QURAN-O-ITRAT ACADEMY

Question: UDHAR PAR ZIYADA PAISA LENA JAIZ HAI KYA

Answer: Udhar is shart per dayina keh ziayada raqam wapas ki jaey gi tu ye sood hoga jo keh jaiz nhay hay.(Ref: Tauzihul masael, maslah#2, pg#435). [Updated on 19-Feb-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: جیسے جاز کیش بینک میں پیسے ڈلواتے ہیں تو پیسے ڈلوانے پر فری منٹس ملتے ہیں استعمال کرنا درست ہےیا نہیں

Answer: Agar aap ki janib se on per shart nahi hay tu phir jaiz hay.(Ref: maslah#3, pg#436). [Updated on 21-Jan-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Islamic bank sy home finance, car finance ya business finance jaiz hai ya nhe?

Answer: Islamic bank se islamic rool k mutabiq loan laina jaiz hay. (Ref: tauzihul masael, maslah#1, pg#434) [Updated on 18-Dec-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Interests khana

Answer: Sood(Interest) khana haram aur gunah e kabira hai. (Ref: Ayatullah Sistani(d.b), Minhajus Saliheen, Part #1, Edition 2009, Maslah #30). [Updated on 22-Nov-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Assalamu alaikum. Sir bank se qarza le ke karobaar karne ki ijazat hai?? bank interest pe loan de ra. Apna karobaar bnane ke liye chahie. Student hun parh ra hun par sath kuch kamana chahta. islam is men kia ijazat deta.

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart per qarza laina keh qarz li gae raqam say ziyada ada kia jaey ga, tu ye sood or haram hay. Laikin agar koe shaks private bank se sood ada kerne ki shart k sath qarz le le tu qarza sahi hoga or is raqam ko istemaal kerna halal hoga or shart batil hogi or shart pora kerne k liay sood daina or laina haram hoga. or agar government ya sami-government bank say koe qarza le tu sood se bachne k liay os shaks k liay yehi kaafi hay keh bank se raqam lain. raqam laite waqt khud se kahain keh main khud hakim e shara ki janib se khud ko qarz daita hoon or os sorat main kaafi hay keh asal raqam bank ko wapas kare chahay jaanta ho keh qanoonan asal raqam or sood bank ko daine ka paband hay. kafi banko se sood ada karne ki sharat per qarz laina haram hay. or haram kaam se bachne k liay ye kar sakta hay keh maal ko bank se qarz ki niyat hasil kare or is main tasarruf k liay hakim shara se ijazat laine ki zarorat nahi agarcheh wo jaanta ho keh bank asal or sood dono is se lay lain gay. (Ref: Ayat Ullah Seestani(d.b), Tauzee hul masael,Edition# 2019,Mafhoom e Maslah Jadeed masil #1,2,7,8). [Updated on 09-Sep-2021:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Aslamoaliekum. Kya ham national Saving bank ki Head office mai Job kr skty hen. Jhn per public dealing nhi hoti. Plz rahnmai frmae

Answer: Bank ke kaam 2 tarah ke hote hain: 1. Bank ke haram kaam, maslan jo sodi muaamlaat se talluq rakhte hain un ke shuru karne me kisi ki numaaindgi karna, un ki registeri karna, un ka ghawa banna aur soodi qarz lene wale se sood wusool karna. aise hi wo kaam jo digar soodi muaamlaat me sharakat ki bina par is se munsalik hain ya sharaab ka karobaar kar rahe hain maslan un ke shares baichna ya un ko wusat dene ke liye taawun karna haram kaamon me shumaar hote hain. ye tamaam kaam haram hain aur is shuabe (department) me job karna jaiz nahin hai aur is shuabe (department) me job karne wala ujrat (salary) lene ka mustahiq nahin hai. 2. Bank ke jaiz kaam ye upper bayaan kiye gaye kaamom ke alawa hain, in ko anjaam dena aur in per ujrat (salary) lena jaiz hai. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, pg #453). [Updated on 10-Sep-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Assalam o alaikum Easypaisa is wallet of Telenor Microfinance Bank. Telenor Microfinance Bank is owned by TELENOR. TELENOR company is run by NORWAY (non muslim ) government. So is it halal to open saving account ( taking interest) in easypaisa.

Answer: Non-Muslim bank ke Jin me kaferoo ( non Muslims ) ka sarmaaya Laga hoa hay kyu ke in ka sarmaaya muhtaram nahe hay ( or agar Easypaisa bank bhe ise trah ka bank hay) tu is se profit lena jaiz hay ,albatta in banks se Sood ada karne shart per qarz lena haraam hay. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), Edition #42, jadeed masail wala hissa , pg #437,masla no#8). [Updated on 11-Nov-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Maine easypaisa mein paise rakhey hoye hai save wahan maine ek plane ko subscribe kia hua hai us plan se mujye profit daily milta hai depend ap k easypaisa me jitani amount hai us esab se miltey hai kia wo haram hai ya hilal ?

Answer: Easypaisa kafir bank hay is se profit lene main koe haraj nahin, yani jaiz hai. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, Maslah #3, pg 436). [Updated on 24-Dec-2022:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Salamun aleykum Mai Dubai me rehta hun mujhe Bank se loan lena h kuch jaise 300 to usme 31 extra dena hota h yani next selery se kat jaynge paise to wo jaiz h ya nahi

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart par qarza laina keh qarz li gayie raqam se ziyada ada kiya jaye ga, to ye sood or haram hai. Lekin agar koi shaks private bank se sood ada karne ki shart ke sath qarz lay lay to qarza sahi hoga or is raqam ko istemaal karna halal hoga or shart batil hogi or shart poori karne ke liye sood daina or laina haram hoga. or agar government bank ya sami-government bank se koi qarza lay to sood se bachne ke liye wo shaks ye kare ke dil main mujtahid se qarz lene ki niyat kare or is qarze par sood ada karne ki niyat nah kare agarcha us ko maloom ho ke government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is tarah qarza lena jaiz hay. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, mafhoom e maslah #1,2,7). [Updated on 03-Apr-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]

Question: Salamun aleykum Mai Dubai me rehta hun mujhe Bank se loan lena h kuch jaise 300 to usme 31 extra dena hota h yani next selery se kat jaynge paise to wo jaiz h ya nahi

Answer: Kisi shaks se ya private ya government ya sami- government bank say is shart par qarza laina keh qarz li gayie raqam se ziyada ada kiya jaye ga, to ye sood or haram hai. Lekin agar koi shaks private bank se sood ada karne ki shart ke sath qarz lay lay to qarza sahi hoga or is raqam ko istemaal karna halal hoga or shart batil hogi or shart poori karne ke liye sood daina or laina haram hoga. or agar government bank ya sami-government bank se koi qarza lay to sood se bachne ke liye wo shaks ye kare ke dil main mujtahid se qarz lene ki niyat kare or is qarze par sood ada karne ki niyat nah kare agarcha us ko maloom ho ke government ya sami-government bank baad is se apni asal raqam or sood wusool kare gi, tab bhi is tarah qarza lena jaiz hay. (Ref: Tauzeeh ul masail, Ayatullah Sistani(d.b), edition #42, mafhoom e maslah #1,2,7). [Updated on 03-Apr-2023:: Khuda aap ko Uloom e Aal e Muhammad(s.a.w.w) sekhne ka ajar ata farmaey]