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One of the student of knowledge told me mufti taqi usmani is an expert in this and he is the highest ranked scholar in your country and that’s enough for am Aami to know. Below is the nature of their agreement Car Ijarah is Pakistan’s first Interest Free car financing based on the Islamic financing mode of Ijarah (Islamic leasing). This product is ideal for individuals looking for car financing while avoiding an interest-based transaction. Meezan Bank’ Car Ijarah is a car rental agreement, under which the Bank purchases the car and rents it out to the customer for a period of 1 to 5 years, agreed at the time of the contract. Upon completion of the lease period the customer gets ownership of the car against his initial security deposit. An Islamic Ijarah is an asset-based contract, i.e. the Lessor should have ownership of the asset during the period of the contract. Under Islamic Shariah, all ownership related rights and liabilities should lie with the owner while all usage-related rights and liabilities should lie with the user. A conventional lease contract does not distinguish between the nature of these liabilities and places all liabilities on the user of the asset, which is contradictory to Islamic Shariah. Under Ijarah, all ownership-related risks lie with the Bank while all usage related risks lie with the user, thus making the Lessor the true owner of the asset and making the income generated through the contract permissible (Halal) for the Bank. Continuation of lease rentals in case of total loss or theft of vehicle If the leased vehicle is stolen or completely destroyed, the conventional leasing company continues charging the lease rent till the settlement of the Insurance claim. Under the Islamic system, rent is consideration for usage of the leased asset, and if the asset has been stolen or destroyed, the concept of rental becomes void. As such, in the above-mentioned eventualities, Meezan bank does not charge the lease rental.

Islamic economy

13 Sep

Such a transaction is not straight forward as I don’t want to lease and they don’t want that either in reality! I want to buy and they want to sell! However, to guaranty their money, the camouflage it like this! How would you feel if you had an agreement of 5 years with them, which […]

Can we say HasbunAllahuWani’malWakeel while in sajdah?

Supplications

13 Sep

No problem.

Suppose a husband and wife both had the money to sacrifice their own animal slaughter, do they do so or would it be sufficient that the husband does one Qurban on behalf of himself and his wife while the wife uses this ‘extra money’ for other purposes.

Slaughtering

13 Sep

It is he husband’s duty to slaughter one sheep for his whole family,

wanted to know what was the direction of prayer of Prophets before Muhammad Sallalaho ALyhi Wasallam.. I mean Muhammad Sallalaho ALyhi Wasallam used to pray towards Masjid Aqsa but what about other prophets who came before him?

Prayer

13 Sep

I don’t know. Probably to Bait Almaqdis

Is it necessary to give zakah only in Ramadan or can it be given throughout the year.Im in possession of some gold but we are under debt what’s the ruling

Zakat

13 Sep

You have to pay zakat when a lunar year is completed over your savings that exceed the nisab amount (85 g of gold or 585 g silver or their respective value). If you have been in possession of the gold for a lunar year, you should give zakat for it.

One of my friend has three daughters with an age gap of about one to one and half years between each daughter. Now she is pregnant again. She wants to know if she can abort the pregnancy. The youngest daughter is 8 months now.

Q&A / Fatwas

12 Sep

If it is below 40 days, it is permissible to abort it.

if I am wearing a purse/abaya/khimar in a particular color or design that I don’t feel is odd or flashy, but another woman tells me she likes the color or she likes the design on me, does this mean that what I am wearing is too attractive and hence, not permissible?

Women clothing

12 Sep

You have to look into the norm of your county. What counts is the men way of looking at you!

If I have an exam during Maghrib time can I combine Isha with Maghrib after the time of Maghrib expires, or do I have to make an alternative arrangement for the exam?

Prayer

12 Sep

If you can reschedule the exam, this is a must. Otherwise, you can combine.

I am over 30 years.from Nigeria,i usually get sexual temptations to watch nude women or touch sensitive parts of women.abut though I have never commited zina,but am pressed to go ahead and start doing these things because I know d places that prostitutes stay.please how can i resist all these sexual temptations?am a graduate I don’t have a job doing…so please you people should make dua for me to quickly get a job that am well paid and get married to a well practising muslimah.

Etiquette, Morals and Heart-Softeners

12 Sep

You have a problem my friend. You have to stop watching these filthy things and protect your eyes from it. If you can not marry, try to fast and also be in the company of good muslims brothers who will remind you always to fear Allah.

If we have to lower our gaze, how do we speak to women if needed?

Etiquette, Morals and Heart-Softeners

12 Sep

You speak while lowering your gaze or looking at something else!

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