Child marriage in Islam is subject to the condition that it serve a clear and real interest

From my understanding, Islamic Law states that if a girl passes puberty, she is allowed to be married – regardless of whether she is 9, 11, 15 etc Does the law take into consideration her emotional and mental readiness to be married, despite the physical ability to be able to bear children? It disturbs me that young girls who pass puberty are automatically believed to be whole-heartedly ready for marriage and motherhood JUST because she is physically able to do so. Isnt it equally important that she is emotionally and mentality ready for this role?
Also – does Islamic Law also state that if a boy passes puberty (regardless of his age), he is ALSO allowed to be married?.

Praise be to Allaah.

Firstly:

It is permissible for a man to arrange a marriage for his young son even if he has not reached puberty; it is also permissible for him to arrange a marriage for his young daughter even if she had not reached the age of puberty. It was narrated that there was consensus on this point, but that is provided that compatibility is taken into account and that a clear and real interest is served by this marriage.

Ibn ‘Abd al-Barr (may Allah have mercy on him) said:

The scholars are unanimously agreed that the father may arrange a marriage for his young daughter without consulting her. The Messenger of Allah (blessings and peace of Allah be upon him) married ‘Aa’ishah when she was six years old. Continue reading

Should he help his father to fill out a form to reduce interest payments?

5 years ago my parents decided to buy an apartment by taking a riba based loan. I have tried very hard to tell them that this is haram and it can have grave consequences. I have tried more than once, but they decided not to listen to me so they bought an apartment witha riba based loan. Now my fathers finacial situation became bad, and he cannot afford to pay the full payment, so the bank gave him an option, to apply for “Loan modification” which is supposedly supposed to help him lower the payment. Since they don’t speak english that well they have asked me to fill this application out, which is not a loan contract, because they already have that, this is supposed to lower their payment, by putting basic infortmation, such as how much he makes, does he live in this apartment or is he renting , etc. So can I Help them fill this out (translate for them) so that their riba baased loan will be reduced?.

Praise be to Allaah.

It is haraam to take out a riba-based loan to buy a house or anything else. You did well to refuse to do that and advise your parents accordingly.

The one who takes out a riba-based loan should pay back the original money, but he is not obliged to pay the interest unless he is compelled to do so. It is permitted for him to use trickery to avoid it.  Continue reading

Ruling on cards issued by Islamic banks which allow one to borrow without interest

What is the ruling on the cards which are issued by Islamic banks, whereby the one who wants them pays subscription fees, then he can borrow from the bank without paying interest? Is the cost of subscription regarded as interest? Please note that if the customer does not borrow from the bank during that period, he will not get the price of subscription back.

Praise be to Allaah.

It is not possible to pass a ruling on any of these cards without examining them properly and finding out the system followed.

In general, there are two issues contrary to sharee’ah which the card must be free of:

1.     Where the subscription fee is greater than the actual expenses incurred by the bank in issuing this card, because this additional amount in return for the loan is riba.

2.     Where the bank imposes a penalty in the event of late payment. This is undoubtedly riba, whether the bank benefits from the penalty or donates it to the poor and the like.

Please see the answer to question 101947, in which it refers to the presence of these two objectionable matters in cards which it is are sharee’ah compliant.

This is what confirms the importance of checking every card before passing judgement concerning it, and not being deceived by the fact that it is issued by an Islamic bank or with the approval of the sharee’ah committee.

And Allaah knows best. Continue reading

Her father put money in the bank for her and gives her the interest as a gift

My father has deposited a fixed amount in the bank by my name.The riba(bank profit) that he gets on it,he gives it to me as a gift.Can you please tell me whether the money is halal for me and whether I can use it or not.Can you also recommend where should I spend the money?.

Praise be to Allaah.

It is not permissible to put money in the riba-based bank unless it is necessary to protect it and there is no Islamic bank. In that case, it should be restricted to putting it in a current account with no interest from the bank.

The one who deals with riba knowing that it is haraam has to get rid of the interest by giving to the poor and needy, or spending it on the public interests of the Muslims, such as schools, hospitals and so on. It is not permissible for the person to benefit from interest himself.

With regard to the money asked about here, if it was deposited in your name and thus becomes your property and you can dispose of it, you have to get rid of the interest and advise your father to repent from riba and to give it up; you also have to try to take the money out of the riba-based bank.  Continue reading

Is it permissible for him to buy a computer for his son using interest he has received or keep it in return for waiving debts owed to him?

I want to get rid of some interest. Is it permissible for me to (i) give it to my son who is a university student aged 22 and he does not have any income except what his father spends on his maintenance for food and drink and the like? Is it permissible for me to give him some of this interest so that he can buy a computer and other things that will help him in his studies?; or (ii) to give it to my siblings who are hard up? Is it permissible for me to keep some of this interest in return for loans that I had lent and that they did not give back to me, and to let them off?.

Praise be to Allaah.

Firstly:

It is haraam to deal with riba in all forms and this is a major sin. Allaah says (interpretation of the meaning):

“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.

279. And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”

[al-Baqarah 2:278-279]  Continue reading

Ruling on taking interest from his brother, and does he have to use it only to buy paraffin for heating?

My paternal uncle has money in the bank that earns interest; he used to take it and distribute it among his siblings to buy paraffin for the stove, and said that this interest must only be used for heating, and he gave us our share on condition that it be used for buying paraffin. Is it permissible to spend the money on something else?.

Praise be to Allaah.

Firstly:

It is not permissible to deal with riba (usury, interest) either by putting money in the bank or taking out a loan, because of the stern warning on the consequences of dealing with riba in this world and in the Hereafter. Allah, may He be exalted, says (interpretation of the meaning):

“O you who believe! Fear Allaah and give up what remains (due to you) from Ribaa (from now onward) if you are (really) believers.

279. And if you do not do it, then take a notice of war from Allaah and His Messenger but if you repent, you shall have your capital sums. Deal not unjustly (by asking more than your capital sums), and you shall not be dealt with unjustly (by receiving less than your capital sums)”

[al-Baqarah 2:278-279].

And Muslim (1598) narrated that Jaabir (may Allah be pleased with him) said: The Messenger of Allaah (peace and blessings of Allaah be upon him) cursed the one who consumes riba and the one who pays it, the one who writes it down and the two who witness it, and he said: they are all the same.  Continue reading

Should he claim bankruptcy so that interest charges will be waived from him?

My husband and I owe money which contains interest. We were wondering if it is permissible to claim bankruptcy with the intention of paying it back to who we owe the money to. With the amount of debt we have most of our payments go towards it monthly, however it is not minimizing our debt it is only paying interest on it. And if we claim bankruptcy then the interest will stop and we can pay back what we owe. Is this an honest way of doing this or do we have to continue paying our monthly bills keeping in mind it is not decreasing because of this interest. We both sincerely regret ever taking these loans and hope to never deal with interest in the future inshallah. I hope my question is clear

Praise be to Allaah.

Dealing with riba is emphatically forbidden and is a major sin. The one who gets involved with any of that has to repent to Allah, resolve not to go back to riba and pay off what he owes of the capital, but he does not have to pay off the interest; he should try to get out of paying unless he is forced to do so and cannot find any way of avoiding it.

Some of the ways of avoiding paying interest are:

1.     Hastening to pay it off. If hastening to pay off the debt will cause the interest to be waived, and he is able to do that, then he should do it so as to protect his wealth and cut off any connection to riba.  Continue reading

Paying wealth acquired from interest to avoid compulsory conscription

Serving in the army is compulsory in my country. While kufr is tolerated, salaah, Quraan and everything that has a relation to Islam is banned; one will even be punished if he practices it. We can avoid conscription by paying a large sum of money.
The question:
Is it permissible to use the wealth gained from interest in order to avoid joining the army? Considering that we do not have Islamic banks here.

Praise be to Allaah.

Firstly:

If the matter is as you describe, that kufr is allowed in this army and prayer and reading Qur’aan are not allowed, then there is nothing wrong with paying money in order not to join up, and it is permissible to avoid it by all Islamically acceptable means.   Continue reading

Do the heirs have to get rid of interest/riba?

My father has passed away and left a wealth for us in a governmental bank. Interest has been added to this money since he firstly put it in the bank 1986 until he died in 2005. After my father died I cancelled the interest, and now I am trying to get rid of it.
My question is: Do I have to get rid of all the interest that was added since the money was firstly put in the bank, or only the interest of the last one or two years before I cancelled it?.

Praise be to Allaah.

It is not permissible to put money in riba-based banks except in cases of necessity in order to protect it when there is no Islamic bank. In that case one should only use a current account (i.e., without interest), on the basis of doing the lesser of two evils. The interest that is taken for depositing money in a riba-based bank is haraam and it is riba which has been forbidden by Allaah and His Messenger in emphatic terms. Hence you should get rid of it by spending it in the public interest and on charitable causes. See the answer to question no. 20876 and 45691Continue reading

Taking interest to make up for loss of money’s real value

Money looses its buying power as much as life becomes more expensive. For example, if life becomes 2% more expensive, the buying power of a 100 dinar today will be 102 in a year’s time. What is the ruling if I deal with a bank just to keep my money’s buying power, i.e. receive interest that just makes up the loss of my money’s purchasing value?.

Praise be to Allaah.

Firstly:

Undoubtedly the ever-rising cost of living means that keeping money will cause it to lose some of its buying power. Hence you should look for Islamically acceptable ways of investing it.

Based on the risks involved in investment and the loss of trust in investment companies among many people, some of them have resorted to putting their money in riba-based banks and taking interest. This stems either from ignorance of the fact that this is haraam, or from preferring this world over the Hereafter. Putting money in riba-based banks is gravely haraam, because it is riba, for which the one who consumes it, the one who pays it, the one who writes it down and the two who witness it are all cursed. It is the riba for which Allaah has issued a declaration of war and divine wrath for the one who does it.  Continue reading