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Text of the page (random words):
s in my business i currently offer two methods for customers to purchase tools 1 the truck account interest free this is an informal handshake agreement between myself and the customer i apply a significant markup to the tools often 60 to 100 for example if a customer buys a tool for 500 they pay a fixed weekly amount e g 50 or 100 until the balance is cleared there is 0 interest charged on these payments it s between me and them is this high markup deferred payment model considered permissible 2 snap on credit interest bearing loans for expensive items like toolboxes and tool we facilitate formal loans through snap on credit this involves formal contracts spanning 1 to 5 years interest rates ranging from 9 9 to 29 9 apr a business model that encourages keeping customers in perpetual debt to ensure they remain on the truck ethical and spiritual concerns i feel a deep sense of guilt regarding the following 1 exploitation the corporate strategy encourages us to keep customers in a cycle of debt so they remain dependent on the tool truck indefinitely 2 dishonesty due to high overhead costs the finance on my own truck and a interst bearing loan i took out from snap on i find myself exaggerating and lying to customers just to close a sale 3 facilitating riba i feel more like a bank agent than a tool salesman i am worried that my role in processing these interest bearing loans makes my income haram and my actions sinful background on how snap on finance snap on credit llc is a dedicated financial institution it manages over 2 5 billion in receivables money owed by customers they use me the franchisee as the loan officer i do the paperwork i assess the customer s character and collect the weekly installments but the high interest profit goes back to the corporate entity they want to keep customers in debt is actually a core part of the business model in the industry this is often called building the ra revolving account retention through debt if a customer owes you 2 000 they feel obligated to step onto your truck every week to pay as long as they are on the truck you have a chance to sell them more the trap if they pay off their debt they might stop coming onto the truck this is why the corporate pressure is so high to reload the customer with a new purchase as soon as they have room on their credit line personal reflection and seeking hidayah lately despite making significant money through the franchise my life has taken a difficult turn since i started this business i am facing worsening health issues and a broken relationship with my wife and children i am constantly fighting and arguing i fear these are the consequences of dealing in interest dishonesty and missing salah the money i have earned so far is this halal or should i give this in charity and start again i am desperate mufti sahib to find peace again i know in my heart i am doing wrong but i am fooling myself i just need a wake up call i humbly request your guidance on the following what are the specific warnings in the quran and hadith regarding those who sell or facilitate interest is the high markup truck account model permissible if it remains 0 interest if my business cannot survive without the interest bearing loans is it mandatory for me to leave this profession i am seeking hidayah and a way to earn a pure tayyib living i look forward to your advice i have been as transparent as i can be i have no mahram what shall i do 11 04 2026 ulamaa id 04 assalamualaykum i pray you re well my parents are divorced and we don t see my dad he has no communication with us for over 12years reconciliation is not possible it has been considered it was me my sister mom and brother but my brother has gone abroad after getting married my mum has her mahrams her nephews brother etc but me and my sister have my uncle and grandpa my uncle he has his own family and if they go somewhere well we don t have a mahram as my grandpa lives back home in pakistan so what do i do if my sister wants to go on holiday abroad and so does my mum i can t be left alone so i go with them but i know this isn t allowed but what are the rulings for those who have no mahram in terms of travel the three of us and in general too women with no mahram how do i get married visiting other cities does that mean i cant go anywhere until i get married i know it would be wise to go to my uncle or grandparents but my emotions get in the way as i do not have a close bond or relationship with either of them growing up we were not and are still not close to them and my grandpa does not live us and my uncle has his own family and he would not go abroad or anywhere with us especially as he has his own kids who have reached maturity so it wouldn t be fair on them and i practice niqab but my sister doesn t parents used the money sent by son and developed properties but denying contribution and doing injus 11 04 2026 ulamaa id 04 assalaamu alaikum wa rahmatullaahi wa barakatahu dear brother could you please go through the below details and kindly guide me frankly i am helpless stressed and worry of my health my future kid s as well thanks in advance i am the only son to my parents who are 72 67 years old i have 2 eldest and 1 younger sister my parents live in hometown and all my 3 sisters stays nearby my hometown with their husbands families i stay in a city hyderabad india with my family wife 12 years old son 11 years old daughter i started my career around 22 years back and since then i have been most obedient and supportive to my parents in all the aspects as per my father s wish and mine we built mango farm from scratch in the land which is given to us by my grandfather it is 12 years old of farm now which is completely managed by my father most of my job savings from the job went into mainly mango farm development clearing my father s debts supporting my youngest sister s marriage my parents medical needs surgeries pharmacy which are always in corporate hospitals home repairs etc my father is a retired state government servant receives monthly pension 2 houses monthly rents and income from mango farm he lives in a own house frankly to say since my career start i am completely independent and till now i did not receive any money from my parents my father never shared with me his details like how much he receives as monthly pension rents and also from mango farm if i specially asks then he diverts the discussion either going into some different topic going away from me or by saying health is not good will talk later this has been the trend since last 5 years i have my immediate family to feed and i too have responsibilities towards my wife and kids in terms of education as long as i am giving money to them whenever they asked then there were no issues when i started asking to share the savings then absolutely no comments since then they started spreading false information to my sisters relatives and neighbors worst case is to the hospital doctors also they wasted my money in investing into my father s brothers lands they took money but didn t register the properties as they started demanding more money now it is in courts since last 7 years this occurrence happened in another scenario too i was the last one to get married with my own expenses and at the time of my arranged marriage my parents clearly told me and my in laws that whatever is available all belongs to my son i e myself they clearly stated that there is nothing to be given to daughters now since last 5 years they changed their mind and they want to give share in the mango farm where neither my parents nor my sisters spent any money towards development also want to give a house s and for that the reason being given is whoever takes care of us will get it only half of my ancestral land is on my name and rest is with my father frankly i never had any other bad intentions when i had been spending money towards my parents since 22 years always listened and sent them the money as i am the son and have to take care of my parents well there were multiple occasions where in i had to loan the money to give to my father but now my father disagrees with me on the money spent by me he declines i wanted to solve the issue in a friendly way i asked them to do some agreement in which it says so and so belong to his son daughters upon their death since my career they never gave me any money and now i am requesting them to share with me some money as my kids education expenses grows and i am also getting old but none of these concern to my parents whenever they have any medical need or surgery needed then they politely come to my home in the city as soon as their need is fulfilled then they simply vanishes they hardly speak to me and they hardly take my calls now they frequently leave the hometown house and spending more time with my sisters and spreading all the false information due to this there were few incidents where in i had to raise my voice to show them how i feel and how am i concerned about my future and kids but none of it concer them due to which i feel stressed and always thinking why they are giving this kind of treatment to me their daughters did not clear any of their debts never helped financially but my parents are now spending time with them and hardly connect with me and my family they are blackmailing me to do whatever i can since my father is the eldest in his family so his brothers and sisters do not talk anything about him i tried to resolve it with my village elders but he did not show up he always escapes whenever any medical need comes then he always say everything belong to you only even recently a month back also he said the same but he again backed out of his promise once the surgery went well and discharged sorry to say this but my parents are liars they always try to blame me only even though i utter the same statement what they said in the past hope you understand my issue now could you please help me out with my further course of action how to resolve my matters i am feeling lonely stressed a lot which is impacting my life at home zakat usage 05 04 2026 ulamaa id 04 salam my husband has no savings from his earnings i have savings and pay zakat for my savings my husband has some debt that he is finding difficult to clear am i able to use some of my zakat to clear his debts for him waswasah 04 04 2026 ulamaa id 04 asalamualaikum just have a question for these hypothetical scenario 1 if a hypothetical man is suffering from waswasah and says to himself constantly never leave no matter what but he accidentally doesn t say the never and accidentally out loud only says leave no matter what or from that whole sentence only says out loud leave and there s no intention at all of divorce does that do anything in all wordings 2 similarly if a man because of waswasah all the time randomly says out loud leave without thinking of the rest of the sentences with no intention at all of divorce does that do anything 3 if a hypothetical man in a hypothetical scenario says i ll leave if you do this or i ll leave if you don t do this and there s no intention at all of does that do anything in all wordings the man is just angry and says as a threat it to get her to do what he wants 4 and if the hypothetical man in the hypothetical scenario is asked by his hypothetical wife if he intended to divorce her by saying that and he lies and says yes even though he doesn t intend it at all he just lies and says yeah so she listens does that do anything 5 if a hypothetical man in a hypothetical scenario says to his sister i don t want her referring to his wife or he says to his wife i don t want you it s all just out of frustration and anger and there s no intention at all of divorce does that do anything in all wordings 6 when referring to hypothetical scenario or scenarios in my life which you confirmed that divorce definitely doesn t occur in my question i have mistakenly said something similar to ive also given conditional divorce which i haven t done ever at all i just said it as i was explaining the scenario to you back then and mistakenly wrote it there s no intention at all of divorce or put the word divorce in the question title does that do anything in all wordings and anything else similar to that there s no intention at all of divorce jazaka allah for all your help may allah reward you immensely quick mental health question 04 04 2026 ulamaa id 04 asalamualaikum hypothetically in islam if a hypothetical man has an ocd he has a thought that if he doesn t or does do that then divorce so he does stuff for example it could be anything like opening the door multiple times or switching the light off multiple times after the fact that this hypothetical man listens to the thought and act on it do anything or starts to do with action or is in the middle of it and stop himself does that do anything or if he can t do the action for any reason there s no intention at all of divorce does that do anything in all scenarios or anything similar may you be rewarded assalah mu alaykum i gave my word to my tenant that when i sell my house he will get the 1st chance 01 04 2026 ulamaa id 04 assalah mu alaykum i gave my word to my tenant who was staying in house for 20 years 3 months before i gave him a price 300k when the time came to sell i went back on my word and sold the house to another person for 325k as he was offered me more so my tenant got really angry with this because i went against my word i know i am wrong what is shariah ruling on this the now ex tenant says that i have to give him back 24 months of rental as he stayed in there for 2 months though he still has outstanding balance of unpaid 6 months rent only then maybe will forgive me he has given me 2 weeks to do if not then he is threatening me by saying he will report me to hmrc for not paying or declaring the rent payments to them he has recording where i have said i promise to sell the house to him so he is going to make viral to whole world to show my character to people of how i break promises is this allowed what is the ruling on this to please advise jazakalla u khair mehboob i have a mortage froma islamic home loan can i be allowed to have home insurance to avoid hardship 31 03 2026 ulamaa id 04 i am currently living in a non muslim country and have financed my home through an islamic bank using an ijarah lease to own model in the event of a disaster that destroys the property i am concerned about the financial hardship of losing my home while still being liable for the debt is it permissible to take out a conventional home insurance policy to mitigate this risk and protect against total financial loss financial boundaries with extended family 31 03 2026 ulamaa id 04 sheikh my husband is the eldest of four brothers we both work hard and after five years of marriage are still building our own family and trying to save and invest wisely for our future alhamdulillah allah has blessed us with a good in...