The best way to discipline your children is to teach and guide them,
more than obliging them to be disciplined. The process of improving a
child's behavior is an educational, not a punitive process. In this
case, you should prefer a smile to frowning, a calm voice to shouting
and a reward to punishment.
In this article, we offer you thirteen tips that will significantly
affect your methodology while you change your child's behavior. These
thirteen tips will form a new atmosphere for discipline making it an
easy matter. However, you should listen to, respond and consider every
tip.
First: Be a good example:
Your child is watching you continuously and he absorbs the way you
face frustration, your behavior while you are angry, the extent of
your truthfulness, honesty, generosity, morals, and so on. Hence, it
would be easier to change your child's behavior if you are his
role-model in doing what you order him to do. It should be known that
you cannot give what you do not have.
Second: Encourage efficiency:
According to experts,"Self-confidence is a good cornerstone for
self-control."When you praise your child's good behavior, you build
his self-confidence. Such self-confidence will help you a great deal
in improving his bad behavior.
Third: Teach your child social skills:
Getting the child accustomed to good social manners at a young age
will save a lot of effort when he gets older. So, from now teach him
to seek permission before entering others' rooms, to say"Jazaak
Allaahu Khayran(May Allaah reward you)" to anyone who does him a
favor, to kiss his parents' hands, to visit his relatives, and to help
his mother with the housework. Every effort that you exert with a
young child will be a great asset helping you to change his bad
behavior when he gets older.
Fourth: Give your child authority to an extent that is proportional to his age:
The more you find ways to encourage independence, the more you save a
lot of time in the future. You should teach your child to make his own
decisions, for example, to choose his own clothes and to buy his own
things. The child who has some kind of authority will control himself
more and will be more capable of changing his behavior.
Fifth: Charge with responsibilities:
Many parents do not entrust tasks to their children because they feel
that it is easier to do them themselves or they do not want to
overburden their children. However, this attitude should be changed
and the child should be encouraged to participate in the housework and
to help his father at work. This should take place after teaching and
training the child to do so in order not to feel a failure. The child
who shoulders responsibility at a young age will be more able to
change his own bad behavior.
Sixth: First attract their attention:
Your children may notice that you talk, but if they do not pay
attention to your words, they will not respond. Therefore, your first
step is to be keen on attracting their attention.
-Go to the room to speak directly to your child.
-Be keen on visual communication which requires flexibility to be on
the same level of the child.
-Your demands should be simple and your explanation should be easy and
clear to understand.
Seventh: Look for other means of rejection:
The child usually turns a deaf ear to everything that he does not like
to hear. This means that the more interesting your speech is, the
greater your chance is to gain their attention.
-Instead of telling the child,"Stop shouting",you should say,"Please,
speak in your normal voice."
-Instead of saying to the child,"Stop throwing the ball inside the
house", you should say,"Take the ball and play outside".
Guiding the child in a positive way will save you from direct
confrontation related to his behavior. It will also give the child a
space to choose. You should not say to him,"Do not play
football";rather, you should say,"Do not play football here."
Eighth: Set limits:
Some parents fear setting limits thinking doing so will weaken the
child's personality. However, when you spend some time with children
who have no limits, you will immediately realize the importance and
positive effect of this approach on the child.
Ninth: Anticipate the situation and deal with it before it takes place:
For instance, if your child insists on having everything he wants from
the toy store, then, you need to go there without accompanying him
until he gets older. It is wise to avoid the development of some bad
attitudes in our children.
Tenth: Setting punishments:
The best way to indicate your dissatisfaction with any bad behavior is
to set punishments. For example, you may say,"If you do not go on
time, you will not be able to go to the picnic","If you beat your
young sister, you will not get your pocket money",and so on.
Eleventh: Be flexible and ready to negotiate if necessary:
Flexibility in upbringing means having sufficient wisdom that does not
drive the parent to ask the child to immediately do his homework after
returning from a hard day at school. In this situation, the parent
should say,"I think you should have some rest now. I will wake you up
after you have rested."
Twelfth: Using the method of rewards:
Reward is different from bribes.
A bribe is to make a previous agreement with the child, for example,
to have a certain amount of money in order not to raise his voice in
the market.
A reward is to give the child a reward in return for his polite
behavior all the day.
Giving rewards enhances good morals and creates a new atmosphere. So,
you should not forget to use it as a successful means of upbringing.
Thirteenth: Be firm on principle:
You should mind what you say and adhere to it. In this way, the child
will understand that you are serious. This will save a lot of your
efforts. Firmness on principles is the basis according to which you
can bring up your child. If you can set some rules and behavior to be
followed inside the family, you will grant your child the starting
point according to which he can make his own decisions.
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Islam is a religion of Mercy, Peace and Blessing. Its teachings emphasize kind hear tedness, help, sympathy, forgiveness, sacrifice, love and care.Qur’an, the Shari’ah and the life of our beloved Prophet (SAW) mirrors this attribute, and it should be reflected in the conduct of a Momin.Islam appreciates those who are kind to their fellow being,and dislikes them who are hard hearted, curt, and hypocrite.Recall that historical moment, when Prophet (SAW) entered Makkah as a conqueror. There was before him a multitude of surrendered enemies, former oppressors and persecutors, who had evicted the Muslims from their homes, deprived them of their belongings, humiliated and intimidated Prophet (SAW) hatched schemes for his murder and tortured and killed his companions. But Prophet (SAW) displayed his usual magnanimity, generosity, and kind heartedness by forgiving all of them and declaring general amnesty...Subhanallah. May Allah help us tailor our life according to the teachings of Islam. (Aameen)./-
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Monday, February 3, 2014
Islamic Articles, - Love Her...details at http://aydnajimudeen.blogspot.com
Love her .when she sips on your coffee or tea. She only wants to make
Sure it tastes just right for you.
Love her when she "pushes" you to pray. She wants to be with you in
Jannah (Paradise).
Love her when she asks you to play with the kids. She did not "make"
them on her own.
Love her when she is jealous. Out of all the men she can have, she chose you
Love her when she has annoying little habits that drives you nuts. You
Have them too.
Love her when her cooking is bad. She tries.
Love her when she looks disheveled in the morning. She always grooms
herself up again.
Love her when she asks to help with the kids homework. She only wants
you to be part of the home.
Love her when she asks if she looks fat. Your opinion counts, so
Tell her she's beautiful.
Love her when she looks beautiful. She's yours so appreciate her.
Love her when she spends hours to get ready. She only wants to look
her best for you.
Love her when she buys you gifts you don't like. Smile and tell her
it's what you've always wanted.
Love her.when she has developed a bad habit. You have many more and
With wisdom and politeness you have all the time to help her change.
Love her when she cries for absolutely nothing. Don't ask, tell her
Its going to be okay.
Love her.when she suffers from PMS. Buy chocolate, rub her feet and
back and just chat to her.
Love her.when whatever you do is not pleasing. It happens and will pass.
Love her.when she stains your clothes. You needed a new thobe (kurta) anyway
Love her when she tells you how to drive. She only wants you to be safe.
Love her when she argues. She only wants to make things right for both of you.
Love her she is yours. You don't need any other special reason!!!!
All this forms part of a Woman's Character. Women are part of your
Life and should be treated as the Queen.
The Messenger of Allah (peace be upon him) advised concerning the
Woman: treat the women well. The best of you are those who are the
best in the treatment of their wives.
No one honours the woman except an honorable man. And no one
Humiliates her or holds her in contempt except one who is evil, vile,
Wicked and depraved. Don't wait for that special occasion, take time
Now to make her feel Special in Every Way
Sure it tastes just right for you.
Love her when she "pushes" you to pray. She wants to be with you in
Jannah (Paradise).
Love her when she asks you to play with the kids. She did not "make"
them on her own.
Love her when she is jealous. Out of all the men she can have, she chose you
Love her when she has annoying little habits that drives you nuts. You
Have them too.
Love her when her cooking is bad. She tries.
Love her when she looks disheveled in the morning. She always grooms
herself up again.
Love her when she asks to help with the kids homework. She only wants
you to be part of the home.
Love her when she asks if she looks fat. Your opinion counts, so
Tell her she's beautiful.
Love her when she looks beautiful. She's yours so appreciate her.
Love her when she spends hours to get ready. She only wants to look
her best for you.
Love her when she buys you gifts you don't like. Smile and tell her
it's what you've always wanted.
Love her.when she has developed a bad habit. You have many more and
With wisdom and politeness you have all the time to help her change.
Love her when she cries for absolutely nothing. Don't ask, tell her
Its going to be okay.
Love her.when she suffers from PMS. Buy chocolate, rub her feet and
back and just chat to her.
Love her.when whatever you do is not pleasing. It happens and will pass.
Love her.when she stains your clothes. You needed a new thobe (kurta) anyway
Love her when she tells you how to drive. She only wants you to be safe.
Love her when she argues. She only wants to make things right for both of you.
Love her she is yours. You don't need any other special reason!!!!
All this forms part of a Woman's Character. Women are part of your
Life and should be treated as the Queen.
The Messenger of Allah (peace be upon him) advised concerning the
Woman: treat the women well. The best of you are those who are the
best in the treatment of their wives.
No one honours the woman except an honorable man. And no one
Humiliates her or holds her in contempt except one who is evil, vile,
Wicked and depraved. Don't wait for that special occasion, take time
Now to make her feel Special in Every Way
Dought & clear, - Soorat al-Mulk offers protection from the punishment in the graveif one persists in reciting it by night and day, but the night is more certain
:->
It is said that reading Soorat al-Mulk at night protects a person from the punishment of the grave. Can that be achieved if one recites it by day? Will it save us from the punishment of the grave even if we read it by day?
Praise be to Allah
Soorat al-Mulk is one of the great soorahs of the Qur’an which we are encouraged in saheeh reports to recite frequently, and there are reports which say that it will protect the one who recites it from the punishment of the grave.
Abu Dawood (1400) and al-Tirmidhi (2891 – and he classed it as hasan) narrated from Abu Hurayrah that the Prophet (blessings and peace of Allah be upon him) said: “There is a soorah of the Qur’an, with thirty verses, that interceded for a man until he was forgiven; it is‘Soorah Tabaarak Alladhi bi yadihi’l-mulk (Blessed is He in Whose Hand is the dominion)’ [al-Mulk 67:1].” It was also classed as hasan by al-Albaani inSaheeh at-Tirmidhi.
Al-Mannaawi (may Allah have mercy on him) said:
He recited it frequently, thus it kept asking Allah (to forgive him) until he was forgiven. This is encouragement to everyone to recite it regularly so as to attain its intercession.
End quote fromFayd al-Qadeer, 2/574
Shaykh ‘Abd al-Muhsin al-‘Abbaad (may Allah preserve him) said:
This hadeeth highlights its virtue and tells us that it will intercede on the Day of Resurrection for its companion, i.e., the one who recites it.
End quote fromSharh Sunan Abi Dawood, 8/7.
In the virtue mentioned, that this soorah will intercede for the one who recites it, there is nothing to limit recitation thereof to night or day; rather what may be understood from this hadeeth is that what is meant by reciting this soorah is paying particular attention to it, memorizing it, understanding it, and reciting it frequently, especially in prayer.
With regard to the report narrated by an-Nasaa’i inas-Sunan al-Kubra(10547) and in‘Aml al-Yawm wa’l-Laylah(711), and by Abu Taahir al-Mukhliss inal-Mukhlisiyyaat(228), via ‘Arfajah ibn ‘Abd al-Waahid from ‘Aasim ibn Abi’n-Nujood from Zirr from ‘Abdullah ibn Mas‘ood, who said: “Whoever recitesSoorah Tabaarak Alladhi bi yadihi’l-mulk (Blessed is He in Whose Hand is the dominion) [al-Mulk 67:1]every night, Allah will protect him thereby from the punishment of the grave”, and at the time of the Messenger of Allah (blessings and peace of Allah be upon him) we used to call it al-maani‘ah (that which protects), and that in the Book of Allah there is a soorah, everyone who recites it every night has done a great deal and has done well –
– its isnaad is layyin (weak). ‘Arfajah ibn ‘Abd al-Waahid is dubious, and no one regarded him as trustworthy. Al-Haafiz said inat-Taqreeb(389): He is acceptable, i.e., if there is any corroborating evidence, otherwise his hadeeth is layyin – as was stated in the introduction.
There is no corroborating evidence for ‘Arfajah’s version of this report with these additions. Rather he was contradicted by someone who is far more trustworthy than him, namely Sufyaan ath-Thawri. Al-Haakim (3839) narrated via Ibn al-Mubaarak, and at-Tabaraani narrated inal-Kabeervia ‘Abd ar-Razzaaq (8651), both from Sufyaan, from ‘Aasim, from Zirr, from Ibn Mas‘ood (may Allah be pleased with him) that he said: “(Angels) will come to a man in his grave; they will come to his feet and his feet will say: You have no power over us; he used to recite Soorat al-Mulk. Then they will come to his chest or his stomach and it will say: You have no power over me; he used to recite Soorat al-Mulk. Then they will come to his head and it will say: You have no power over me; he used to recite Soorat al-Mulk. So it is the maani‘ah (protector) that protects against the punishment of the grave and it is referred to in the Torah as Soorat al-Mulk, whoever recites it by night has done a great deal and has done well.
This is the correct report and it is what is known to the scholars. The words “Whoever recites it every night, Allah will protect him thereby from the punishment of the grave”, which appear in the hadeeth of ‘Arfajah, are not known to the scholars, and attribution thereof to the Prophet (sa) is also not known to them. What is correct with regard to the isnaad is that it is mawqoof (ends with the Sahaabi), as in this report of Sufyaan.
It was also narrated by Abu’sh-Shaykh inTabaqaat al-Asbahaaniyyeen(264) in a shorter, marfoo‘ report from Ibn Mas‘ood, as follows: “Soorah Tabaarak (al-Mulk) is that which protects against the punishment of the grave.” It was narrated via Abu Ahmad az-Zubayri from Sufyaan.
Concerning Abu Ahmad az-Zubayri, Ahmad said: He made many mistakes in the hadeeth he narrated from Sufyaan. Abu Haatim said: He was a devoted worshipper and had good knowledge of hadeeth, but he made mistakes.
Tahdheeb at-Tahdheeb, 9/228
This is one of his mistakes when narrating from Sufyaan (may Allah have mercy on him). The correct report is the mawqoof report, as quoted above from Ibn al-Mubaarak and ‘Abd ar-Razzaaq.
Something similar may be said if it is deemed to be marfoo‘ (attributed to the Prophet (sa) via a complete isnaad), as was stated by more than one of the scholars. And this is in harmony with what is stated above. The hadeeth is general in meaning and it is not stipulated that it should be recited at night.
Al-Mannaawi said inat-Tayseer(2/62):
The soorah will give protection to the one who recited it; when he dies and is placed in his grave, he will not be punished there.
Abu’l-Hasan al-Mubaarakfoori (may Allah have mercy on him) said:
What is meant is that reciting this soorah in this world will be a means of salvation from the punishment of the grave.
End quote fromMar‘aat al-Mafaateeh, 7/231
According to the hadeeth of Jaabir (may Allah be pleased with him), the Prophet (blessings and peace of Allah be upon him) did not sleep until he recitedAlif-Laam-Meem tanzeel(Soorat as-Sajdah) andTabaarak alladhi bi yahihi al-mulk(Soorat al-Mulk).
Narrated by at-Tirmidhi (2892) and others; classed as saheeh by Shaykh al-Albaani (may Allah have mercy on him). However it appears to be ma‘lool (problematic), as was stated by Ibn Abi Haatim, narrating from his father, inal-‘Ilal, 1668, and‘Ilal ad-Daaraqutni, 13/340. al-Haafiz Ibn Hajar (may Allah have mercy on him) agreed with him, as it says inIthaaf al-Mahrah, 3/155. He also said, after discussing its isnaad: Based on that, it is mursal or mu‘dal (i.e., not sound). End quote fromNataa’ij al-Afkaar, 3/267
To sum up:
There is the hope that the one who recites this soorah will attain this great virtue and it will intercede for him before Allah and save him from the punishment of the grave. There are reports which speak in particular about giving extra attention to it at night or when going to sleep. So if a person strives to do that, it is a good thing, in sha Allah.
And Allah knows best.
It is said that reading Soorat al-Mulk at night protects a person from the punishment of the grave. Can that be achieved if one recites it by day? Will it save us from the punishment of the grave even if we read it by day?
Praise be to Allah
Soorat al-Mulk is one of the great soorahs of the Qur’an which we are encouraged in saheeh reports to recite frequently, and there are reports which say that it will protect the one who recites it from the punishment of the grave.
Abu Dawood (1400) and al-Tirmidhi (2891 – and he classed it as hasan) narrated from Abu Hurayrah that the Prophet (blessings and peace of Allah be upon him) said: “There is a soorah of the Qur’an, with thirty verses, that interceded for a man until he was forgiven; it is‘Soorah Tabaarak Alladhi bi yadihi’l-mulk (Blessed is He in Whose Hand is the dominion)’ [al-Mulk 67:1].” It was also classed as hasan by al-Albaani inSaheeh at-Tirmidhi.
Al-Mannaawi (may Allah have mercy on him) said:
He recited it frequently, thus it kept asking Allah (to forgive him) until he was forgiven. This is encouragement to everyone to recite it regularly so as to attain its intercession.
End quote fromFayd al-Qadeer, 2/574
Shaykh ‘Abd al-Muhsin al-‘Abbaad (may Allah preserve him) said:
This hadeeth highlights its virtue and tells us that it will intercede on the Day of Resurrection for its companion, i.e., the one who recites it.
End quote fromSharh Sunan Abi Dawood, 8/7.
In the virtue mentioned, that this soorah will intercede for the one who recites it, there is nothing to limit recitation thereof to night or day; rather what may be understood from this hadeeth is that what is meant by reciting this soorah is paying particular attention to it, memorizing it, understanding it, and reciting it frequently, especially in prayer.
With regard to the report narrated by an-Nasaa’i inas-Sunan al-Kubra(10547) and in‘Aml al-Yawm wa’l-Laylah(711), and by Abu Taahir al-Mukhliss inal-Mukhlisiyyaat(228), via ‘Arfajah ibn ‘Abd al-Waahid from ‘Aasim ibn Abi’n-Nujood from Zirr from ‘Abdullah ibn Mas‘ood, who said: “Whoever recitesSoorah Tabaarak Alladhi bi yadihi’l-mulk (Blessed is He in Whose Hand is the dominion) [al-Mulk 67:1]every night, Allah will protect him thereby from the punishment of the grave”, and at the time of the Messenger of Allah (blessings and peace of Allah be upon him) we used to call it al-maani‘ah (that which protects), and that in the Book of Allah there is a soorah, everyone who recites it every night has done a great deal and has done well –
– its isnaad is layyin (weak). ‘Arfajah ibn ‘Abd al-Waahid is dubious, and no one regarded him as trustworthy. Al-Haafiz said inat-Taqreeb(389): He is acceptable, i.e., if there is any corroborating evidence, otherwise his hadeeth is layyin – as was stated in the introduction.
There is no corroborating evidence for ‘Arfajah’s version of this report with these additions. Rather he was contradicted by someone who is far more trustworthy than him, namely Sufyaan ath-Thawri. Al-Haakim (3839) narrated via Ibn al-Mubaarak, and at-Tabaraani narrated inal-Kabeervia ‘Abd ar-Razzaaq (8651), both from Sufyaan, from ‘Aasim, from Zirr, from Ibn Mas‘ood (may Allah be pleased with him) that he said: “(Angels) will come to a man in his grave; they will come to his feet and his feet will say: You have no power over us; he used to recite Soorat al-Mulk. Then they will come to his chest or his stomach and it will say: You have no power over me; he used to recite Soorat al-Mulk. Then they will come to his head and it will say: You have no power over me; he used to recite Soorat al-Mulk. So it is the maani‘ah (protector) that protects against the punishment of the grave and it is referred to in the Torah as Soorat al-Mulk, whoever recites it by night has done a great deal and has done well.
This is the correct report and it is what is known to the scholars. The words “Whoever recites it every night, Allah will protect him thereby from the punishment of the grave”, which appear in the hadeeth of ‘Arfajah, are not known to the scholars, and attribution thereof to the Prophet (sa) is also not known to them. What is correct with regard to the isnaad is that it is mawqoof (ends with the Sahaabi), as in this report of Sufyaan.
It was also narrated by Abu’sh-Shaykh inTabaqaat al-Asbahaaniyyeen(264) in a shorter, marfoo‘ report from Ibn Mas‘ood, as follows: “Soorah Tabaarak (al-Mulk) is that which protects against the punishment of the grave.” It was narrated via Abu Ahmad az-Zubayri from Sufyaan.
Concerning Abu Ahmad az-Zubayri, Ahmad said: He made many mistakes in the hadeeth he narrated from Sufyaan. Abu Haatim said: He was a devoted worshipper and had good knowledge of hadeeth, but he made mistakes.
Tahdheeb at-Tahdheeb, 9/228
This is one of his mistakes when narrating from Sufyaan (may Allah have mercy on him). The correct report is the mawqoof report, as quoted above from Ibn al-Mubaarak and ‘Abd ar-Razzaaq.
Something similar may be said if it is deemed to be marfoo‘ (attributed to the Prophet (sa) via a complete isnaad), as was stated by more than one of the scholars. And this is in harmony with what is stated above. The hadeeth is general in meaning and it is not stipulated that it should be recited at night.
Al-Mannaawi said inat-Tayseer(2/62):
The soorah will give protection to the one who recited it; when he dies and is placed in his grave, he will not be punished there.
Abu’l-Hasan al-Mubaarakfoori (may Allah have mercy on him) said:
What is meant is that reciting this soorah in this world will be a means of salvation from the punishment of the grave.
End quote fromMar‘aat al-Mafaateeh, 7/231
According to the hadeeth of Jaabir (may Allah be pleased with him), the Prophet (blessings and peace of Allah be upon him) did not sleep until he recitedAlif-Laam-Meem tanzeel(Soorat as-Sajdah) andTabaarak alladhi bi yahihi al-mulk(Soorat al-Mulk).
Narrated by at-Tirmidhi (2892) and others; classed as saheeh by Shaykh al-Albaani (may Allah have mercy on him). However it appears to be ma‘lool (problematic), as was stated by Ibn Abi Haatim, narrating from his father, inal-‘Ilal, 1668, and‘Ilal ad-Daaraqutni, 13/340. al-Haafiz Ibn Hajar (may Allah have mercy on him) agreed with him, as it says inIthaaf al-Mahrah, 3/155. He also said, after discussing its isnaad: Based on that, it is mursal or mu‘dal (i.e., not sound). End quote fromNataa’ij al-Afkaar, 3/267
To sum up:
There is the hope that the one who recites this soorah will attain this great virtue and it will intercede for him before Allah and save him from the punishment of the grave. There are reports which speak in particular about giving extra attention to it at night or when going to sleep. So if a person strives to do that, it is a good thing, in sha Allah.
And Allah knows best.
- PUBLISHERNajimudeeN M
Dought & clear, - Ruling on investing in the al-Baraka Banking Group
:->
There is a banking group called al-Baraka Banking Group ( www.albaraka.bh). Is it permissible to invest in their programs and use their financial products? This group appears to be an Islamic bank. What is the ruling on joining and dealing with this group?
Praise be to Allah
The al-Baraka Banking Group adheres in its programs and goals to Islamic sharee‘ah, and contributes to reviving and propagating Islamic banking. It has a sharee‘ah board that supervises activities.
Therefore the basic principle is that it is permissible to invest in its programs and products, so long as there does not appear to be anything wrong in any of those programs, in which case one should avoid investing or dealing in those programs.
We only say this because in some Islamic banks there are some things that are contrary to Islam, such as organized tawarruq involving metals (see question no. 11776), or stipulating a penalty for any delay in credit card payments or some irregularities in muraabahah transactions, or stipulating that a percentage be paid when making withdrawals with one’s credit card. Statements have been issued by the Islamic Fiqh Council that these transactions are haraam, but the group referred to had adhered to the opinion of their Sharee‘ah Board concerning them. Hence we cannot rule that all transactions done by Islamic banks are valid. However the basic principle is that transactions are permissible, but one should be prudent and ask about the transactions that are subject to differences of opinion, such as those referred to above.
And Allah knows best.
There is a banking group called al-Baraka Banking Group ( www.albaraka.bh). Is it permissible to invest in their programs and use their financial products? This group appears to be an Islamic bank. What is the ruling on joining and dealing with this group?
Praise be to Allah
The al-Baraka Banking Group adheres in its programs and goals to Islamic sharee‘ah, and contributes to reviving and propagating Islamic banking. It has a sharee‘ah board that supervises activities.
Therefore the basic principle is that it is permissible to invest in its programs and products, so long as there does not appear to be anything wrong in any of those programs, in which case one should avoid investing or dealing in those programs.
We only say this because in some Islamic banks there are some things that are contrary to Islam, such as organized tawarruq involving metals (see question no. 11776), or stipulating a penalty for any delay in credit card payments or some irregularities in muraabahah transactions, or stipulating that a percentage be paid when making withdrawals with one’s credit card. Statements have been issued by the Islamic Fiqh Council that these transactions are haraam, but the group referred to had adhered to the opinion of their Sharee‘ah Board concerning them. Hence we cannot rule that all transactions done by Islamic banks are valid. However the basic principle is that transactions are permissible, but one should be prudent and ask about the transactions that are subject to differences of opinion, such as those referred to above.
And Allah knows best.
- PUBLISHERNajimudeeN M
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