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Topic: Ruling on Working In Banks - from alIfta.com
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 dksadiq
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Damilola Sadiq ibn Owodunni
(Lagos, Nigeria || Eastern Province, KSA)
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Member
Posts: 338
Joined: Jul 2007
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Ruling on Working In Banks - from alifta.com
Working in banks
Q 2: What is the ruling on working in banks and on the salaries paid to their employees?
A: According to what is mentioned in the answer of the first question, working in banks that deal in usury is unlawful because the employees are either scribes of usurious calculations, receivers of the money which is used in usury, givers of this money, holders or transferors of their securities from an office to another, or from a place to another or suppliers of services to people who work in the bank or outside it. Hence, they perform a direct or indirect unlawful act. The salary which the employees take for their work is prohibited.
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Qa'ud
Member - 'Abdullah ibn Ghudayyan
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[url=http://www.alifta.org/Search/ResultDetails.aspx?lang=en&view=result&fatwaNum=&FatwaNumID=&ID=5475&searchScope=7&SearchScopeLevels1=&SearchScopeLevels2=&highLight=1&SearchType=exact&SearchMoesar=false&bookID=&LeftVal=0&RightVal=0&simple=&SearchCriteria=allwords&PagePath=&siteSection=1&searchkeyword=working%20bANK#firstKeyWordFound]Ruling on working in banks[/url]
The second question of Fatwa no. 2608
Q 2: Is it permissible to work in a bank that deals with Riba (usury/interest), even though the person has nothing to do with the Riba-based dealings, although the overall income of the bank is from Riba?
A: It is not permissible for a Muslim to work in a bank that deals with Riba, even if the job that they are appointed to do is not related to the Riba-based dealings. This is because they would be assisting those who work with Riba and cooperating with them. Allah (Exalted be He) says:
وَلاَ تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ
{... but do not help one another in sin and transgression.} Surah Al-Ma'idah, 5: 2
May Allah grant us success! May peace and blessings of Allah be upon our Prophet Muhammad, his family, and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Qa'ud
Member - 'Abdullah ibn Ghudayyan
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[url=http://www.alifta.org/Search/ResultDetails.aspx?lang=en&view=result&fatwaNum=&FatwaNumID=&ID=5478&searchScope=7&SearchScopeLevels1=&SearchScopeLevels2=&highLight=1&SearchType=exact&SearchMoesar=false&bookID=&LeftVal=0&RightVal=0&simple=&SearchCriteria=allwords&PagePath=&siteSection=1&searchkeyword=working%20bANK#firstKeyWordFound]Ruling on working in banks[/url]
Fatwa no. 2930
Q: I work in a usurious bank that provides interest-based loans and accepts interest-based deposits. I discovered that working in such Riba-based banks is Haram (prohibited), so please answer the following queries:
1. Is my job in this bank Haram or not, as I am a mere employee not the owner of the capital?
2. Should I quit this work and search for another one, knowing that I could hardly find a job in which the salary is equal to the one I have now. Should I quit the bank before finding another job or should I wait until I find it?
3. I worked in the bank for 12 years, what is the ruling on these years of Haram working? Are the earnings I made from working in this bank Haram or not? The cost of Hajj I performed was covered by my salary paid by this bank, is my Hajj acceptable?
A: Firstly, working in Riba-based banks is prohibited and it is impermissible for you to continue because it falls under cooperating in sin and transgression. Allah has prohibited this by saying
وَلاَ تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ
{... but do not help one another in sin and transgression.} Surah Al-Ma'idah, 5: 2
It was authentically reported from the Messenger of Allah (peace be upon him) on the authority of Jabir (may Allah be pleased with him) who said, The Prophet (peace be upon him) cursed the devourer (taker) of Riba (usury/interest), the one who pays it, its scribe, and its two witnesses. Similarly, Ibn Mas`ud (may Allah be pleased with him) said, The Prophet (peace be upon him) cursed the devourer (taker) of Riba (usury/interest), the one who pays it, its scribe, and its two witnesses. (Related by the Five Compilers of Hadith (Imams Ahmad, Abu Dawud, Al-Tirmidhy, Al-Nasa'y, and Ibn Majah) and authenticated by Al-Tirmidhy.) You should repent to Allah from doing so.
Secondly, as for the past years of working in this bank, we hope that Allah pardons your sins and there is nothing wrong with the money you received for your work during this period of time if you were unaware of the Islamic ruling concerning this. We also hope that Allah accepts your Hajj covered by this money as He (Exalted be He) says:
وَأَحَلَّ اللَّهُ الْبَيْعَ وَحَرَّمَ الرِّبَا ۚ فَمَن جَاءَهُ مَوْعِظَةٌ مِّن رَّبِّهِ فَانتَهَىٰ فَلَهُ مَا سَلَفَ وَأَمْرُهُ إِلَى اللَّهِ ۖ وَمَنْ عَادَ فَأُولَٰئِكَ أَصْحَابُ النَّارِ ۖ هُمْ فِيهَا خَالِدُونَ *** يَمْحَقُ اللَّهُ الرِّبَا وَيُرْبِي الصَّدَقَاتِ ۗ وَاللَّهُ لَا يُحِبُّ كُلَّ كَفَّارٍ أَثِيمٍ
{... whereas Allah has permitted trading and forbidden Riba (usury). So whosoever receives an admonition from his Lord and stops eating Riba (usury) shall not be punished for the past; his case is for Allah (to judge); but whoever returns [to Riba (usury)], such are the dwellers of the Fire - they will abide therein. (*) Allah will destroy Riba (usury) and will give increase for Sadaqat (deeds of charity, alms, etc.) And Allah likes not the disbelievers, sinners.} Surah Al-Baqarah, 2: 275-276
May Allah grant us success! May peace and blessings of Allah be upon our Prophet Muhammad, his family and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Qa'ud
Member - 'Abdullah ibn Ghudayyan
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| dksadiq
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Damilola Sadiq ibn Owodunni
(Lagos, Nigeria || Eastern Province, KSA)
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Member
Posts: 338
Joined: Jul 2007
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More Rulings on Working In (or FOR) Banks - from alifta.com
Ruling on working for someone who deals in usury
Fatwa no. 1195
Q: I am a student in one of the evening classes in a commercial high school and I need to learn colloquial English. I cannot go to the regular morning schools for I have to earn my living. I want to work at the Bank of England as this will help me practice the English language and at the same time I will get paid. I have been told that working at a bank is Haram (prohibited), will I be a sinner if I work at this bank?
A: It is not permissible for the questioner to work at any usurious bank that deals with Riba (Usury) as by doing this he will be helping the bank deal with Riba and this is prohibited. It has been authentically reported in Sahih Muslim that The Prophet (peace be upon him) cursed the one who consumes (takes) Riba, the one who pays it, the one who records it, and the two who witness it. He (peace be upon him) said, "They are all equal [in sin]." Therefore, it is not permissible for you to work at a usurious bank, just because you want to learn the English language. May Allah grant us success! May peace and blessings be upon our Prophet Muhammad, his family and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Mani'
Member - 'Abdullah ibn Ghudayyan
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[url=http://www.alifta.org/Search/ResultDetails.aspx?lang=en&view=result&fatwaNum=&FatwaNumID=&ID=5463&searchScope=7&SearchScopeLevels1=&SearchScopeLevels2=&highLight=1&SearchType=exact&SearchMoesar=false&bookID=&LeftVal=0&RightVal=0&simple=&SearchCriteria=allwords&PagePath=&siteSection=1&searchkeyword=working%20bANK#firstKeyWordFound]Ruling on working for someone who deals in usury[/url]
Fatwa no. 13674
Q: What is the ruling on working as a maintenance engineer for a company that deals with Riba (usury/ interest) - based banks, as the company sells appliances (computers, photocopying machines, telephone sets) to the bank, and assigns us as maintenance engineers to go there to maintain these appliances on a regular basis. Is this job Haram (prohibited) on the basis that the bank works out its accounts and organizes its business using these appliances? As we maintain these appliances are we guilty of helping the company to sin? May Allah guide you to all that achieves His consent.
A: It is impermissible to work for companies that are operating in the way you described, for this includes cooperation in sin and transgression. May Allah grant us success! May peace and blessings be upon our Prophet Muhammad, his family, and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Ghudayyan
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[url=http://www.alifta.org/Search/ResultDetails.aspx?lang=en&view=result&fatwaNum=&FatwaNumID=&ID=5463&searchScope=7&SearchScopeLevels1=&SearchScopeLevels2=&highLight=1&SearchType=exact&SearchMoesar=false&bookID=&LeftVal=0&RightVal=0&simple=&SearchCriteria=allwords&PagePath=&siteSection=1&searchkeyword=working%20bANK#firstKeyWordFound]Ruling on working for someone who deals in usury[/url]
The fifth question of Fatwa no. 7168
Q 5: What is the ruling on working for an organization or company that deposits and withdraws from bank accounts and takes Riba (usury/interest)-bearing loans from banks?
A: It is not permissible to work for such a company, because it involves cooperation in the Haram (prohibited) things. Allah (Exalted be He) says:
وَلاَ تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ
{but do not help one another in sin and transgression.}Surah Al-Ma'idah, 5: 2
May Allah grant us success! May peace and blessings be upon our Prophet Muhammad, his family, and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify |
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[url=http://www.alifta.org/Search/ResultDetails.aspx?lang=en&view=result&fatwaNum=&FatwaNumID=&ID=5487&searchScope=7&SearchScopeLevels1=&SearchScopeLevels2=&highLight=1&SearchType=exact&SearchMoesar=false&bookID=&LeftVal=0&RightVal=0&simple=&SearchCriteria=allwords&PagePath=&siteSection=1&searchkeyword=working%20bANK#firstKeyWordFound]Ruling on working in banks[/url]
The first question of Fatwa no. 5317
Q: a. is working in banks, especially in Muslim countries, Halal (lawful) or Haram (prohibited)?
b. Is it true what people say that it is Halal to work in certain bank departments, and which are they, if this is true?
c. If Zakah (obligatory charity), Hajj, 'Umrah (lesser pilgrimage), and charitable projects are paid for from salaries paid to bank employees are they unacceptable and not rewarded by Allah?
d. What is the best way to earn a Halal livelihood, given that the suspicion of Riba (usury/interest) is cast on most jobs now?
e. What is your opinion about the modern Islamic banks; are their practices any different from other banks?
A: First: Working in Riba-based banks is Haram, whether they are in an Islamic or a non-Islamic country, as this is cooperating in the sin and transgression that Allah forbade in His Saying
وَتَعَاوَنُوا عَلَى الْبِرِّ وَالتَّقْوَىٰ وَلاَ تَعَاوَنُوا عَلَى الْإِثْمِ وَالْعُدْوَانِ
Help you one another in Al-Birr and At-Taqwý (virtue, righteousness and piety); but do not help one another in sin and transgression.}Surah Al-Ma'idah, 5: 2
Second: There are no departments in Riba-based banks that are excepted from the ruling, as far as we know from the sanctified Shariýah, because all the bank staff are involved in cooperating in the sin and transgression.
Third: Hajj and other acts of worship offered by bank staff are valid if they are performed in the manner prescribed by the Shari'ah (Islamic law), but the people are sinful for working in such a bank and for making use of these earnings, except for what they earned before knowing the legal ruling. They have to perform Tawbah (repentance to Allah) for this.
Fourth: You will have to search for Mubah (permissible) ways of earning an income, and these are numerous - all praise be to Allah.
Fifth: As to the modern Islamic banks you refer to, we do not have enough information about the way they conduct their transactions. May Allah grant us success! May peace and blessings be upon our Prophet Muhammad, his family, and Companions!
Permanent Committee for Scholarly Research and Ifta'
Chairman - 'Abdul-'Aziz ibn 'Abdullah ibn Baz
Deputy Chairman - 'Abdul-Razzaq 'Afify
Member - 'Abdullah ibn Qu'ud
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14-10-2010 @ 1:57 PM
