{"id":36941,"date":"2025-05-11T12:20:01","date_gmt":"2025-05-11T12:20:01","guid":{"rendered":"https:\/\/daruliftabirmingham.co.uk\/home\/?p=36941"},"modified":"2025-07-15T10:18:07","modified_gmt":"2025-07-15T10:18:07","slug":"islamic-rulings-on-business-agency-video-identification-and-letters-of-credit","status":"publish","type":"post","link":"https:\/\/daruliftabirmingham.co.uk\/home\/islamic-rulings-on-business-agency-video-identification-and-letters-of-credit\/","title":{"rendered":"Islamic Rulings on Business Agency, Video Identification, and Letters of Credit"},"content":{"rendered":"<p style=\"text-align: right;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Fatwa ID: 08186<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Answered by: Maulana Abdurrahman Mohammad<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Question:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">1.) If I\u2019m an agent for a business and they require me to be on video calls and sometimes, the buyer and seller don\u2019t put their faces on video but sometimes they do and most of the time I won\u2019t need to but maybe I will have to do it sometimes for identification purposes and I won\u2019t know which call I have to show my face or not. Is my income halal?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">2.) If you&#8217;re working with a supplier and they require a standby Letter of Credit or Letter of Credit from the buyer (you&#8217;re an agent for the supplier) but you know that the buyer will definitely pay for this letter and many scholars say paying for this letter is Riba. Is the income permissible for me? As I have to tell the buyer to acquire an SBLC or LC and they will have to pay for it. Everyone globally uses standby letters of credit for business and without it, many businesses don\u2019t deal with buyers. Is the income permissible for me?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.a) If you make an agreement with a buyer to supply the buyer every month for a year and the buyer pays before shipment for the whole thing. Is the income permissible?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.b) If the previous answer is that it\u2019s not halal, what if the buyer makes upfront payment after the product is delivered?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.c) What if the buyer makes payment at the delivery port before\/after the product is sent or after it\u2019s sent? Is the income halal?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.d) What if the buyer makes payment after the first product shipment in the first month has arrived?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.e) What if the buyer makes payment before or after every shipment has arrived monthly for the 12 months?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">3.f) Or can the seller choose whatever option he wants from above as he possesses the product?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"text-align: center;\"><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>In the name of Allah, the Most Gracious, the Most Merciful<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\"><strong>Answer:<\/strong><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Showing Face on Video<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Unless it is specifically mentioned in the terms and conditions that you have to show your face on video, it is up to you if you want to show your face on camera. Income is based on the agreed-upon work and responsibilities, so as long as you fulfil your end of the deal and the nature of the work is permissible, your income should be permissible.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Letter of Credit<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">It is difficult to pass a verdict on these letters without knowing the exact terms, but here are some guidelines. According to investopedia.com:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">A letter of credit, or a credit letter, is a letter from a bank guaranteeing that a buyer\u2019s payment to a seller will be received on time and for the correct amount. If the buyer is unable to make a payment on the purchase, the bank will be required to cover the full or remaining amount of the purchase. It may be offered as a facility (financial assistance that is essentially a loan). [1]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">This appears to be a Kaf\u0101lah setup with the possibility of leading to an interest-based loan. Any fees involved in this setup should not be charged for the guarantee itself or involve interest. There are many types of Letter of Credit, but generally:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Banks usually charge a fee for a letter of credit, which can be a percentage of the total credit they are backing. The cost of a letter of credit will vary by bank and the size of the letter of credit. For example, the bank may charge 0.75% of the amount that it&#8217;s guaranteeing. [2]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Such a setup would not be permissible as the bank is charging for the act of Kaf\u0101lah (guarantee). The price of the letter is based on the amount of the backed-up credit and the banks are charging for the credit, not for the costs involved in the process of acting as a guarantor (which would be an administrative or processing fee). Also, if the buyer defaults on payment, a loan would be taken out in his name which usually involves interest. As the person involved in requesting this letter and performing tasks to facilitate this invalid transaction, this would be impermissible. If the buyer and seller take care of this themselves and you are not involved in processing these letters, then that is permitted.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Buyer Paying Before Shipment<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">This setup corresponds most to Bay\u2019 As-Salam (sale in advance). For this to be correct, the following conditions should be met.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Bay\u2019 As-Salam<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">According to Fatwa Hindiyyah:<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">As for its interpretation, Salam is a contract by which ownership is established in the price immediately and in the priced item in the future. [3]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">There are a total of 16 conditions: 6 for the capital or payment, and 10 for the product or shipment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Conditions for the Capital or Payment [4]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(One of them) is a statement of the genus, that it is dirhams or dinars or from the measure of wheat or barley or the like.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The second) is a statement of the type [currency], that it is Ghatrifiyyah or Adaliyah dirhams or Mahmudiyyah or Harawiyyah dinars. This is if it is in a country that has different currencies. However, if there is only one currency in the country, mentioning the type is sufficient.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The third) is stating the description, whether it is high grade, low grade, or average. This is in Al-Nihaya. [This is when the capital\/payment is not in cash]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The fourth) is stating the amount of the capital, even if it is indicated in what is related to the contract according to its amount, such as the measured, weighed, and counted.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Conditions for the Shipment [5]<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(First of them) is a statement of the genus of the Musallam Fih (item\/shipment), whether it is wheat or barley [etc.].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The second) is a statement of its type, whether it is irrigated wheat, or cheap wheat, or mountainous wheat, or plain wheat.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The third) is a statement of the description\/quality [grade of the product], whether it is good wheat [high-quality], bad wheat [low-quality], or average [medium-quality].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The fourth) is that the quantity is known by measure or weight or number of cubits [length].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The fifth) is that the thing that is being delivered should be deferred for a known period, so that if it is delivered immediately, it is not permissible.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(Sixth): That Musallam Fih (item) exists [in the market] from the time of the contract until the time of the place [of delivery].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(Seventh): The item being sold must be something that is specifically identified, so that Salam is not permissible in dirhams and dinars [currency].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(Eighth): That the subject\/item of the Salam be from the four types: measures, weights, similar items that are sold in number, and cubits [in length].<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(Ninth): Clarification of the place of fulfillment in what has burden [transportation] and hardship, such as wheat and the like.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(The tenth): Is that the two exchanges do not include one of the two qualities of the cause of Rib\u0101 Al-Fadl (interest by excess), and it is quantity and type.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Buyer Makes Upfront Payment After the Product is Delivered<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">This is what normally happens in financial transactions. It is permissible to give the payment after the product is delivered. The amount, currency, method, date or timeframe of payment, and other details should be clarified at the time of the contract.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Buyer Makes Payment at the Delivery Port Before\/After the Product is Sent<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">If payment is given before the product is delivered, there may be a chance it may get damaged or lost in delivery. That is why it is necessary to follow the conditions for Bay\u2019 As-Salam (sale in advance) for this transaction to be correct.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Buyer Makes Payment After the First Product Shipment in the First Month Has Arrived<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">If the buyer pays for a shipment after it arrives following the terms of the contract, there is no issue. When paying for future shipments, the conditions of Bay\u2019 As-Salam should be followed. The buyer can pay after the first shipment like normal and then make a Bay\u2019 As-Salam agreement for future shipments.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Buyer Makes Payment Before or After Every Shipment Has Arrived Monthly for the 12 Months<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Payment before shipment should follow the Bay\u2019 As-Salam condition. Payment after shipment should follow the terms of the contract.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Can the Seller Choose Whatever Option He Wants from Above as He Possesses the Product?<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">The seller cannot break the contract and change the agreed-upon method of payment without the buyer\u2019s permission as doing so could lead to Niz\u0101\u2019 (dispute). When making the contract, both parties must clarify the nature and method of payment. They should follow the conditions of Bay\u2019 As-Salam if the product will be delivered later. If the product is already present, payment can be taken at the time of the contract or even after at a specified date or timeframe.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Only Allah knows best.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Written by Maulana Abdurrahman Mohammad<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Checked and approved by: Mufti Mohammed Tosir Miah<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">Darul Ifta Birmingham<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">[1] <a href=\"https:\/\/www.investopedia.com\/terms\/l\/letterofcredit.asp\">https:\/\/www.investopedia.com\/terms\/l\/letterofcredit.asp<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">[2] <a href=\"https:\/\/www.investopedia.com\/terms\/l\/letterofcredit.asp\">https:\/\/www.investopedia.com\/terms\/l\/letterofcredit.asp<\/a><\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">[3] \u0623\u064e\u0645\u064e\u0651\u0627 \u062a\u064e\u0641\u0652\u0633\u0650\u064a\u0631\u064f\u0647\u064f \u0641\u064e\u0627\u0644\u0633\u064e\u0651\u0644\u064e\u0645\u064f \u0639\u064e\u0642\u0652\u062f\u064c \u064a\u064e\u062b\u0652\u0628\u064f\u062a\u064f \u0628\u0650\u0647\u0650 \u0627\u0644\u0652\u0645\u0650\u0644\u0652\u0643\u064f \u0641\u0650\u064a \u0627\u0644\u062b\u064e\u0651\u0645\u064e\u0646\u0650 \u0639\u064e\u0627\u062c\u0650\u0644\u064b\u0627 \u0648\u064e\u0641\u0650\u064a \u0627\u0644\u0652\u0645\u064f\u062b\u064e\u0645\u064e\u0651\u0646\u0650 \u0622\u062c\u0650\u0644\u064b\u0627.<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(<a href=\"https:\/\/shamela.ws\/book\/21640\/1240\">Al-Fat\u0101w\u0101 Al-Hindiyyah<\/a>, vol. 3, pg. 178, Al-Ma\u1e6dba\u2019ah Al-Kubr\u0101 Al-Am\u012briyyah)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">[4]<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0641\u064e\u0623\u064e\u062d\u0652\u062f\u064f\u0647\u064e\u0627) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0627\u0644\u0652\u062c\u0650\u0646\u0652\u0633\u0650 \u0623\u064e\u0646\u064e\u0651\u0647\u064f \u062f\u064e\u0631\u064e\u0627\u0647\u0650\u0645\u064f \u0623\u064e\u0648\u0652 \u062f\u064e\u0646\u064e\u0627\u0646\u0650\u064a\u0631\u064f \u0623\u064e\u0648\u0652 \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u0645\u064e\u0643\u0650\u064a\u0644\u0650 \u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064d \u0623\u064e\u0648\u0652 \u0634\u064e\u0639\u0650\u064a\u0631\u064d \u0623\u064e\u0648\u0652 \u0646\u064e\u062d\u0652\u0648\u0650 \u0630\u064e\u0644\u0650\u0643\u064e<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0646\u0650\u064a) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0627\u0644\u0646\u064e\u0651\u0648\u0652\u0639\u0650 \u0623\u064e\u0646\u064e\u0651\u0647\u064f \u062f\u064e\u0631\u064e\u0627\u0647\u0650\u0645\u064f \u063a\u0650\u0637\u0652\u0631\u0650\u064a\u0641\u0650\u064a\u0650\u0651\u0629\u064c \u0623\u064e\u0648\u0652 \u0639\u064e\u062f\u064e\u0627\u0644\u0650\u064a\u064e\u0651\u0629\u064c \u0623\u064e\u0648\u0652 \u062f\u064e\u0646\u064e\u0627\u0646\u0650\u064a\u0631\u064f \u0645\u064e\u062d\u0652\u0645\u064f\u0648\u062f\u0650\u064a\u064e\u0651\u0629\u064c \u0623\u064e\u0648\u0652 \u0647\u064e\u0631\u064e\u0648\u0650\u064a\u0650\u0651\u0629\u064c \u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0644\u0650\u062b\u064f) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0627\u0644\u0635\u0650\u0651\u0641\u064e\u0629\u0650 \u0623\u064e\u0646\u064e\u0651\u0647\u064f \u062c\u064e\u064a\u0650\u0651\u062f\u064c \u0623\u064e\u0648\u0652 \u0631\u064e\u062f\u0650\u064a\u0621\u064c \u0623\u064e\u0648\u0652 \u0648\u064e\u0633\u064e\u0637\u064c \u0643\u064e\u0630\u064e\u0627 \u0641\u0650\u064a \u0627\u0644\u0646\u0650\u0651\u0647\u064e\u0627\u064a\u064e\u0629\u0650<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u0631\u064e\u0651\u0627\u0628\u0650\u0639\u064f) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0642\u064e\u062f\u0652\u0631\u0650 \u0631\u064e\u0623\u0652\u0633\u0650 \u0627\u0644\u0652\u0645\u064e\u0627\u0644\u0650 \u0648\u064e\u0625\u0650\u0646\u0652 \u0643\u064e\u0627\u0646\u064e \u0645\u064f\u0634\u064e\u0627\u0631\u064b\u0627 \u0625\u0644\u064e\u064a\u0652\u0647\u0650 \u0641\u0650\u064a\u0645\u064e\u0627 \u064a\u064e\u062a\u064e\u0639\u064e\u0644\u064e\u0651\u0642\u064f \u0627\u0644\u0652\u0639\u064e\u0642\u0652\u062f\u064f \u0639\u064e\u0644\u064e\u0649 \u0645\u0650\u0642\u0652\u062f\u064e\u0627\u0631\u0650\u0647\u0650 \u0643\u064e\u0627\u0644\u0652\u0645\u064e\u0643\u0650\u064a\u0644\u0650 \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u0648\u0652\u0632\u064f\u0648\u0646\u0650 \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u0639\u0652\u062f\u064f\u0648\u062f\u0650 \u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u0652\u062e\u064e\u0627\u0645\u0650\u0633\u064f) \u0643\u064e\u0648\u0652\u0646\u064f \u0627\u0644\u062f\u064e\u0651\u0631\u064e\u0627\u0647\u0650\u0645\u0650 \u0648\u064e\u0627\u0644\u062f\u064e\u0651\u0646\u064e\u0627\u0646\u0650\u064a\u0631\u0650 \u0645\u064f\u0646\u0652\u062a\u064e\u0642\u064e\u062f\u064e\u0629\u064b \u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u0633\u064e\u0651\u0627\u062f\u0650\u0633\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0645\u064e\u0642\u0652\u0628\u064f\u0648\u0636\u064b\u0627 \u0641\u0650\u064a \u0645\u064e\u062c\u0652\u0644\u0650\u0633\u0650 \u0627\u0644\u0633\u064e\u0651\u0644\u064e\u0645\u0650 \u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(<a href=\"https:\/\/shamela.ws\/book\/21640\/1240\">Al-Fat\u0101w\u0101 Al-Hindiyyah<\/a>, vol. 3, pg. 178-179, Al-Ma\u1e6dba\u2019ah Al-Kubr\u0101 Al-Am\u012briyyah)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">[5]<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0623\u064e\u0645\u064e\u0651\u0627 \u0627\u0644\u0634\u064f\u0651\u0631\u064f\u0648\u0637\u064f \u0627\u0644\u064e\u0651\u062a\u0650\u064a \u0641\u0650\u064a \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u0650 \u0641\u0650\u064a\u0647\u0650) (\u0641\u064e\u0623\u064e\u062d\u064e\u062f\u064f\u0647\u064e\u0627) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u062c\u0650\u0646\u0652\u0633\u0650 \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u0650 \u0641\u0650\u064a\u0647\u0650 \u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064d \u0623\u064e\u0648\u0652 \u0634\u064e\u0639\u0650\u064a\u0631\u064d (\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0646\u0650\u064a) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0646\u064e\u0648\u0652\u0639\u0650\u0647\u0650 \u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064d \u0633\u064e\u0642\u0650\u064a\u064e\u0651\u0629\u064d \u0623\u064e\u0648\u0652 \u0628\u064e\u062e\u0652\u0633\u0650\u064a\u064e\u0651\u0629\u064d \u0623\u064e\u0648\u0652 \u062c\u064e\u0628\u064e\u0644\u0650\u064a\u064e\u0651\u0629\u064d \u0623\u064e\u0648\u0652 \u0633\u064e\u0647\u0652\u0644\u0650\u064a\u064e\u0651\u0629\u064d (\u0648\u064e\u0627\u0644\u062b\u064e\u0651\u0627\u0644\u0650\u062b\u064f) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0627\u0644\u0635\u0650\u0651\u0641\u064e\u0629\u0650 \u062d\u0650\u0646\u0652\u0637\u064e\u0629\u064d \u062c\u064e\u064a\u0650\u0651\u062f\u064e\u0629\u064d \u0623\u064e\u0648\u0652 \u0631\u064e\u062f\u0650\u064a\u0626\u064e\u0629\u064d \u0623\u064e\u0648\u0652 \u0648\u064e\u0633\u064e\u0637\u064d\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0648\u064e\u0627\u0644\u0631\u064e\u0651\u0627\u0628\u0650\u0639\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0645\u064e\u0639\u0652\u0644\u064f\u0648\u0645\u064e \u0627\u0644\u0652\u0642\u064e\u062f\u0652\u0631\u0650 \u0628\u0650\u0627\u0644\u0652\u0643\u064e\u064a\u0652\u0644\u0650 \u0623\u064e\u0648\u0652 \u0627\u0644\u0652\u0648\u064e\u0632\u0652\u0646\u0650 \u0623\u064e\u0648\u0652 \u0627\u0644\u0652\u0639\u064e\u062f\u064e\u062f\u0650 \u0623\u064e\u0648\u0652 \u0627\u0644\u0630\u064e\u0651\u0631\u0652\u0639\u0650\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u0652\u062e\u064e\u0627\u0645\u0650\u0633\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u064f \u0641\u0650\u064a\u0647\u0650 \u0645\u064f\u0624\u064e\u062c\u064e\u0651\u0644\u064b\u0627 \u0628\u0650\u0623\u064e\u062c\u064e\u0644\u064d \u0645\u064e\u0639\u0652\u0644\u064f\u0648\u0645\u064d \u062d\u064e\u062a\u064e\u0651\u0649 \u0625\u0646\u0652 \u0633\u064e\u0644\u064e\u0651\u0645\u064e \u0627\u0644\u0652\u062d\u064e\u0627\u0644\u064e\u0651 \u0644\u064e\u0627 \u064a\u064e\u062c\u064f\u0648\u0632\u064f \u0648\u064e\u0627\u062e\u0652\u062a\u064f\u0644\u0650\u0641\u064e \u0641\u0650\u064a \u0623\u064e\u062f\u0652\u0646\u064e\u0649 \u0627\u0644\u0652\u0623\u064e\u062c\u064e\u0644\u0650 \u0627\u0644\u064e\u0651\u0630\u0650\u064a \u064a\u064e\u062c\u064f\u0648\u0632\u064f \u0627\u0644\u0633\u064e\u0651\u0644\u064e\u0645\u064f \u0628\u0650\u062f\u064f\u0648\u0646\u0650\u0647\u0650 \u0639\u064e\u0646\u0652 \u0645\u064f\u062d\u064e\u0645\u064e\u0651\u062f\u064d &#8211; \u0631\u064e\u062d\u0650\u0645\u064e\u0647\u064f \u0627\u0644\u0644\u064e\u0651\u0647\u064f \u062a\u064e\u0639\u064e\u0627\u0644\u064e\u0649 &#8211; \u0623\u064e\u0646\u064e\u0651\u0647\u064f \u0642\u064e\u062f\u064e\u0651\u0631\u064e \u0623\u064e\u062f\u0652\u0646\u064e\u0627\u0647\u064f \u0628\u0650\u0634\u064e\u0647\u0652\u0631\u064d \u0648\u064e\u0639\u064e\u0644\u064e\u064a\u0652\u0647\u0650 \u0627\u0644\u0652\u0641\u064e\u062a\u0652\u0648\u064e\u0649 \u0643\u064e\u0630\u064e\u0627 \u0641\u0650\u064a \u0627\u0644\u0652\u0645\u064f\u062d\u0650\u064a\u0637\u0650\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u0633\u064e\u0651\u0627\u062f\u0650\u0633\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u064f \u0641\u0650\u064a\u0647\u0650 \u0645\u064e\u0648\u0652\u062c\u064f\u0648\u062f\u064b\u0627 \u0645\u0650\u0646\u0652 \u062d\u0650\u064a\u0646\u0650 \u0627\u0644\u0652\u0639\u064e\u0642\u0652\u062f\u0650 \u0625\u0644\u064e\u0649 \u062d\u0650\u064a\u0646\u0650 \u0627\u0644\u0652\u0645\u064e\u062d\u064e\u0644\u0650\u0651\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u0633\u064e\u0651\u0627\u0628\u0650\u0639\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u064f \u0641\u0650\u064a\u0647\u0650 \u0645\u0650\u0645\u064e\u0651\u0627 \u064a\u064e\u062a\u064e\u0639\u064e\u064a\u064e\u0651\u0646\u064f \u0628\u0650\u0627\u0644\u062a\u064e\u0651\u0639\u0652\u064a\u0650\u064a\u0646\u0650 \u062d\u064e\u062a\u064e\u0651\u0649 \u0644\u064e\u0627 \u064a\u064e\u062c\u064f\u0648\u0632\u064e \u0627\u0644\u0633\u064e\u0651\u0644\u064e\u0645\u064f \u0641\u0650\u064a \u0627\u0644\u062f\u064e\u0651\u0631\u064e\u0627\u0647\u0650\u0645\u0650 \u0648\u064e\u0627\u0644\u062f\u064e\u0651\u0646\u064e\u0627\u0646\u0650\u064a\u0631\u0650\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u062b\u064e\u0651\u0627\u0645\u0650\u0646\u064f) \u0623\u064e\u0646\u0652 \u064a\u064e\u0643\u064f\u0648\u0646\u064e \u0627\u0644\u0652\u0645\u064f\u0633\u064e\u0644\u064e\u0651\u0645\u064f \u0641\u0650\u064a\u0647\u0650 \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u0623\u064e\u062c\u0652\u0646\u064e\u0627\u0633\u0650 \u0627\u0644\u0652\u0623\u064e\u0631\u0652\u0628\u064e\u0639\u064e\u0629\u0650 \u0645\u0650\u0646\u0652 \u0627\u0644\u0652\u0645\u064e\u0643\u0650\u064a\u0644\u064e\u0627\u062a\u0650 \u0648\u064e\u0627\u0644\u0652\u0645\u064e\u0648\u0652\u0632\u064f\u0648\u0646\u064e\u0627\u062a\u0650 \u0648\u064e\u0627\u0644\u0652\u0639\u064e\u062f\u064e\u062f\u0650\u064a\u064e\u0651\u0627\u062a\u0650 \u0627\u0644\u0652\u0645\u064f\u062a\u064e\u0642\u064e\u0627\u0631\u0650\u0628\u064e\u0629\u0650 \u0648\u064e\u0627\u0644\u0630\u064e\u0651\u0631\u0652\u0639\u0650\u064a\u064e\u0651\u0627\u062a\u0650 \u0643\u064e\u0630\u064e\u0627 \u0641\u0650\u064a \u0627\u0644\u0652\u0645\u064f\u062d\u0650\u064a\u0637\u0650\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u062a\u064e\u0651\u0627\u0633\u0650\u0639\u064f) \u0628\u064e\u064a\u064e\u0627\u0646\u064f \u0645\u064e\u0643\u064e\u0627\u0646\u0650 \u0627\u0644\u0652\u0625\u0650\u064a\u0641\u064e\u0627\u0621\u0650 \u0641\u0650\u064a\u0645\u064e\u0627 \u0644\u064e\u0647\u064f \u062d\u064e\u0645\u0652\u0644\u064c \u0648\u064e\u0645\u064f\u0624\u0652\u0646\u064e\u0629\u064c \u0643\u064e\u0627\u0644\u0652\u0628\u064f\u0631\u0650\u0651 \u0648\u064e\u0646\u064e\u062d\u0652\u0648\u0650\u0647\u2026<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(\u0627\u0644\u0652\u0639\u064e\u0627\u0634\u0650\u0631\u064f) \u0623\u064e\u0646\u0652 \u0644\u064e\u0627 \u064a\u064e\u0634\u0652\u0645\u064e\u0644\u064e \u0627\u0644\u0652\u0628\u064e\u062f\u064e\u0644\u064e\u064a\u0652\u0646\u0650 \u0623\u064e\u062d\u064e\u062f\u064f \u0648\u064e\u0635\u0652\u0641\u064e\u064a\u0652 \u0639\u0650\u0644\u064e\u0651\u0629\u0650 \u0631\u0650\u0628\u064e\u0627 \u0627\u0644\u0652\u0641\u064e\u0636\u0652\u0644\u0650 \u0648\u064e\u0647\u064f\u0648\u064e \u0627\u0644\u0652\u0642\u064e\u062f\u0652\u0631\u064f \u0623\u064e\u0648\u0652 \u0627\u0644\u0652\u062c\u0650\u0646\u0652\u0633\u064f<\/span><\/p>\n<p><span style=\"font-family: verdana, geneva, sans-serif; font-size: 12pt;\">(<a href=\"https:\/\/shamela.ws\/book\/21640\/1241#p1\">Al-Fat\u0101w\u0101 Al-Hindiyyah<\/a>, vol. 3, pg. 179-181, Al-Ma\u1e6dba\u2019ah Al-Kubr\u0101 Al-Am\u012briyyah)<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fatwa ID: 08186 &nbsp; Answered by: Maulana Abdurrahman Mohammad &nbsp; Question: &nbsp; 1.) If I\u2019m an agent for a business and they require me to&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[17],"tags":[],"_links":{"self":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36941"}],"collection":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/comments?post=36941"}],"version-history":[{"count":7,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36941\/revisions"}],"predecessor-version":[{"id":38444,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/posts\/36941\/revisions\/38444"}],"wp:attachment":[{"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/media?parent=36941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/categories?post=36941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/daruliftabirmingham.co.uk\/home\/wp-json\/wp\/v2\/tags?post=36941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}