taking loan for business from bank
Financial Transactions,Interest,taking loan for business from bank
Fatwa No : 5824
taking loan for business from bank
معاملات / مالی معاوضات / سود
taking loan for business from bank
Salam, Bank say loan lana kasa hay, jabkay bank loan danay par interest/izafi raqam lata hay, jokay ham bank ko datay han, nakay bank say latay han. Anpa Business karnay ka liya aj kal koi loan baghair interest/izafi raqam ka nahi deta asi sorat ma ham kasay koi karobar surooh kar saktay han agar hamay pas pasay no ho. JazakAllah,
الجوابُ حامِدا ًو مُصلیِّا ً
In the name of Allah, the Most Beneficent and the Most Merciful
If a person does not have capital to do business he is not allowed to do business after having obtained loans with interest as per the Shari’a, rather in such a situation he, instead of taking loans, may enter into a Mudharaba agreement, thus: he does business on money invested by a second person on a pre arranged condition of profit sharing. Or else he may find employment under someone and completely refrain from taking loans with interest.
Allah knows best.
مأخَذُ الفَتوی
کما فی صحیح مسلم: عَنْ جَابِرٍ، قَالَ: «لَعَنَ رَسُولُ اللهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ آكِلَ الرِّبَا، وَمُؤْكِلَهُ، وَكَاتِبَهُ، وَشَاهِدَيْهِ»، وَقَالَ: «هُمْ سَوَاءٌ»(3/1219 رقم الحدیث:1598)۔
و فی الدرالمختار: وفي الأشباه كل قرض جر نفعا حرام الخ (5/166)۔
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