Ref. No. 3144/46-6089

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

Your explanation effectively captures the essence of consulting services. The primary goal of your firm is to equip clients with the insights they need to better understand their financial landscape and make informed investment decisions.

By evaluating financial metrics like EBITDA, you can gauge a company's performance and its ability to manage interest, taxes, and other financial responsibilities. Your role in verifying the accuracy of the data provided is crucial, as it enables clients to make decisions based on reliable information.

The importance of your position cannot be overstated; accurate information is the foundation upon which any company can build its financial future. However, your work is allowed as per the ruling of Islamic Shariah.

If you would like to explore any specific aspects of this field further or need additional clarification, please don’t hesitate to reach out!

And Allah knows best

Darul Ifta

Darul Uloom Waqf Deoband

Ref. No. 3153/46-6030

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

The prohibition of gambling and interest (usury) is clearly established in the Quran and Hadith, and all the dealings based on gambling and interest are haram and unlawful. Medical health insurance often contains elements of gambling or interest, which is why it is generally considered impermissible under Sharia. If a medical issue arises within a specified period, the insured receives money with interest; conversely, if no disease develops, the deposited amount is not refunded, thus it also falls under the definition of gambling.

However, if a company deems health insurance compulsory, employees may only utilize medical benefits to the extent of the amount collected through the insurance. Getting more than this amount would not be permissible. In cases of financial hardship or lack of resources for treatment, there is some allowance based on necessity.

This raises the question of what Muslims should do in such situations. The answer is that the community organizations should establish a structured plan for medical assistance and raise a fund to support vulnerable Muslims facing serious health issues. In India, for example, numerous schools, spiritual centers, and charitable organizations operate on public donations, contributing significantly to community welfare. A similar fund can be raised specifically for medical assistance to benefit the poor.

Additionally, the aid of the government should be sought. For programs or medical cards through which the government allocates funds for treatment, it is advisable to consult with experts to get maximum benefit.

And Allah knows best

Darul Uloom Waqf Deoband

Ref. No. 3136/46-6042

In the name of Allah the most Gracious the most Merciful

The answer to your question is as follows:

 (In Islam, Nikah (marriage) is considered a sacred bond, and Islam emphasizes its stability by encouraging mutual love, affection, and fulfillment of each other's rights. However, if for some reasons, there is discord between the husband and wife, the elders of both families should first attempt to reconcile, as divorce is regarded as a disliked act in Islam, and its unnecessary use is not appropriate.

If there is no way for reconciliation and there is a fear of discord and conflict, then Islam permits separating with one explicit divorce (Talaq). After one divorce, if they wish to reunite, they can do so during the Iddah (waiting period) through reconciliation or after the Iddah by remarrying.

Issuing three divorces at once is considered a sin in Islamic law and is also a punishable offense under the country's legal system.)

In our common usage, the word "Azad" (free) is clearly used to mean divorce. Therefore, even without the intention, one revocable divorce (Talaq-e-Raj'i) has taken place. The husband then gave a second divorce and reconciled, and later gave a third conditional divorce which was fulfilled. As a result, all three irrevocable divorces (Talaq-e-Mughallazah) have occurred, making it forbidden and sinful for both of you to continue living together, and the Nikah (marriage) is also prohibited.

Now, the woman is all the way free, and after completing her Iddah (waiting period), she may marry another man if she wishes to do so.

And Allah knows best

Darul Ifta

darul Uloom Waqf Deoband

Ref. No. 3135/46-6032

الجواب

بسم اللہ الرحمن الرحیم:۔  شریعت مطہرہ نے زکوٰۃ کے مصارف متعین کردیئے ہیں، ان مصارف کے علاوہ کسی دوسری جگہ زکوٰۃ کی رقم خرچ نہیں کی جاسکتی۔ زکوۃ میں تملیک ضروری ہے یعنی زکوۃ دینے والوں پر لازم ہے کہ زکوۃ کسی مستحق شخص کی ملکیت میں دیں،  بلا تملیک مال کو کسی غریب پر خرچ کردینے سے بھی زکوۃ ادا نہیں ہوتی ہے، نیز  زکوۃ کی رقم براہ راست  رفاہی کاموں میں بھی  استعمال نہیں کی جاسکتی ہے۔  لہذا سیاسی پارٹی کے عام چندہ میں  زکوۃ کی رقم دینے  سے زکوۃ ادا نہیں ہوگی۔ہاں اگرکوئی سیاسی آدمی  زکوۃ کی رقم جمع کرکے فقراء  و مساکین اورمستحق  بیواؤں میں تملیک کے طور پر تقسیم کرے تو اس کی گنجائش ہے۔ اس سلسلہ میں لوگوں میں بیداری لائی جائے کہ سیاسی جماعت کے عام چندہ میں زکوۃ کی رقم نہ دیں، ورنہ  زکوۃ ادانہیں ہوگی۔ 

"أما تفسيرها فهي تمليك المال من فقير مسلم غير هاشمي، ولا مولاه بشرط قطع المنفعة عن المملك من كل وجه لله  تعالى ." (الفتاوي الهندية، ص: 170، ج:1،کتاب الزکاۃ،ألباب الأول،ط:دار الفكر،بيروت)

"وَ لَايَجُوزُ أَنْ يَبْنِيَ بِالزَّكَاةِ الْمَسْجِدَ، وَكَذَا الْقَنَاطِرُ وَالسِّقَايَاتُ، وَإِصْلَاحُ الطَّرَقَاتِ، وَكَرْيُ الْأَنْهَارِ وَالْحَجُّ وَالْجِهَادُ وَكُلُّ مَا لَا تَمْلِيكَ فِيهِ، وَلَا يَجُوزُ أَنْ يُكَفَّنَ بِهَا مَيِّتٌ، وَلَا يُقْضَى بِهَا دَيْنُ الْمَيِّتِ كَذَا فِي التَّبْيِينِ، وَلَا يُشْتَرَى بِهَا عَبْدٌ يُعْتَقُ، وَلَا يَدْفَعُ إلَى أَصْلِهِ، وَإِنْ عَلَا، وَفَرْعِهِ، وَإِنْ سَفَلَ كَذَا فِي الْكَافِي." (الھندیۃ، كتاب الزكوة، الْبَابُ السَّابِعُ فِي الْمَصَارِفِ، ١ / ١٨٨، ط: ظار الفكر)

"وَ لَا يَخْرُجُ عَنْ الْعُهْدَةِ بِالْعَزْلِ بَلْ بِالْأَدَاءِ لِلْفُقَرَاءِ." (شامي، كتاب الزكوة، ٢ / ٢٧٠، ط: دار الفكر)

"وَ يُشْتَرَطُ أَنْ يَكُونَ الصَّرْفُ (تَمْلِيكًا) لَا إبَاحَةً كَمَا مَرَّ." (شامي، كتاب الزكوة، باب مصرف الزكوة و العشر، ٢ / ٣٤٤، ط: دار الفكر)

واللہ اعلم بالصواب

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