Is it permissible for him to take out a riba-based loan so that he can get a good job after that?

I am a man aged over 40. I have a BSc in computer sciences and a Masters in the same field. I live in America. Every time I start a job, I get fired without any reason being given, except that they refer to one of the clauses in the job contract which says that the employee or the company has the right to cancel the contract without giving any notice or any reason. I have started accepting lower-level jobs in my specialty with lower salaries, but the result is always the same: after two months or six months or seven months, my contract is ended, or in other words they fire me from my job. Last time I worked in major car companies, then they terminated my job without giving any reason; that was four years ago. Since that day I have not been able to find any job except in one of the Gulf countries where I worked for six months, then my contract ended and the manager, who was a Westerner, did not want to renew my contract and none of the Muslims who were citizens of that country defended me. 
I came back to America and to my wife and four children. I have been in America for more than a year and a half and I have not found work. 
I have decided to go and study another specialty other than computers, but I am confronted with the reality that study costs a lot and I have to take a loan from the state and from the bank which will be based on riba. Please note that I have avoided riba for many years in the past because I know that it is haraam. 
But in the present situation I cannot find anyone who is well off and will agree to give me a loan, and I cannot find any work in my specialty. Please note that I have done everything that I should do to make plans to apply for jobs and so on, but I have not succeeded and I do not know what the reason for it is, other than it being a test from Allah. 
I have reached my mid-40s and my four children are growing up and I am unemployed. … I have to change my specialty to another. My wife is very patient but she does not know why I cannot find work. Please note that, praise be to Allah, I adhere to what is halaal and keep away from what is haraam. I have spent all or almost all of my savings, and have exhausted all sources of government assistance, and I only get food stamps. 
I feel that I am forced by necessity to take out a riba-based loan so that I can study for four years, then I will pay back the loan with riba after that. I have looked for other work but I have not found anything.
Is it possible that someone has put a spell on me to prevent me from receiving provision (rizq) from Allah by His leave?.

Praise be to Allaah.

Firstly:

The issue of provision and wealth has nothing to do with whether one is a believer or a disbeliever. This is something that Allah bestows on all His slaves, believers and disbelievers alike. Allah, may He be exalted, says (interpretation of the meaning):

“To each these as well as those We bestow from the Bounties of your Lord. And the Bounties of your Lord can never be forbidden”

[al-Isra’ 17:20].  Continue reading

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Is it permissible for the borrower to promise the lender a gift when paying off the loan?

If a friend borrowed some money from me then said to me: When I give it back to you I will give you something in appreciation and he did not state a particular amount, is this regarded as a kind of riba or not?.

Praise be to Allaah.

If the borrower gives back more than he took without any prior stipulation or agreement at the time of taking the loan, there is nothing wrong with that. There are a number of hadeeths that speak of that.

Al-Bukhaari (443) and Muslim (715) narrated that Jaabir ibn ‘Abdullah (may Allah be pleased with him) said: I came to the Prophet (blessings and peace of Allah be upon him) when he was in the mosque and he said: “Pray two rak‘ahs.” And he owed me a debt, so he paid me back and gave me something extra.  Continue reading

Is it permissible to send our children to an Islamic school that was built with a riba-based loan?

Should Muslims send their children to an Islamic school where it was built with a loan involving riba (interest)from a bank? It is the only Islamic school in the city so there is no Islamic alternative. By the way, that Islamic school has quite a bit of trouble and has not run smoothly since it opened, probably due to the riba.

Praise be to Allaah.

Allah, may He be exalted, has enjoined parents to take care of their children, both male and female. Taking care of them is not only limited to giving them food and drink, and clothing them; rather there are things that are more important than that and more deserving of the parents’ attention and concern. What we mean by that is bringing children up with Islamic attitudes and love of the faith; teaching them beneficial Islamic knowledge; making sure that they are adhering to Islamic duties, foremost among which is the prayer; and making sure they avoid bad friends and bad attitudes.  Continue reading

Should he take out a loan in order to buy the udhiyah (sacrificial animal)?

Iam a 24 year male..iam having severe hair loss problem and i can see the back part of my head clearly as bald..i want to go for a hair replacement in which the doctor fixes human natural hair on my scalp without any surgery..
now i would like to know weather i would be able to offer namaz and will my namaz be accepted according to sharyat with that hair on my head?.

Praise be to Allaah.

There is nothing wrong with this remedy which is intended to make the hair grow and to treat hair loss. And that will not have any impact on the validity of your wudoo’, so you can wipe over your head along with any hair, old or new. Your prayer will also be valid, praise be to Allah.

For more information, see the answer to question no. 47664

And Allah knows best. Continue reading

Should he obey his mother by taking out a riba-based loan?

I am working in Tata Consultancy Services Ltd as a Team Leader for 2.3 years, Chennai. Alhamdulillah, I am earning a good salary and after withdrawing it, I keep some amount for Zakaat and Sadqah and the remaining I give it to my mother. She insists me to buy a home and a car for loan. I rejected it immediately because it involves riba (interest).
She is aware that Riba is total haram (prohibited), but she continues to demand and scold me because my other family members have car and own house. I said “Allah (swt) has prohibited interest in Islam”. She said” I know it, but you have to hear (obey) what I have said”. When I rejected the request, it made her very angry and sometimes she does not speak to me.
Please advice me what shall I do. We are living as one family and I dont want to leave my parents because I love and respect them.

Praise be to Allaah.

Firstly:

It is obligatory to obey parents except in matters that are sinful, because the Prophet (blessings and peace of Allah be upon him) said: “There is no obedience to any human being if it involves sin; obedience is only in that which is right and proper.”

Narrated by al-Bukhaari, 7257; Muslim, 1840.

And he said: “There is no obedience to any human being if it involves disobedience of Allah.”

Narrated by Ahmad, 1098

Obedience to parents is obligatory upon the child in matters that are beneficial to them and do not harm the child. With regard to that in which there is no benefit for them or there is harm for the child, he is not obliged to obey them in that case.

Shaykh al-Islam Ibn Taymiyah (may Allah have mercy on him) said in al-Ikhtiyaaraat (p. 114): The individual is obliged to obey his parents in matters that are not sinful, even if they are evildoers. … This has to do with that which is beneficial for them and not harmful for him. End quote.  Continue reading

He bought shares by means of a riba-based loan; what should he do?

I bought shares in the stock exchange by means of a riba-based loan and using credit cards, and from my salary, and I have repented to Allaah. 
How can I make the shares halaal? 
Please note that I owe loans and credit card payments to the bank. 
Is it permissible to sell the shares that I bought from the stock exchange and get rid of some of the loans and the rest from my salary? Or should I pay what I owe on the loan and credit cards via an Islamic bank?.

Praise be to Allaah.

Firstly:

It is not permissible to take loans on the basis of riba, whether to buy shares or anything else, because riba is haraam and abhorrent and reprehensible, and 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

He mortgaged his house with the bank, in order to take out a loan

My parents made the mistake of getting into a mortgage house awhile back and we have definately seen the effects of that sin. After making countless dua to Allah for my parents and asking to forgive us and trying my best to please Allah (swt)Alhamdulillah my parents decided to sell the house and move into a rent and not deal with riba. And because of that the house was sold in 1 day and made things soo easy. At first I was shocked because it wasnt like that before when they wanted to sell the house. Then I realized that with the right intention Allah makes things easy.Alhamdulillah. Im not sure how the banking or mortgage thing works but they had to pay the interest first monthly for number of years then when they finished that they started paying for the house monthly.Now the price of the house has increased from the time they had bought it and when they sold the house they made some profit because of that. My question is..is it ok for them to use/benefit from that profit made, like pay off other debts, invest it in a business etc?.

Praise be to Allaah.

There is no sin in the act of using a house or other wealth or property as surety for a loan, in and of itself. Such a pledge is in fact merely giving a guarantee for the debt, so as to assure the lender that he will get his rights from that pledge, if the borrower does not pay off the debt in time or does not pay it in full.  Continue reading

Stipulating a fixed penalty in the event of a delay in repaying a loan

My question is about bank interest(sood).
I live in england as a foreign student. here in england a bank is offering an account which allows you to overdraw up to £2500.which is free for first 4 months from the date of opening the account. if you withdraw the money after 4 months or you withdrew the money before that period and you didnt pay back the money you would be charged £1 daily no matter you withdrew £1 or £2500.there are no other charges. Does this £1 daily charge come in interest or it is legitimate as interest is always in percentage of the amount you use…
some of my friends say that it doesn’t come in interest or sood as it is not the percentage of the amount you use rather it is bank services charges which is fixed whether you withdraw £1 or £2500..
if you want to know further about this bank account you can visit the website of bank. bank name is halifex and account name is switch accnount.
I am looking for your reply as I desperately need this money if it is legitimate .

Praise be to Allaah.

It is not permissible to stipulate any benefit when giving a loan, or to stipulate a penalty in the event of a delay in repayment, whether the penalty is fixed or is connected to the amount of money borrowed. And it is not permissible to take a loan if a penalty is stipulated, even if the borrower is determined to pay back on time, because entering into this contract is committing to riba and approving of it, in addition to the fact that a delay may occur, thus forcing one to pay the penalty.  Continue reading

Should he take a riba based loan to save his father from going to prison?

My father owns two pieces of land. He invested one of them in an agricultural project depending on his own money, governmental grants, and an interest-based loan. Since he could not complete his first project, he had to invest the second piece in another agricultural project. But the state here and the agricultural bank do not give money for more than one project at one time. So I rented the second piece of land from my father and wrote it in my name. And thus I considered it helping my father (I do not really run the project, I just did this being good to my father).
  My father continued his project and became heavily in debt, and became fully dependant on the second loan. That time I knew that the interest-based loans are considered Riba, and that it is considered great sin, no difference in that between the one who takes it, gives it, witnesses it or write it down.
  Since I refused to sign the second loan, we tried to find another source for money. But it is very difficult to find the needed amount of money in a little time. Especially that we became badly in need for money, as we must spend to take care of the trees or they will die and be lost.  
My father had to write cheques, without funds in his bank, so he is exposed to be jailed. (In our country if you cannot pay then you will be jailed). Thus he will not be able to pay off his debt; he will loose also his project and his mortgaged land.  
The question:
Are the mentioned above circumstances considered necessity that allows me to sign on the second loan?

Praise be to Allaah.

Firstly:

It is obvious to you that taking riba based loans is haraam, and that it is a major sin which incurs the wrath and punishment of Allaah, and the one who does that is given a threat of war from Allaah. Hence the one who resorts to that rarely succeeds.

Based on this, your father has to repent to Allaah and regret what he has done, and resolve not to do it again in the future.  Continue reading

Can he sell his house to someone who he knows is going to buy it with a riba-based loan?

My friend has a house. He wants to sell it, and Allah made it easy for him to find the buyer. The buyer wants to buy this house using a Riba-based mortgage from a non-Islamic bank. Is my friend permitted to sell this house to him knowing that the buyer will use a Riba-based mortgage to pay him? Is this considered co-operating in sin and transgression? Or the sin is on the buyer here?.

Praise be to Allaah.

It is permissible for your friend to sell his house to whoever wants to buy it, even if the buyer is going to get the money by taking a riba-based loan, because what is haraam here has to do with the borrower. Loans that are subject to riba, even though they are haraam, still confer ownership according to the Hanafi and Hanbali view, and according to some of the Shaafa’is, i.e. the one who takes a riba-based loan takes possession of the wealth that he borrows. Based on that, it is valid for him to buy whatever he wants with it, even though he is sinning by engaging in riba.  Continue reading