Answered by Shaykh Muhammad Carr Question I am a Muslim in Chennai. I need to move urgently due to my autistic son’s needs and severe housing discrimination (48 of 55 rentals rejected us for being Muslim). In Chennai, a “lease” model exists where the tenant pays a ₹10–15L deposit, the owner uses it, and the […]

Answered by Shaykh Irshaad Sedick Question A few years ago, I read a book called “100 Great People of Islam That Changed The Course of History” by Jihad al-Turbani. That was when I first learned about Arius and Arianism. Now, I find myself wondering if Arianism was a sound belief. Answer In the Name of […]

Answered by Shaykh Irshaad Sedick Question I work as an accounts representative for a workers’ compensation board, which provides insurance for workplace injuries. My role is mostly customer service: I assist employers with the status of their accounts, advise whether they are required to register by the government, and at times process premiums. When a […]

Answered by Shaykh Muhammad Carr Question I have been offered a position as Head of Data Analytics at a Buy Now, Pay Later (BNPL) company. The company provides financing for consumer electronics, including phones, televisions, and refrigerators. A customer may wish to purchase a phone from one of the company’s partner stores for $2,000, but […]

Answered by Shaykh Muhammad Carr Question Is hiring a freelance writer for one hour to write a product caption valid? Is the contract valid when the quality standard is unspecified and only an hourly rate (with a maximum number of hours) is agreed upon? Answer In the Name of Allah, the Most Merciful and Compassionate. […]

Answered by Shaykh Muhammad Carr Question On the 10th of Dhu al-Hijja, a pilgrim may have made the intention for his farewell tawaf when it should have been tawaf al-ziyara. Is his hajj valid, and is a penalty due? Answer In the Name of Allah, the Most Merciful and Compassionate. His hajj is valid. The […]

Answered by Shaykh Muhammad Carr Question  What is the ruling on buying stocks based on companies that produce net positive value creation but carry interest-based debt of more than 30%? The debt funds genuine productive investments, for example, an engineering firm that builds infrastructure.  Answer In the Name of Allah, the Most Merciful and Compassionate. […]

Answered by Shaykh Muhammad Carr Question  I am a senior undergraduate student pursuing my degree in Kansas. I am trying my best to avoid riba and student loans altogether. Based on current estimates, my educational expenses for the upcoming academic year (Fall and Spring semesters) will be approximately $6,500–$7,500, including anticipated tuition increases and university […]

Answered by Shaykh Muhammad Carr Question How can two sisters and their mother safely navigate an abusive situation with a male family member who has escalated from verbal attacks to threats of physical violence? They are unable to leave due to financial and social dependence. Answer In the Name of Allah, the Most Merciful and […]

Answered by Shaykh Muhammad Carr Question Is it permissible to sell a silver coin still valid for circulation for more than its face value due to its silver content? Answer  Selling a coin for more than its face value on account of its silver content is permissible when the transaction involves gold or any other […]

Answered by Shaykh Muhammad Carr Question  I entered into a verbal agreement with a company to develop a website for them. They provided me with a laptop, and I worked from home for most of the time. The payment was structured as follows: one third was paid in advance, with the remainder due upon completion. […]

Answered by Shaykh Muhammad Carr Question My employer’s retirement plan offers only Shari‘a non-compliant funds. Is it permissible to participate to receive the employer match while investing in the least non-compliant option available and purifying any dividends received? Answer In the Name of Allah, the Most Merciful and Compassionate. Thank you for your question. Viewed […]

Answered by Shaykh Muhammad Carr Question Is it permissible to purchase gold or silver from a physical shop using a credit card (such as Visa or Mastercard), considering that the actual transfer of payment is delayed due to the nature of credit card transactions? Answer In the Name of Allah, the Most Merciful and Compassionate. […]

Answered by Shaykh Muhammad Carr Question Is it permissible to have gold jewelry manufactured abroad, maintain a cash amana with the factory, and conduct spot transactions by phone in which the factory completes the items, calculates the gold price and associated charges, immediately deducts the amount from my amana, issues an invoice, and sets the […]

Answered by Shaykh Muhammad Carr Question I am considering a remote role selling life and supplemental insurance through virtual meetings, with income primarily from commissions and possible renewal payments. Answer In the Name of Allah, the Most Merciful and Compassionate. Thank you for reaching out and seeking clarification on this important matter. It’s commendable that […]

Answered by Shaykh Muhammad Carr Question Is it permissible to participate in a prop firm challenge that charges a fee, involves simulated trading, and pays profits from the firm’s funds based on performance? Answer May Allah reward you for ensuring that your income is permissible. Allah Most High says, “And aid one another in devotion […]

Answered by Shaykh Muhammad Carr Question Is participating in a funded trading program and earning profit by trading company stocks with a firm’s capital permissible in Islam if the trader only pays a subscription fee and shares profits with the firm? Answer In the Name of Allah, the Most Merciful and Compassionate. I pray you […]

Answered by Shaykh Muhammad Carr Question I seek clarification regarding proprietary trading models in which the trader operates only on a demo account. No real leveraged trades, interest-based transactions, or financial contracts are executed in the trader’s name. The trader effectively generates trading signals and receives compensation based on performance. In this case, is participating […]

Answered by Shaykh Muhammad Carr Question Must capital gains be purified? If so, can they be offset against capital losses before calculating the purification amount? If offsetting is permitted, may gains and losses be netted against different stocks? Answer In the Name of Allah, the Most Merciful and Compassionate. Thank you for your question. Capital […]

Answered by Shaykh Muhammad Carr Question Is it permissible to pre-book products online by paying a non-refundable booking fee when the seller only procures the item after the order is placed, and the product is commonly available and delivered through the seller’s own facility? Answer In the Name of Allah, the Most Merciful and Compassionate. […]

Answered by Shaykh Muhammad Carr Question If the bank agrees to reduce the amount and I pay the agreed-upon settlement, would I be sinful in the sight of Allah for paying less than the original debt? Would this be considered unjustly taking someone else’s money, even though the bank offered the reduction? Answer In the […]

Answered by Shaykh Muhammad Carr Question Is it permissible to keep savings in an XAU (gold-indexed) bank balance that is redeemable at any time only in local currency at the current gold rate, with no physical gold and no interest? Answer In the Name of Allah, the Most Merciful and Compassionate. Thank you for your […]

Answered by Shaykh Muhammad Carr Question Is it permissible to rent a product with an option to purchase it later, if late payments may result in additional charges through debt collection? Answer In the Name of Allah, the Most Merciful and Compassionate. I pray you are in good faith and health. Thank you for your […]

Answered by Shaykh Muhammad Carr Question Some investment platforms grant full legal ownership of whole shares, but treat fractional shares as Contracts for Difference (CFDs), meaning no actual ownership of the underlying asset exists for that portion. Since trades are executed by monetary value rather than share count, price fluctuations make it technically impossible to […]