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462 Hanafi answers on worship, commerce, marriage and everyday life, each with its ruling, its Fiqh basis and its sources.
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What is the ruling of Zakat on gold given to a relative to pay off their debt?
Gold given to pay off a relative's debt is a loan: you pay zakat on its gold content and take back the same weight.
Answered by Mufti Faraz Adam ConditionalCommerce & FinanceAre ISAs Shariah compliant?
Conventional cash ISAs pay interest and are impermissible; stocks and shares ISAs must be screened or certified by a Shariah board.
Answered by Mufti Faraz Adam ConditionalWorshipWhen should one break a fast when residing in high altitudes and the sun is visible?
If the sun is still visible from a high building, wait until you see it set or are sure it has; a few minutes past the timetable suffices.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceWhat is the ruling of shill bidding on ebay?
Shill bidding was prohibited by the Prophet ﷺ, breaches eBay's terms, and is sinful.
Answered by Mufti Faraz Adam Requires detailWorshipIs there Zakat on a tenancy deposit?
No zakat is due on a protected tenancy deposit because it is not in the tenant's physical or constructive possession.
Answered by Mufti Faraz Adam Requires detailWills & InheritanceWill funeral payments from the Social Fund form part of the Estate?
A Social Fund funeral payment made to the eligible next of kin belongs to them as a gift and does not form part of the estate.
Answered by Mufti Faraz Adam Requires detailWorshipIs Zakat payable on funds in a SAYE (Save As You Earn) Scheme for a Royal Mail Employee?
Funds in a Royal Mail SAYE savings contract are withdrawable savings and fully subject to zakat.
Answered by Mufti Faraz Adam Requires detailWorshipIs Zakat payable on Fixed Term Deposit accounts in Islamic Banks managed under Wakalah?
The whole balance of a Wakalah fixed-term deposit is zakatable, since funds are invested in assets held for resale.
Answered by Mufti Faraz Adam ConditionalCommerce & FinanceAre Overdraft Facilities in Bank Accounts Permissible?
An overdraft is a loan: a free one is permissible, but one with fees involves interest and should be cancelled.
Answered by Mufti Faraz Adam Requires detailBelief & SciencesWhen is a deceased person who has to undergo a post-mortem examination questioned by the angels of the grave?
The questioning happens at the body's final resting place, so someone undergoing a post-mortem is not questioned until buried.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceCan an advance rental payment be retaken by the lessee for his needs?
A lessee cannot reclaim advance rent; it belongs to the lessor unless the lease is mutually cancelled or unusable due to the lessor.
Answered by Mufti Faraz Adam ConditionalWorshipCan a debt be relieved as a form of Zakat payment?
Forgiving a debt counts as zakat only when the debt is your only zakatable asset and you forgive all of it, not 2.5%.
Answered by Mufti Faraz Adam ConditionalWorshipIs it permissible to pay Zakat in installments?
If a lump sum is hard, pay in monthly instalments in advance; some muftis also allow instalments in arrears when unable to pay.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceI used a car park without purchasing a parking ticket. Do I owe them money?
You must pay for the hours you parked without a ticket, e.g. through the pay machine, and repent.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceIs it Permissible to Trade in Binary Options?
Trading binary options is not permissible.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceCan I open an interest-bearing bank account to donate the interest in charity?
You may not open an interest-bearing account to donate the interest; use an Islamic or non-interest account instead.
Answered by Mufti Faraz Adam Requires detailCommerce & FinanceAre there any Halal and Shariah compliant mortgages in the United Kingdom?
The mufti defers to the Shariah boards of UK Islamic banks, whose approvals one may follow, rather than certifying mortgages himself.
Answered by Mufti Faraz Adam PermissibleCommerce & FinanceIs It Permissible To Use The First Direct Current Account Which Requires a Monthly Fee?
A non-interest First Direct current account is permissible; its £10 monthly fee is a service charge, not interest.
Answered by Mufti Faraz Adam ConditionalCommerce & FinanceIs It Permissible To Reclaim PPI (Payment Protection Insurance)?
Reclaiming mis-sold PPI is permissible up to the amount you paid the insurer in premiums.
Answered by Mufti Faraz Adam Requires detailWorshipIs there Zakat on Air Miles?
Air miles, frequent flyer miles and travel points are not subject to zakat, whatever they can be redeemed for.
Answered by Mufti Faraz Adam Requires detailWorshipIs there Zakat on Aviva Life Insurance Plan?
No zakat is due on premiums paid into the policy, but life insurance without legal necessity is prohibited and sinful.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceIs It Permissible To Trade In Preference Shares?
Unlike ordinary shares, investing in preference shares is not permissible per AAOIFI, the Fiqh Academy and most Islamic finance bodies.
Answered by Mufti Faraz Adam ImpermissibleWorshipCan Zakat be Used to Buy a Charity Cake in Auction?
Zakat cannot be used to buy a cake auctioned for charity.
Answered by Mufti Faraz Adam ImpermissibleCommerce & FinanceIslamic Employment Law on Delaying the Payment of Wages to Staff
Wages must be paid on the agreed date; delaying them without reason is sinful, and 'khidmah' cannot excuse late or low pay.
Answered by Mufti Faraz Adam Requires detailWorshipIs it compulsory to go for Hajj if someone offers to cover one’s travel expenses?
Hajj becomes compulsory only if you own enough cash for a package; you are not obliged to accept someone's offer to pay.
Answered by Mufti Faraz Adam PermissibleCommerce & FinanceCan a Lender Demand A Loan Repayment Prior to Maturity?
In the Hanafi school a loan stays payable on demand, so the lender may ask for repayment early; AAOIFI standards differ.
Answered by Mufti Faraz Adam ConditionalCommerce & FinanceIs it Permissible To Opt For A Credit Card With Lower Interest Rates to Pay Off A Credit Card With Higher Interest Rates?
Seek an interest-free loan or 0% APR first; only as a last resort may one switch to a lower-interest card, while repenting.
Answered by Mufti Faraz Adam Requires detailWorshipIs The Profit and Loss Account Used For Zakat Calculation?
A company's profit and loss account is irrelevant; zakat is calculated from zakatable assets on the balance sheet, even in a loss year.
Answered by Mufti Faraz Adam Requires detailCommerce & FinanceWhat Is The Difference Between Trading, Investments and Gambling When The Outcome Is Uncertain In All and All Have Risk?
Gambling is a zero-sum stake on an uncertain event with no asset ownership; trading and investment involve owning assets and shared risk.
Answered by Mufti Faraz Adam ImpermissibleWorshipIs it Permissible To Operate an Agency Business For Hajj al-Badl (Hajj by proxy)?
In the Hanafi school, charging a service fee or running Hajj al-Badl for profit is not permissible; only the proxy's expenses may be covered.
Answered by Mufti Faraz Adam