Consultant for Mutual Investment Fund

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Q: Is working in a firm which works as consultant or liaison between investors and mutual fund investment companies right according to Islam?

A:
A consultant in modern day companies will be called upon to advise investors on interest schemes and riba relater matters. This is not permissible. One should not choose to work there. However, if one is already working there, then continue working, but in the meantime try to get another job. However, the income will not be haraam, even though the act of advising people on interest and riba is sinful. One who continues working there should make a lot of istighfaar until he gets a different type of job.

Allah knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Female Circumcision

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Q: Is female genital mutilation allowed in Islam considering the fact that women face various complications such as infections, bleeding and even death?

A:
I gather your question pertains to female circumcision. This is not genital mutilation. Mutilation of any organ of the body is haraam in Shariah. That is why male circumcision is not called ‘mutilation’.  Female circumcision is permissible in Shariah. However, if it leads to infection, disease, and death, then it will not be allowed.

The reason why females suffer in this regard is that people are not conducting this type of circumcision in the correct manner. In certain cultures, males who have been circumcised also developed complications. In a few cases this has led to death. This is because the procedure was not carried out correctly.

Where cases like this have developed with females, it is necessary for the Ulema in those areas to speak out against this practice and to stop people from continuing. Female circumcision is not compulsory as is male circumcision. Those Ulema and Scholars who allow it, only do so because they believe it enhances pleasure at the time of sexual intercourse. But I have not come across any hadith to support this.

Allah knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Writing on the Body

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Q: Is writing on the hand/body sinful?

A:
If writing or making marks on the hand or body resembles tattoos, then that is not permissible, although it won’t be as haraam and severe as actual tattoos. But it is still sinful because it resembles a haraam act and there is no valid reason for doing so. If one writes on the hand to make a note of something when no paper is available, then that is totally permissible. But this will apply to the hand, like writing down someone’s phone number. It won’t apply to other parts of the body for obvious reasons.

Using stick on tattoos is also not permissible for the above reason, and also that Shariah prohibits disfiguring of the body parts in any way.

Allah Ta’ala knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Domestic Repair Schemes

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Q: Are domestic repair schemes permissible? For example, where one pays £10 a month and when the machine breaks down all costs are covered. Similarly, paying monthly installments for healthcare when the government health systems are failing.

A
: A domestic repair scheme is a form of insurance, and generally Islam does not permit insurance on account of the riba factor. However, if a service agreement is entered into in terms of which the company will service the machine and also do repairs over a fixed period of time, then this is permissible. But just to have a vague agreement that only covers incidental damage indefinitely, this is not permissible.

As regards healthcare, some Ulema have give permission for people who have chronic illnesses or mother who will need maternity care to take out health insurance schemes. One may act on this

Allah Ta’ala knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Abjad Letters

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Q: I just want to know about the Abjad letters where it came from. Is there a hadith in which Nabi sallallahu alaihi wa sallam has mentioned that alif = 1 and baa = 2 and so on?

A:
Abjad means the numerical value of letters in the Arabic alphabet. This has got nothing to with astrology. Instead, long before Jahiliyya, the Arabs had a value for each letter. Ulema use this when writing Arabic words for ta’weez; instead of writing the Arabic, they write the total value of all the letters in that word. In that way there won’t be any be adabi or disrespect to the Arabic writing especially if one is writing a dua or a word from the Holy Quran.

You must bear in mind that if Ulema do something, it won’t be against Quran and Sunnah, insha Allah. The Ulema are the guardians of Shariah. We who are ignorant must have confidence in the Ulema and not just object through our jihaalat or ignorance. We can’t just assume something is wrong and then start objecting against the Ulema. They have knowledge which we don’t have.

Allah knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Eating without Permission

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Q: If someone ate something for which they never asked permission is their salaah and fast etc. accepted?

A:
If something was eaten without the owner’s permission then until permission is not taken or until the owner is compensated for the item, the acceptance of one’s duas and acts of worship is suspended. Once the owner makes one maaf or is paid for his item then the acceptance of past acts of worship goes through. If the owner is not available then by giving the value of that item in sadaqa, the acceptance of worship will once again apply.

Allah Ta’ala knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

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