brother has died before my fathers death  his age was 22 years at that time  when he died
Now  we are four sisters. Two brothers one my mother

My question is how we can distribute my father’s house cost   That cost may be 25000000.00    How we can calculate please reply me  
Jazak Allah khair


Dealings and Transactions
ID: 620 | Date: 2019-11-06
Khula’ with suggestive wording


Mualana i have one question regarding a conversation happen between husband and wife.. Husband is working in saudi arabia and wife is in India.
Wife : I want to go to one of my cousins marriage.
Husband : No! don't go to marriage instead stay at home.
Wife : why what is the reason.
Husband : No reasons. I am telling you just you should not go to attend your cousin's marriage.
Wife : then you cannot stop me from going to marriage.
Husband : are you kidding me.
Wife : No i am serious
Husband : No you should not go.
Wife : I hate you
Husband : then do one thing take Khula. i cannot bare more pressure from you.
Wife : Are you serious
Husband : Yes if you don't like me you can go ahead and take khula.
Wife : Ok then i will go to my father and tell him about this.
After this conversation wife dint go her father's house. Didn't talk about this to anybody. Husband and wife spoke with each other and compromised by themselves.
Now my question is regarding the khula. Did the khula took place. Is the nikah nullified or not.
Dealings and Transactions
ID: 619 | Date: 2019-11-05
Requirement of Khula After Court Divorce


I have been receiving questions that in case of Khula why woman has to go to Islamic Court or any organization to get Khula.  Why isn't the divorce from court is considered a final one whereas when man gives the divorce or through the court it is considered final?


Dealings and Transactions
ID: 617 | Date: 2019-11-05
Weak Sexual Performance

Assalaamualykum wa rehmatullaahi wa barakaatahu Dear Sir,

During inter course I am feeling fear for inserting my penis to my wife, during foreplay I am having full erection but before inserting penis I am loosing my erection due to fear.
I don't know the reason of sacredness. 
Also I am not feeling sexy when looking towards my wife. She is looks like more innocent and I am not able to inter course with her.
Two times I tried but she felt pain in her vagina. 
So I postponed inter course.
Please guide me sir for unknown fear. 
I did urine, blood and semen test.
Blood report were normal 
Thanking you very much sir 
Dealings and Transactions
ID: 616 | Date: 2019-11-05
Interest Based Loan

Assalaamu Alaikum,

Is it Islamically permissible to buy a house on conventional mortgage while living in a non-Islamic country ( where Sharia laws are not implemented)? Please respond according to Hanafi School Of Thought.


Dealings and Transactions
ID: 615 | Date: 2019-11-05
Nikah after Khula/Qula


I wanted to know if there is any compulsion to have witness when a woman is giving qula.  And if she has givan qula to someone with one witness from her side and now she wants to get back to her husband, I wanted to know whether the qula is done or she can go back to husband?



Dealings and Transactions
ID: 613 | Date: 2019-11-05
Condition of Nikah After Court Divorce


Last Tuesday 8/20th, I discussed my personal matter with a scholar at Shariah Board of America. Here is a summary of my personal matter.

I reside in Michigan. I consider myself a practicing Muslim who strives to be close to Allah (SWT) and want to raise my children as such. I have no intention to divorce my wife. My wife has filed for divorce in the state of Michigan, USA. Wife demanded in the court full legal custody of the children and close to no parenting time for me. To be part of my children’s life, I have to fight in the court for joint legal custody and meaningful parenting time for me. So I have to follow the process and sign on the divorce document.

The scholar commented my signature on court divorce documents will only break the legal marriage and my Nikah to my wife will remain intact. He further suggested after I sign the documents I can send the documents and get fatwa that my Nikah is intact.

I want to get fatwa before I sign the document. Can you please give me fatwa considering above stated facts that my signature on the attached divorce documents will only break legal marriage and my Nikah will remain intact with my wife. Jzk Khair.

Dealings and Transactions
ID: 609 | Date: 2019-11-05
Business Transactions - Money Owed Between Two Companies

Dear Sheikh,

Please if you take a moment to advise on question below:

I write to you from the UK. 

Two corporate companies owned by the same owner and operating in the same territory which is governed under Shari’a Law. 

Company 1.Property company   And  Company 2 Financial services company.  

Company 1 has defaulted on a transaction with me for £700,000. 

And this amount remains outstanding for the last 10 years and is a proven debt. 

Company 2 is making a claim against me for £53,000 and starts bankruptcy action against me. 

Does Sharia law which is the law of the land permit me to make a counter claim against company 2 because of the outstanding debt of £700,000 from company 1. 

The transactions between company 1 and company 2 were separate transactions. 

Does Sharia Law permit a “set-off:

In law, set-off are legal techniques applied between persons with mutual rights and liabilities, It permits the rights to be used to discharge the liabilities where cross claims exist between two parties. 


Dealings and Transactions
ID: 608 | Date: 2019-11-05
Rent for Shop Under Construction


I was asked to send the question I had to this email address. This is related to a business transaction.

A builder is going to be building a mall with many shops in it over the next 3 years. Currently there is nothing on the ground. The builder is selling shops and offering if someone pays the entire cost of the shop upfront the builder will pay them a fixed rent for the next 3 years till the mall is built out. Anyone who cannot pay the full amount will not get any rent while the mall is being built.
Numbers for reference:
Cost of buying shop = 100,000
Two options for someone buying the shop:
1. Pay 15% on booking, 15% on ground breaking, 60% in monthly installments over 3 years, 10% on possession. No rent given by the builder with this plan.
2. Pay 100,000 up front on booking. Builder pays the person buying the shop 500 per month as rent for the next 3 years as the shopping center is being built. Total rent received over 3 years is 18,000. Is this 18,000 considered interest in this case?
If the 18,000 is used towards part payment for another shop so now the shop is going to cost 82,000 vs, 100,000 is that going to be ok?
Please advise.
Dealings and Transactions
ID: 607 | Date: 2019-11-05
Three Simultaneous Divorces

I would like to know, if a husband divorced me 3 times all at once! Am I really divorced?

Looking forward to hearing from you soon.
Dealings and Transactions
ID: 606 | Date: 2019-11-05
Divorce via Email/Text Without Intention


Please help me and answer my question. If I give talaq to my wife via email or text msg without any intention, does it count as a talaq? Please kindly help me with that as soon as possible may Allah bless you.
Dealings and Transactions
ID: 605 | Date: 2019-11-05
Talaq - Three Simultaneous Divorces


About 11 months ago I had a bad argument with my wife, during conversation, she was repeating that I want to get separate from you, I said if you don't wish to live with me , so do I.

I said Talaq to her, I don't remember that I said three times or two times, but she is saying that I repeat it three times. there were two other people too, my father in-law and my sister in-law she is over 18. None of them remember how many times I repeat those words.

During that time she was pregnant. Also I had no knowledge about saying Talaq while your extremely angry over an issue. I believed when your at your state of your mind, and under no pressure so you could use divorce her.

Later those months still she was pregnant, I said during one of those extreme arguments, She said, I want to be separate from you, I said, if you want divorce, okay , I divorce you.

Right now we are not sure, are we still husband and wife according to the shariah law or not.
I would like to mention this, we are a family who recently moved from Afghanistan, We have three children age of 8yrs, 3yrs, and 4 months. We still have some issues, but none of us want to be separate from each other also I didn't mean to talaq her at first place or second place. I want to stay with my family protect them.

W. Saalam,

Dealings and Transactions
ID: 604 | Date: 2019-11-05
Three Talaq

Husband gave divorce to her wife over the phone by pressuring his family. He said three times mein tumhein talaq deita hoon , he said that three times but pronounced his wife’s last name wrong.  Then called again and pronounced his wife’s name right and said mein tumhein talaq deita hoon , mein tumhein talaq deita hoon. Mein  tumhein talaq deita hoon.  Then after a while he texted her and send two texts saying mein tumhein talaq deita hoon. He wrote it down three times and sent it to her.  Again one more text sayin same thing three times sent.  Next day one more text sent saying same thing.

Please let me know according to your knowledge is this talaq valid?

I also want to add that husband was saying before few days back that he will give her talaq some day but on that day he said they forced me to call her.

Dealings and Transactions
ID: 603 | Date: 2019-11-05
Talaq - Three Simultaneous Divorces

Assalamualaikum -

I wanted to know if my divorce has happened or not after I tell you how or when what happened. I got married in 2015 from Pakistan. after I got married a couple months went by and then me and my husband started fighting over small small things. Me and my husband got into a fight over going to the park. afterwards in anger when I said why cant we go he got mad and said tum mere se azad ho 3 times and then said tell your father you are azad from me. I want to marry someone else who is younger then you. my father is getting a second marriage. I also want one. after this day my husbands anger started becoming worse he started fighting over tiny things like house being messy food not cooked properly why is the kid crying why is she coming to me as soon as I come home etc. he always repeats I am better off without you I wish my parents didn't do this arrange marriage and I want happiness without you. I keep trying to ignore everything and still try to be a good wife. he became cranky with me and  small things happen to me like he would say I want a skinny young pretty wife and taunt me all the time and then he started taunting my family. while he would taunt me after he would get mad he would also hit me sometimes slap punch kick me and pinch me and pull my hair and drag me. this all started 11 months after I got married but I still stayed with him and was patient.  And now around January or February  what happened was that my brother in-law called him and said stop being mean to your wife and this and that and then he got mad and around 3 am he woke up from sleep and then he kicked my door and then kicked my bed and then he slapped me and pulled my hair and said mere taraf se tumehn talaq talaq talaq mugje maaf karo tum Mere se azad sorry ke main ne tumhare saath bura kiya. Then we contacted imams and one imam said we could do rihjoo our talaq did not happen. But due to the fights and misunderstandings and me not being physically well me and my husband did not have a husband wife relation for about one year. we stayed together and then one day he was mad I was sleeping I woke up and I saw that I couldn’t breathe and my arm was burned and I he called the ambulance and then I was brought to the hospital and then they said to do a case on him but then I still didn’t instead went to nyc to stay with a friend for a week and then he promised and said he would change and then I came back to him and then again he started hitting me and then I had some close friend and her husband come and talk to my husband and they did and he promised he wouldn’t do anything at all but then again he hit me and yesterday wat he did was that he came home and started cursing my brother in law out and said very foul language and then he kicked me and my daughter outside the house after he hit me with a broom and pushed me outside the house with a stick and then he said talaq hai dafa ho jah meri zindagi se and then people around my neighborhood saw and they came and then even tho we had witnesses he still says I didn’t do anyrning and he never agrees. The police came and put me in 24 hours protection and I had family come over because I was scared to be alone and they said I should stay with him even tho after evetything I don’t want to stay with him I can’t take this anymore. now I need you guys to please help me and let me know islamiclly where does my relation stand and what should I do. Jazakallah for your time and concern in this matter.

Dealings and Transactions
ID: 602 | Date: 2019-11-04
Is this Divorce/Talaq valid?


Assalam u Alaikum Brother , This is for my sister she got married in 1994 to our cousin who was 10 year older then her. He is a good person but his everday behavior is commanding and not an easygoing person. during first year of mariage my sister asked him to divorce her while he was trying to calm her down he said ok i gave you ( acha mein ne de dee hay) then on another time he said as a warning i give you divore in present tense ( mein talaq deta houn ) to warn her . then onetime they were paosted to far place from home and my sister daughter was sick and week since she was baby. my sister said that send us back home hamein Farigh kar do and he said ok mein Farigh karta houn many times even though this strike in his mind that it could mean a divorce too but he kept on saying then they had a new nikkah considering this a Bain irrevocable divorce. The mufti sahib told them this all happened until 2003 now recently my sister need to go to tailor to stitch clothes for a wedding and coming eid and he said he will take her but when they were going and sat in the car my sister that his mood is not good look like so she said we dont go then he said i am still taking you and then they strated arguing about the past that you are like that your parents made you a liability for me. I am suffring for so many years and my sister said now i will not go to shop anymore and will stay in the car so her husband turned back the car and came back home instead she said i will not go inside now will go to my village home then he punched her in the face while her children keep asking her dont try to leave they came inside but still in fight untill the episode ended duing this time he said i leave you (jhorta houn) 2 or 3 times and also i separate you (farigh karta houn) now we are upset after so many years they are not able to cope. my sister was always at her service on one foot but everything goes in vain please help us that how many divorces are all together now. 

Dealings and Transactions
ID: 601 | Date: 2019-11-04
Money for Expenses to Wife

Assalamualaikum Mufti Saheb,

I got married in Hyderabad India.  I brought my wife to Chicago as my dependent on F2 visa.   We have three sons 9,5 and 3 year old.  All of them were born in Chicago.  We have not been to India since 2006.

There were many disputes between me and my wife over many different issues.  She called cops on me multiple times. DCFS got involved into our disputes and appointed a family counsellor.

In last Ramadan, my brother in law and his wife visited my house from UK.  My wife took oath in from of my counsellor that she would not take any action upon the arrival of my brother in law.  When we all sat down to resolve the differences, my brother in law started heated argument in front of kids.  DCFS considers an argument in front of kids as child abuse and so to avid further escalation of the issue, I stayed in Masjid.  On the day of Eid, my wife and his brother did not allow me to spend time with my kids.  Three days later I got call from Sheriff that there is an Order of Protection(OP) against me.  My wife took out the OP against me falsely alleggingme of terrorism and extremism.  When my brother in law left for UK, he left my wife and kids in a shelter where she is getting housing, cash, free transportation, etc.  I lost my student status and it seems that there is no chance of getting back into status anytime soon.  I am a software developer by profession.  I do not have work authorization.  I have been requesting my wife to come back to India with me.  She does not want to come to India.  It tool almost 90 days and $14403 to terminate the OP.  Now there is a court order between us.  My wife is not even obeying the court order.  I filed case for legal separation in the court and I am fighting for the sole custody of my kids.  Now the judge has given me time for reconciliation.

In this situation I wanted to know that according to Islamic Law, do I have to pay any money towards maintenance of my wife.

Dealings and Transactions
ID: 600 | Date: 2019-11-04
Divorce over phone


Assalamualaikum Wa Rahmatullahi Wa Barakatuhu,

Below is a statement from my son in law, please advise if based on this statement, divorce has been issued to my daughter or not. 

I issued one verbal divorce to my wife over the phone. My father and my brother were witnesses (in my presence) to this event. My wife's father has also been informed of this event for the sake of full transparency. Per the guidelines and teachings of Islamic Law, I will be sending my wife payment within the next few days in the amount of $3,000 to serve as her Nafaqah during the 'Idda.



Dealings and Transactions
ID: 599 | Date: 2019-11-04
Interest Based Mortgage


Assalaamu Alaikum,

The person leading the prayer in Jamath (Imam) bought the home using conventional mortgage (Interest based bank loan). Is he allowed to lead the prayer, islamically? We learned that interest based mortgage is non-islamic, when a person doing non-islamic thing is qualified to lead the Fard Prayer and give Qutba/Bayaan? Is our prayer accepted behind such a person?

Dealings and Transactions
ID: 598 | Date: 2019-11-04
Attorney Fees in marital dispute/legal separation


Assalamualaikum Mufti Saheb.

There is an ongoing legal separation case between me and my wife. The court has given me the visitation rights and shared-decision making rights for my children temporarily.
Now my wife violates the court order and do not allow me to visit my children and she make the decisions regarding my children on her own without sharing any information with me.
The attorney has already charged me $20,000 and now I have to go back to the attorney to file the contempt of court. The attorney would charge me again to file the petition. 
I was issued the fatwa ( S.No. 9122135 ) that I am not liable for any expenses to my wife. I have three sons, 10, 6 and 4 years old. My case in the court is to get the sole custody of the children. I request you to answer my following questions.
1. Is my wife liable for my attorney fees?
2. She is not alone but her associates are advising and helping her in depriving me of my father's rights. So does her associates are also liable for my attorney fees?
3. If she is liable then does she also become liable for the expenses that occurs in collecting the money from her?
Jazakumullah khair.
Dealings and Transactions
ID: 597 | Date: 2019-11-04


we had a fight and he slapped me and chocked my neck so i was so angry i told him to give talaq i don't wana stay with you , he said ok ja main ni di. He didn't use word talaq and aslo i was in 40days my daughter was born  . So can we count that talaq ?? 
Dealings and Transactions
ID: 594 | Date: 2019-10-31
Re-marrying After One Divorce and Beyond Three Menstrual Periods
Thank you for a prompt response, if I gave her one talaq in email, and three iddat periods are passed , can I take her back in my nikkah? We are going thru alot of troubles and unfortunately not too many people have any knowledge about revocable divorce and  not answering the questions. Please help me with question, it's very important and a prompt reply can save our future. May Allah bless you. Amen
Dealings and Transactions
ID: 593 | Date: 2019-10-31
Difference in Currency while Taking and Returning Loan


Assalamualaikum Warahmatullah Mufti sahib

I have the following question, related to my mother in law who lives in Turkey and works as a teacher.

She receives her salary from the job in Turkish lira, which for the past 2 years she has started converting into dollars right away and keeping it in her dollar account. This way when she comes to the US, she can use that money without worrying about the exchange rate and losing any money due to inflation.

Her sister’s husband for the longest time has been asking for financial support time to time. She always helped him by giving him the money he needed in lira. Recently, that person again asked for a loan and she told him that the money she is receiving, she converts it into dollars to keep in her dollar account. She mentioned the condition to him that if he really wants the money, she will have to give it to him in form of dollars. He agreed that the money she will send him in form of lira (as that person does not have a dollar account), he will convert that lira into dollars based on that day’s exchange rate and that final amount will be the amount of loan. He even told my mother in law that the final amount is XYZ dollars, she believed whatever number he informed her about.

At time of this transaction, she asked him when he will return this money to her, his responded by stating that as soon as he sells his old car, he will be sure to return that money to her. Later on, he sold the car, still did not make the loan repayment to my mother in law, on top of that, recently he has been in the currency exchange business where he surely makes money all the time, yet he does not return her money. A few months back, he did return a small portion of what he owed, in form of dollars.

In addition, now he is telling her that upon his inquiry to the Islamic scholars they have stated that returning the money in dollars will be considered haram since he took the money in form of lira at the time of the original transaction. One of the reasons why he is trying to pull this tactic off is the exchange rate of lira vs dollar has depreciated almost twice its previous worth. In other words, in past if 1 dollar was equal to 100 lira, now it has become 200 lira, returning the money in lira for him will be much cheaper as compared to returning it in dollars per the original agreement between them. Subsequently, when she receives this money in lira, she will convert it in dollars and the amount she will really receive will be half of the number of dollars she actually gave him.

My mother in law wants to understand if it is haram for her to take the money back in dollar amount instead of lira, although the original agreement was he will return the money in dollars.

Dealings and Transactions
ID: 583 | Date: 2019-10-22
Financial Investment- Permissible or not permissible


I have a question regarding a financial decision as to what is permissible per the Shariah. The question is on behalf of my sister, she is planning to invest some of her saving into my elder brother business as Investment. She wants to investment on a specific project on which my brother in law (her husband) will also will be working on it. However, my brother does not really want to take it as investment but rather as an hand loan for a specific period of time to begin with for a period of 1 year and he plans to pay her 1% of her investment as a profit rate on monthly basis and at the end of the tenure she will get back her entire principal amount.

1. Is it permissible for her to take the 1% profit amount on a monthly basis for the amount which will be deemed as a hand loan? Since it is being deemed as a hand loan is it really a profit or any kind of Riba is getting involved into? Need guidance is it permissible for her?

2. If the same amount was deemed as investment into the project, considering her husband is working with my brother as a full time on the project. How much percentage of profit is permissible on it for her?

3. Also please guide us what are the steps we need to take before making any new investment to add blessing from ALLAH swt qair and Barakaah in it InshaaAllah.

Dealings and Transactions
ID: 567 | Date: 2019-09-15
Is it permissible to invest in the stock market ?


I have heard from numerous scholars that investing in the stock market is permissible yet my parents are adamant that it is not. Also if it is permissible would day trading within the stock market be permissible?

Dealings and Transactions
ID: 557 | Date: 2019-08-26
Buying home with loan for residential use


I am presently living with my daughter & son-in-law in a 1 bedroom rental house very conjustedly. It is very conjugated how we live. It is difficult to get and rent a big house with the present income.In these circumstances we wanted to buy a home taking loan. Please give us advice.



Dealings and Transactions
ID: 554 | Date: 2019-08-20
Dealing in stock exchanges


My question is that buying share of company which is NOT dealing with haram like finance companies, entertinement companies alcohol etc. and selling the same shares after a week or a few moths is permissible or not in islam.


Dealings and Transactions
ID: 484 | Date: 2019-04-30
Father taking children when they reach puberty


I have been married for three years. Our marriage has been an unpleasant time. My husband had abused me verbally, physically, and mentally several times. I have filed for the dissolution of marriage and child’s full custody. My husband is not asking for the custody. But he wants to take the girl to his home for a day or two when she reaches the age of 9 if the daughter wishes to go with him.

Is it O.K. Islamically for the girl to spend a day or two with her father (even though he has big temper problem for no reason) while the mother has full custody.


Dealings and Transactions
ID: 483 | Date: 2019-04-30
Divorce in anger


Yesterday my wife and I had an argument. I got in a rage and was very angry. I was not thinking and said Talaaq twice. Immediately I realized what I had done and repented. My wife’s sorrows are beyond recognition and has not stopped crying since then. Please advise the status of our marriage.


Dealings and Transactions
ID: 477 | Date: 2019-04-26
Working for Banks


Alhamdulillah! I am in the process of possibly thinking of stepping down from my position at work for the sake of Allah. I was suggested to first clarify that my position is haram, before I take that step. Inshallah, you can help me understand if it is necessary for me to step down or not. I work in the bank. It is not an Islamic bank. My position is titled as, "Customer Sales and Service Representative". My position requires me to do the following: 

  • Open accounts, including accounts that earn interest. If someone does not have an account, I have to persuade them to open an account. When doing this, if they want a checking account, I must persuade them to want a savings. In many cases it's easy because it avoids them to receive a monthly service fee. 
  • Open many credit products, such as credit cards, loans, line of credit (form of a loan), various insurance products. 
  • I am required to persuade clients to have as many products, even if they don't want or need them. My job is to find a reason why they might want it. The reason is because it is 50% sales, but feels like 100%.
  • Also I work in connection with the tellers (what I was previous and also what I'm thinking of doing again). The teller are also required to referral certain number of customers to the bankers (me) to open accounts and credit products. In order for the teller to refer to me and not others, the bankers make deals. Such as if you refer a customer to me, if I get a customer that walks in, I will give that to you as a free one. So it becomes very morally wrong..
  • I also help many clients with customer service issues, complaints, etc. I can or cannot help some and visa versa. It is hard for me as an individual to say no, but there are cases I have to because of polices and procedures of the bank. I meet with many different people. Some people come in not purified, some have a strong scent of alcohol from drinking, some with blood on identification cards, etc. 
  • The one thing that I am also required to do that I would say is correct under Islam is being happy all the time, smile, welcome customers in the bank, be knowledgeable, understanding, caring, etc. 

Inshalhah, please suggest what I should do. Is my position halal or haram? Thank you in advance to help me with my efforts to please Allah. 

Dealings and Transactions
ID: 473 | Date: 2019-04-23
Future intent divorce wording


I live with my Husband and alham-dulillah we have 3 kids.  Ever since we got married, anytime we get into argument my Husband says that “I will give you Divorce” but never said I am giving you Divorce. After he clams down he is normal person and we have normal sex life.  This year my husband went to Hajj and after returning he has a doubt that our marriage is not valid because of his past divorce statements.  That’s the reason we are sleeping separately.  But I know in my heart that our marriage is valid.  Please understand our situation and provide us with the answer according to the Shariah Law.

Dealings and Transactions
ID: 464 | Date: 2019-04-09
Principles of Will - Islamic Estate Planning Compliance Inquiry


I am requesting verification and certification, so that we make proceed with your blessings and the blessings of Allah SWT, to complete, assess, document, and draft, Sharia compliant wills (Wasiyah) according to the islamic inheritence rules and guidelines of the Qur'an and Sunnah InshaAllah. Please direct me how to do so.


Dealings and Transactions
ID: 458 | Date: 2019-04-02
Bank loan


We have purchased a house in India worth 42 Lakhs. We have already given 32 Lakhs in installments. Presently we don't have 10 more Lakhs. So we need to take debt from others. I am 100% against taking bank loans. My relatives are also ready to give the money. My husband thinks what if anything bad happens and no one wants to or able to give the money. He says it is permissible to take money as a bank loan in case if no one gives or no one is able to give the debt money. Presently we haven't taken money from anyone/anywhere. We have paid the last installments in June.

Please tell my husband to be patient and trust Alllah and stop thinking about bank loans.

Dealings and Transactions
ID: 457 | Date: 2019-03-31


I have a query regarding the Olymp Trade whether it’s halal in Islam or not? We have been under huge debt, close to 50 lakhs (INR).  We came under this debt due to business losses and we lost our own house due to this.  Me and my husband both work and our commitments are higher than our salary. Hence, debt is slowly and gradually increasing. I came across Olymp trade and it involves trading by prediction.  As the name is trading, there are gains and losses.  I wanted to know whether I can use this platform and earn extra income to clear my debt.  I have a full time work and will be trading only in my free time. Can I use Olymp trade and earn extra?  If not, please suggest me any other sites which are reliable, halal, online based and I can extra.

By Allah’s grace, I pray Salat punctually and make dua to Allah to help me clear debt before my last breath.  I recite “Allahummak Fini bi Halalika An Haramika, Wa Aghnimi bi Fadhlika Amman Siwaka” in my dua.


Dealings and Transactions
ID: 436 | Date: 2019-03-11
Taking loan from UIF Bank


I want to take a loan for commercial investment. I want to buy commercial properties (after taking loan) and then put in on rent. I recently contacted Lariba and UIF islamic financing and they told me that they do offer commercial loans that are Shariah complaint. I want to know if it's Halal to take a commercial loan from UIF or Lariba


Dealings and Transactions
ID: 417 | Date: 2019-02-06
Marriage with Burhani Shia

Can my daughter marry a Burhani Shia? I am a follower of the sunni Muslim faith, please answer my question in detail with refrence to Quran Hadith and other books. 


Dealings and Transactions
ID: 323 | Date: 2018-08-22
Auto insurance Business


I live in Los Angeles. I have a query. Selling Auto Insurance is Halal or Haram in USA? Can I sell them as a Muslim? Thanks

Jazakallahu Kairan

Dealings and Transactions
ID: 300 | Date: 2018-07-14
Taking loan with possible involvement of Riba


I'm from Raleigh, North Carolina State. I'm in the market to buy a new house and shopping for Islamic home financing.

I have UIF - University Home Financing and Guidance Residential offering their Islamic Financing Services in our region.

I also have the Builder CalAtlantic Homes (now called as Lennar) offering Mortgage from their Home financing business called CalAtlantic Mortgage.

UIF and Guidance are approved Islamic financing models. Please advise, is obtaining the loan from the builder is permissible and allowed in Islam as there is possible involvement of Riba?

Jazakum Allah Khair for your time and advise۔

Dealings and Transactions
ID: 298 | Date: 2018-07-09
Speculation and Gambling in Stock Market


I have two questions, related to investment in stocks and certain types of funds:

Question 1.

My first question is about investment in "Equity" stock, and certain practices in it, that could be termed gambling.

So, this is my understanding that, all financial derivative products (like options, futures) are not allowed, and one of the reasons is because there is an element of gambling in them.

However, trading in "Equity" is allowed, under certain conditions. And those conditions do not mention anything about the possibility of gambling in "Equity" stock trading.

But, there are certain practices in "equity" stock trading that could be regarded as gambling, like speculation, and day-trading.

So my question is what is the exact definition of "Gambling" from fiqh perspective, and how it applies to "Equity" stock trading. And is there something written about "Speculation" and "Day-Traing" as well, in relation to "Equity" stock trading?

Question 2.

What is the fiqh position about investments in "Exchange Traded Funds (ETF)" and "Real estate investment trusts (REITs)"?

Thank you very much for your time, and reply.


Dealings and Transactions
ID: 292 | Date: 2018-06-20
Health Insurance


Given the current situation in the USA, what is the ruling concerning health insurance? Please consider the facts/queries below:

1) It is uncertain whether the Affordable Care Act (Obama Care) will be repealed or it will stay. Until 2017 there was a penalty for not taking health insurance but that may change in the future.

2) If a person is a business owner and can show more income in the business to reduce personal income, can he do so to qualify for Medicaid? If the government makes you pay for part of the coverage each month is it still permissible?

3) Is it permissible to purchase insurance from any provider just to cover medical expenses regardless of what the law states?

What is the preferred action for Muslims to take in these situations where health care is a necessity but, by default, purchasing insurance is haram?

JazakAllah Khair

Dealings and Transactions
ID: 265 | Date: 2018-05-26
Enrolling in 401k


I have recently got a new job.The company offered me 401k benefits and I have enrolled in it. According to the plan if I put 6% of the income the company will match 75%.The 401k for this company is maintained by vanguard .And vanguard invested it in Vanguard wellington fund admiral shares.This is all the information I have got.

I am really new to all this, and confused if this is halal or haram.Could you please guide me in right direction.

JazakAllah Khair


Dealings and Transactions
ID: 253 | Date: 2018-05-17
Medical School Loan Repayment

Assalamualaikum Warhmatullahi Wabarakatuhu

I'm trying my best to find scholarships and interest free loans that can support the high cost of medical school education. Nontheless, this is a very difficult process. There is a program offered by the government i.e. "loan repayment program". They pay off your loans (which accrues interest for four years), if you work in underserved areas for 4 years (https://nhsc.hrsa.gov/loanrepayment/). I'd rather not touch interest at all, but still wanted to ask what the Islamic perspective is in regard to this program. 

JazakAllahu Khaira

Dealings and Transactions
ID: 249 | Date: 2018-05-15
Working as a Software Tester for Insurance Company


I work for a sofware company as a full-time employee which is planning to sub-contract me to another company and that company will further be sub-contracting me to an Insurance company that offers Life Insurance and group insurance. My job there will be to automate the insursnce company's software. Until I join the job I would not know for certain whether the software being automated deals with interest or not. Is accepting such a job permissible? 

JazakAllahu Khairan