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

ATM at a Mall

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Q: I own a small mall. Tenants have requested me to facilitate for a ATM machine. The bank is ready to provide it. I will not charge any rentals. All costs will be born by the bank. Is this permissible?

A:
If all the costs of operating the ATM will be born by the bank and you are not charging a rental, then that is permissible. You may go ahead and have the ATM installed.

Allah knows best

Mufti Siraj Desai

Darul-Uloom Abubakr

Playing Marbles

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Q: Is it permissible for young boys to play marbles the way they do, and take ownership of the others' they strike, or is this gambling?

A:
Playing marbles the way children do is a form of gambling and is not permissible. Furthermore, playing marbles is a futile game that has no benefit at all. It is also risky because the marbles can cause damage to the eyes. Our boys should be stopped from playing games like this.

In the time of Rasoolullah (sallallahu alayhi wasallam) a similar game was played by children with pebbles. He prohibited this game

Allah Ta’ala knows best

Mufti Siraj Desai
Darul-Uloom Abubakr

Child Performing Qurbani

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Q: If an eight year old child insists on paying for his own Qurbani can you eat from it?

A:
If the parents pay for the Qurbani then anyone can eat from it.

If it is paid from the wealth of the child then the child can eat from it, the person who takes care of the child (Nanny, caregiver) and the parents.

No one else will be allowed to eat from it. (Jaami'u Ahkaamis Sighaar P186 V2).

Moulana Yusuf Laher

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