Fatwa: # 43409
Category: Business Matters
Country: African Country
Date: 8th October 2019

Title

Interest money for bank charges

Question

as salaamualaikum

recently I discovered that

in a lawyers practice

there are three accounts

business account-this is used for daily running of the practice

trust account-this is used to hold clients’ money

charges account-interest from the trust is paid her

the bank charges for the business and trust accounts are paid from the charges interest

is this permissible?

Answer

In the Name of Allah, the Most Gracious, the Most Merciful.

As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.

In principle, one should return the interest money received to its owner. However, if that is not possible, then interest money must be given to the poor and needy without the intention of reward.[1]

In the enquired scenario, the bank charges are a legitimate charge. One cannot use interest money for one’s personal expenses. Therefore, it is not permissible to use interest money to pay for the business and trust account charges.[2]

And Allah Ta’āla Knows Best

Ahmed-Ur-Rahmaan ibn Mufti Mohammed Patel (Rahimahullah)

Student Darul Iftaa

Azaadville, South Africa

Checked and Approved by,
Mufti Ebrahim Desai.

 


[1] الفتاوى الهندية  (349  (5/

 والسبيل في المعاصي ردها وذلك هاهنا برد المأخوذ إن تمكن من رده بأن عرف صاحبه

 

تبيين الحقائق شرح كنز الدقائق وحاشية الشلبي (6/ 27)

 ويردونها على أربابها إن عرفوهم، وإلا تصدقوا بها؛ لأن سبيل الكسب الخبيث التصدق إذا تعذر الرد على صاحبه

 

الدر المختار وحاشية ابن عابدين (رد المحتار   (5/ 235) (

مطلب إذا اكتسب حراما ثم اشترى فهو على خمسة أوجه

(قوله اكتسب حراما إلخ) توضيح المسألة ما في التتارخانية حيث قال: رجل اكتسب مالا من حرام ثم اشترى فهذا على خمسة أوجه: أما إن دفع تلك الدراهم إلى البائع أولا ثم اشترى منه بها أو اشترى قبل الدفع بها ودفعها  ...   وقال الكرخي: في الوجه الأول والثاني لا يطيب، وفي الثلاث الأخيرة يطيب، وقال أبو بكر: لا يطيب في الكل، لكن الفتوى الآن على قول الكرخي دفعا للحرج عن الناس اهـ. وفي الولوالجية: وقال بعضهم: لا يطيب في الوجوه كلها وهو المختار، ولكن الفتوى اليوم على قول الكرخي دفعا للحرج لكثرة الحرام اهـ

 

 الدر المختار وحاشية ابن عابدين (رد المحتار)  (5/ 99)

والحاصل أنه إن علم أرباب الأموال وجب رده عليهم، وإلا فإن علم عين الحرام لا يحل له ويتصدق به بنية صاحبه

 

[2] نظام الفتاوى (ج1 ص518)

 

فتاوى عثمانى (ج3 ص 267-276)

 

 

 

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