Work & Investment
General Rules
- It is not permissible for a Muslim to debase himself in front
of any human being be they Muslim or non-Muslim. So, if the work, that a Muslim
does, debases him in from of a non-Muslim, it is not permissible for him to
engage in that debasing work.
- A Muslim is allowed to serve meat of an animal that was not slaughtered
according to Islamic laws to those who consider it lawful like Christians,
Jews, and others. Similarly, it is permissible for him to work in preparing
and cooking that meat. The money that he receives in return for that work
can be legitimized by the rule of tanãzul (withdrawing your
exclusive right from that meat).
- It is not permissible for a Muslim to sell pork to those who believe
it is lawful for them among the Christians and others. Based on obligatory
precaution, one should not even serve that meat to them. (See the question-answer
section below.)
- A Muslim is not allowed to serve intoxicating drinks to anyone at
all, even to those who believe it is lawful to them. He is not [even] allowed
to wash the dishes or give them to others, if that washing and giving is part
of the drinking of intoxicants.
- A Muslim is not allowed to hire himself out for selling or serving intoxicanting
drinks or for washing the dishes for that purpose, just as it is not allowed
for him to take the wages for this work, as it is unlawful. As for the “extreme
need” justification used by some people for this kind of work, it is an unacceptable
justification. Almighty Allãh says, “And whosoever is careful of
(his duty towards) Allãh, He will make for him an outlet; and give
him in sustenance from whence he thinks not. And whosoever trusts in Allãh,
He is sufficient for him…” (65:3) He also said, “Surely those whom
the angels cause to die while they are unjust to their souls, they shall say,
‘In what state were you?’ They shall answer, ‘We were weak in the earth.’
They shall say, ‘Was not Allãh’s earth spacious so that you should
have migrated therein?’ So, these it is whose abode is hell, and it is an
evil resort except the weak from among the men and the children who have not
in their power the means nor can they find a way (to escape).” (4:97-98)
In his sermon of the last pilgrimage, Prophet Muhammad (s.a.w.) said, “Know
that the Trustworthy Soul (Jibra’il) has inspired in my mind that no soul
shall die until its sustenance is completed. Therefore, fear Allãh
and work hard in seeking [the sustenance]; and let not the delay in getting
your share of the sustenance compel you to seek it through disobeying Allãh
for the Blessed and Almighty Allãh has divided the sustenance among
His creation by lawful means and not through unlawful means. So, whosoever
fears Allãh and has patience, Allãh will provide them sustenance
from lawful [means]; but whosoever tears apart the curtain of propriety, makes
haste and acquire their portion from unlawful [means], it will be taken off
from their lawful sustenance and they will be held accountable for it on the
Day of Resurrection."*
(See the question-answer section below.)
- It is not permissible to work in places of entertainment and other similar
places of debauchery if that work would cause one to drift towards unlawful
acts. (See the question-answer section below.)
- It is permissible for Muslims to participate as partners with non-Muslims
(like Christians and Jews for example) in various kinds of businesses considered
lawful in Islamic laws like selling, buying, export, import, building contracts,
etc.
- It is permissible to deposit [money] in non-Muslim (private or state-owned)
banks.
- If a Muslim intends to get a loan from such banks, it is necessary
that he should do so with the intention that it is a transaction without return,
even if he knows that he will end up paying the capital as well as the interest.
And he should not do so with the intention of getting the loan with the condition
of [paying] interest.
- It is permissible for a Muslim to authorise another person to use his name
(and his credit) to buy shares, in return for an amount (in money or commodity)
on which both have reached an agreement.
- It is not permissible for a Muslim to buy products of the countries that
are in a state of war with Islam and Muslims, for example, Israel. (See the
question-answer section below.)
- A Muslim is allowed to exchange the currency with some other currency
at the market price, or at a lower or higher rate, irrespective of the fact
that the exchange is of an immediate or a deferred nature.
- It is forbidden to use bank-notes that are counterfeit or have no
value at all—the money that is used by a fraudester when he pays the worker
who is unaware of its forgery or worthlessness. The business deal conducted
with this kind of money is not valid.
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- It is not permissible for a Muslim to buy tickets of chance
(including lottery), if he buys them with the intention of luckily
winning the prize.
- It is permissible for him to buy the lottery tickets if he buys it
with the intention of participating in a charitable cause that is accepted
Islamically like building hospitals, orphanages, etc., but not with the
intention of winning the prize. However, this hypothetical situation is
extremely difficulty to occur in non-Muslim countries that consider certain
activities that are forbidden in Islam to be of a charitable nature according
to their own understanding.
In both the cases [of “a” and “b” if a Muslim wins the lottery], it is permissible
to receive the prize from a non-Muslim [person or company]. (See the question-answer
section below.)
- It is permissible to sell wild animals whose meat is forbidden like tiger,
hyena, fox, elephant, lion, bear, and other similar animals like cat and whale
if there is any legitimate benefit which makes them valuable in the market
(even if in view of only some experts of that field). Non-hunting dogs and
pigs are exempt from this rule. (See the question-answer section below.)
- It is permissible to sell and buy gold and silver utensils for the
purpose of decoration; however, it is forbidden to use them for eating and
drinking.
- No khums is levied on the salary paid by a government in a Muslim
country directly into the bank account of its employee, even if it is more
than his annual expenses—as long as he does not receive it in his hands. (See
the question-answer no. 260 section below.)
* Al-Hurr al-'Amili, Wasa'ulu 'sh-Shi'a,
vol. 17, p. 44.