Loans and Debt
959 questions
How is the value of stolen money or property that must be returned upon repentance calculated, in the event of a difference in market value between the time of the theft and the time of restitution?
Must all the money stolen from "spam" cards be returned after repentance, knowing that the amounts are large and the perpetrator does not possess the money, and is it permissible to donate some of what was purchased with it?
What is the ruling on a penalty clause that obliges the customer to pay compensation upon延迟in settling the price of the commodity, or to compensate for the expected profit? And is it permissible to apply this condition to the customer if it has been approved for the company?
Is the husband obligated to pay his deceased uncle's debt, knowing that his uncle told him: "Pay me back if you can or if you have enough, otherwise don't," and that the husband's work is intermittent; and to whom should the debt be paid: to each heir or to the deceased's wife to distribute among the heirs?
Is it permissible for the wife to save a portion of the household allowance to pay off her gambling husband's debt, and is it permissible for the husband to count the value of a gift he gave to his wife as part of the money he borrowed from her?
Is the financial penalty for late payment of rent considered usury (riba), and is paying the rent on time without incurring the penalty considered engaging in usury?
Is it permissible to take merchandise from the debtor equal to the value of the debt and then sell it back to him in installments for a higher price?
Is it permissible for the borrower to agree with the lender to repay the loan amount, in addition to a percentage of the profit from selling the land purchased with the borrowed money, or to set a price for it so that the borrower can repay the lender his share of the profit, in the event that selling is not possible?
Must the father pay a fine of one million Riyals on behalf of his eldest son who is in hardship, knowing that the father is well-off? And what is the right of the other sons and daughters to this money?
What is the ruling of Islamic law on rescheduling loans with banks, if the bank imposes a new loan, a new commission, and increases the loan term and the amount due, without the client receiving any new money?
What is the ruling on stipulating financial penalties for members in the event of delay in paying monthly subscriptions, or withdrawal from the group, or upon joining it, within an agreement for collecting and investing funds?
Is there anything that devolves upon the claimant in detail for the procedures he took in collecting his debt and donating it, and is he mistaken?
What is the ruling on purchasing in installments from a store that the bank pays the price to immediately, and then the bank collects the installments from the buyer? Is this considered usury (riba), especially if the bank does not own the goods? What is the ruling if the contract includes a late payment penalty?
Is it permissible to pay off my debt to my grandmother (the lender) by undertaking her medical and personal expenses instead of returning the money in cash, and is it permissible to give my mother (who manages my grandmother's affairs) a sum from this debt in exchange for her management?
Is it permissible to take a portion of the building materials belonging to my indebted brother, which he stored in my warehouse, and count their value towards the debt he has not repaid since 2005, even though he is demanding their return?
Is it permissible for a single mother who loaned money to someone, and he has not repaid it for three years, to recover her money from him if he offers to repay it from ill-gotten gains, provided that he bears responsibility for this money before Allah, and she is absolved of its sin?
Which has priority in repayment when repenting: usurious debt or stolen money? And does the ruling differ if the owner of the stolen money is on their deathbed or their heirs cannot be reached?
Am I obligated to repay part of a debt to my mother to her heir brother, knowing that my mother forgave me the debt before her death, and is it better for me to repay the amount to the heirs or to give it as charity on her behalf?
What is the ruling on a financial transaction in which a buyer purchases a service at a cash price using a credit card from the bank, and pays the bank in installments, while the bank deducts a commission from the company providing the service for paying it the full amount, and the bank pays a percentage to a brokerage company?
Is the aforementioned contract formula correct, and is the second party obligated to return the capital to the first party after two years without achieving profits? Does Islamic law guarantee the capital in such circumstances? And is this contract considered a partnership or a Mudarabah?
Must I compensate the heirs for the lost amount that was a debt owed to my father and which I received from them, knowing that it was lost under circumstances where its theft is probable?
Does the vow to donate money remain obligatory for someone who vowed to donate money but was unable to secure the full amount before traveling, and how can this vow be fulfilled?
Is it permissible for the borrower to offer the lender participation in the profits from selling land bought with the borrowed money, or to set a mutually agreeable price for settling the debt and the share of profit if selling is not possible?
What should a merchant do who has lost his trade, money, debts, and partnerships due to the events in Syria, and now owns nothing, in order to be absolved of responsibility, especially since the creditors refuse to speak with him?