Can I work at the electronic data processing department of a bank?

Question:

I work at the electronic data processing department of a bank.  I could not find any other suitable job to do but I have to work here to bear my children.  I am a computer engineer and I do software development job here.  Is this job harām?


Answer:

 

In the Name of Allah, the Most Gracious, the Most Merciful.

 

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

 

As a principle, for a job to be permissible, the nature of the job itself has to be permissible.

The electronic data processing department of a bank involves using computers in recording, classifying, manipulating, and summarizing data. [1]  It has no direct association with the activities and trading of the bank.   According to the principles of Imām Abū Hanīfah rahimahullah, this job is permissible.  There is no sin in the job description.  The person working in such a department is not involved in any interest bearing transaction nor is he assisting in any such transaction.  His job is merely keeping track of information which is permissible.

The hadīth of Muslim narrated by Jābir radiallahu anhu that the Prophet salallahu alayhi wasallam cursed the accepter of interest, and its payer, and the one who records it, and the two witnesses, and he further said: they are all equal’[2], cannot be used to prohibit this job.  The recorder and witness in this hadīth refer to those who are present at the time of the transaction and are aiding the finalisation of the transaction; without them, the deal would not transpire.[3]  Hence, their involvement here is direct assistance in an interest bearing transaction.  The one who work in the EDP section of a bank merely stores data.  His documentation and recording does not initiate an interest bearing transaction.  Any interest transaction is not dependent on the one who works in the electronic data processing department.[4]

With regards to the source of the income, most commercial banks make money in three ways. First, the majority of revenue comes from accepting deposits from consumers and then lending that money, with interest, out to individuals and businesses in the form of bank loans.  Banks also make money by charging fees. Additionally, banks even earn returns on investments they make.[5]  The deposits and charging of fees for services are the majority of funds for a bank which are of a halāl nature.

In conclusion, employment in the electronic data processing department of a bank will be permissible and the income will also be halāl.

And Allah Ta’āla Knows Best

 

Mufti Faraz Ibn Adam al-Mahmudi,
www.darulfiqh.com


[1] http://www.businessdictionary.com/definition/electronic-data-processing-EDP.html

[2] وفي صحيح مسلم

عَنْ جَابِرٍ، قَالَ: «لَعَنَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ آكِلَ الرِّبَا، وَمُؤْكِلَهُ، وَكَاتِبَهُ، وَشَاهِدَيْهِ» ، وَقَالَ: «هُمْ سَوَاءٌ» (رقم الحديث 1598)

[3]  تقرير ترمذي لمحمد تقي العثماني ج 1 ص 39 ميمن إسلام ببلشرز

[4] في رد المحتار على الدر المختار

(قَوْلُهُ وَجَازَ تَعْمِيرُ كَنِيسَةٍ) قَالَ فِي الْخَانِيَّةِ: وَلَوْ آجَرَ نَفْسَهُ لِيَعْمَلَ فِي الْكَنِيسَةِ وَيُعَمِّرَهَا لَا بَأْسَ بِهِ لِأَنَّهُ لَا مَعْصِيَةَ فِي عَيْنِ الْعَمَلِ (ج 6 ص 391 أيج أيم سعيد)

وفي الفتاوى الهندية

مُسْلِمٌ آجَرَ نَفْسَهُ مِنْ مَجُوسِيٍّ لِيُوقِدَ لَهُ النَّارَ لَا بَأْسَ بِهِ. كَذَا فِي الْخُلَاصَةِ. (ج 4 ص 450 دار الفكر)

وفي فتاوى قاضي خان

لو أن مسلما آجر نفسه ليعمل في الكنيسة و يعمرها لا بأس به لأنه لا معصية في عين العمل (ج 3 ص 330 دار الكتب العلمية)

في حاشية ابن عابدين

(قَوْلُهُ وَجَازَ إجَارَةُ بَيْتٍ لِيُتَّخَذَ بَيْتَ نَارٍ أَوْ كَنِيسَةً أَوْ بِيعَةً أَوْ يُبَاعَ فِيهِ الْخَمْرُ) هَذَا عِنْدَهُ أَيْضًا لِأَنَّ الْإِجَارَةَ عَلَى مَنْفَعَةِ الْبَيْتِ، وَلِهَذَا يَجِبُ الْأَجْرُ بِمُجَرَّدِ التَّسْلِيمِ، وَلَا مَعْصِيَةَ فِيهِ وَإِنَّمَا الْمَعْصِيَةُ بِفِعْلِ الْمُسْتَأْجِرِ وَهُوَ مُخْتَارٌ فَيَنْقَطِعُ نِسْبِيَّتُهُ عَنْهُ (ج 6 ص 392 ايج ايم سعيد)

كذا في كتاب الفتاوى ج 5 ص 392 زمزم

كذا فتاوى حقانية ج 6 ص 258

[5] http://www.gobankingrates.com/banking/how-do-banks-make-money


[6]ففي الفتاوى الهندية

آكِلُ الرَّبَّا وَكَاسِبُ الْحَرَامِ أَهْدَى إلَيْهِ أَوْ أَضَافَهُ وَغَالِبُ مَالِهِ حَرَامٌ لَا يَقْبَلُ، وَلَا يَأْكُلُ مَا لَمْ يُخْبِرْهُ أَنَّ ذَلِكَ الْمَالَ أَصْلُهُ حَلَالٌ وَرِثَهُ أَوْ اسْتَقْرَضَهُ، وَإِنْ كَانَ غَالِبُ مَالِهِ حَلَالًا لَا بَأْسَ بِقَبُولِ هَدِيَّتِهِ وَالْأَكْلِ مِنْهَا، كَذَا فِي الْمُلْتَقَطِ. (ج 5 ص 363 دار الفكر)



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