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Q. (1) Is it Jaiz (permissible) to take an insurance policy from a conventional insurance company to cover our employees against liability in the following circumstances :

Injuries that may be suffered by workers (company employees) due to accidents in the course of their work.

Within the company’s premises.

Whilst traveling in company vehicle.

Injuries that may be suffered by innocent parties involved in accidents within the company’s premises or in company vehicles.

In the case of motor insurance it is a statutory requirement that vehicles owners must obtain an insurance policy to cover third party risks and the company complies with this requirement. This is the only form of insurance cover that the company now takes.  Read more... (449 words, estimated 1:48 mins reading time)

Q. Kindly throw some light on the use of credit cards, which are floating in the market. Majority of these cards belong to Professional banking institutions, such as American Express, City Gold Card etc. However, some cards are issued by companies such as Diners club etc, which are not themselves banking institutions. Please explain the ruling of Shariah about both these cards. In your reply please cover both the aspects of using credit cards, first as holders of the card, used to offset the purchase price and second, when we accept these cards as sellers.
(Muhammad Salman, Karachi)  Read more... (484 words, estimated 1:56 mins reading time)

Q. Observing Muslims all over the world which, unfortunately includes those living in Muslim countries, face the problems brought before them by unwanted interest money generated in their name through channels they do not control. This happens inspite of their being careful against whatever is likely to get them involved in interest bearing activity.

In case, interest does come into their accounts, no matter how unwanted, is there a valid way under the Shariah through which the identified interest amount can be disposed off?

1. Can it be taken out of the account and used to pay personal or company income tax.?  Read more... (843 words, estimated 3:22 mins reading time)

Q. “Thank you for your answer to my question which appeared in November 1991 issue, concerning the adjustment of the Interest amount to the loss of principal in the BCCI. Please clarify whether the interest received from another source other than BCCI can be adjusted against loss of capital in BCCI?
(M.S. Desai, Saudi Arabia)  Read more... (215 words, estimated 52 secs reading time)

Q. The question arises as to whether the use of the loop (Intra-uterine device – IUD), which is inserted in the uterus of the woman, is permitted as a means of birth control. The effect of the use of the loop is summarised in the letter of Dr A E Suliman, an experienced and qualified gynaecologist.
In some cases, the sperm and ovum are destroyed prior to fertilization. In other cases, fertilization takes place but the resultant fertilized ovum which takes the form of cellular material is prevented from becoming implanted in the inner wall of the uterus. it the time of such expulsion of the fertilized ovum. Mufti Jaleel Qasmi Sahib has expressed the view that the use of the loop in such circumstances is permissible although not encouraged, such view being based on the analogy of AZAL. A general medical practitioner has raised an objection to the effect that the cellular material which is so expelled contains life but then, in answer, the sperm and the infertilized ovum also contains life. Your considered FATWA on the matter would be greatly appreciated as soon as possible, and is requ- ired by the Jamiatul Ulema, Natal.
(M.S. Omar, South Africa)  Read more... (469 words, estimated 1:53 mins reading time)

Q. “Some people insist that a Muslim, while selecting a woman for marriage should not pay any attention to her physical or facial appearance. He should only see whether she is a religious woman or not.In this respect a Hadith is often referred to, wherein the Holy Prophet ( Sallaho Alaihai Wasallam) is reported to have said, “A woman is married either for her beauty or for her wealth or for her religious behavior. So you must try to choose the woman committed to her religion.” They argue that the considerations of beauty and wealth have been condemned in this Hadith, while the consideration of religion has been confirmed and stressed upon. Please explain whether this Hadith is authentic and whether the above mentioned point of view is correct according to this Hadith.  Read more... (549 words, estimated 2:12 mins reading time)

Q. A lives in the United States of America. He wants to marry B, a gril living in Karachi. A, for a number of reasons, cannot come to Karachi to marry her, nor B can go to U.S. unless she is proved to be the wife of A. How can A and B contract a valid marriage without meeting each other?

Is it permissible for them under Shariah to contract marriage on telephone by pronouncing offer and acceptance?  Read more... (384 words, estimated 1:32 mins reading time)

Q. “In the secular legal system, adoption of a child by couples is lawful as we all know. Please elucidate the position of Shariah in this regard. How far such an adoption is permissible in Islam, and if so, what are the rights and obligations of the parties involved in such a situation?” (Yousuf Ghani, New York)  Read more... (387 words, estimated 1:33 mins reading time)

Q. ” When it come to marrying a christian or a jewish girl or boy, the Muslims youths argue that the Holy Qur’an has allowed such a marriage. Since we are living in the midst of jews and Christians, we preeminently need to know the correct and precise Islamic position in this respect. please provide the guidance and oblige.”
(Dr. Zakaullah, New York)

A. The Holy Qur’an has never allowed the Muslim girls to marry a non-Muslim boy, no matter whether he is a Christian or a jew or a Hindu or a Parci. However, The Holy Qur’an has allowed a Muslim boy to marry a Christian or a jewish gril. But there are two important points which should always be kept in mind in this respect :  Read more... (391 words, estimated 1:34 mins reading time)

Thoughts and powers. This revolution was to nullify the efforts of all those conquerors of the past who had won the land for Islam. It also meant the invalidation of the labours of Khwaja Moin Uddin Chisti and his pure hearted disciples who had on the one hand preached the message of love and humanity and social justice to the people and, on the other, provided moral and spiritual guidance to rulers to run the country as conscientious, true-hearted and God-fearing servants of the country. This was not all, for this revolution threatened to destroy the entire educational system and intellectual fabric of the land which had been laboriously built up by these men of God.  Read more... (1139 words, estimated 4:33 mins reading time)