What is the ruling on buying out a salary, where the Social Provisions Agency deducts a fixed monthly installment from the employee's salary until retirement age, and then it begins to...
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The questioner : Now, I mean, you are in Kuwait... it is the issue known as buying out the salary.
The Shaykh : Yes, that is right.
The questioner : ... the person has, we have an agency... a Social Insurance Agency for retirees, and as long as you are an employee of the state, it deducts a specific amount from your salary, ten or fifteen dinars, and it invests it, deducting from you every month until you reach retirement age. If you reach retirement age, it begins to spend on you, giving you a salary... the date of reaching retirement age, without working, you stay at home and it gives you. Is it permissible... someone said, meaning the materials they have, that it is permissible for one who has reached retirement age to, for example, sell, if he is entitled to it after retirement age, suppose it is three hundred dinars, I can sell it, one dinar for twenty dinars or two hundred dinars, every dinar I waive from the salary, they give me cash now, two hundred dinars for this. Is this permissible?
The Shaykh : Excuse me, you assumed that three hundred dinars were saved for him.
The questioner : We do not know how they invest it.
The Shaykh : No, you mentioned two thousand dinars.
The questioner : Ah, no, no, it is three hundred dinars, his salary after reaching retirement age, they spend on him... yes, that is right.
The Shaykh : His salary, okay.
The questioner : It is permissible for every person who has reached retirement age to waive one or two dinars.
The Shaykh : Wait for me, so his salary as a retiree is three hundred dinars, for example.
The questioner : Yes
The Shaykh : For example.
The questioner : Yes
The Shaykh : Okay, is this a state operation or a company?
The questioner : No, this is a state agency, belonging to the state.
The Shaykh : State.
The questioner : Yes
The Shaykh : Okay, the state.
Another questioner: ... O Shaykh, five hundred dinars, for example, if the retirement age... he sells part of the salary, fifty dinars, for example, they give him only two hundred and fifty dinars, and he sold fifty dinars, they give you... dinar, and it starts to come out to you fifteen thousand dinars. They did this on the basis that the employee benefits... the poor person or something, this amount can be traded in, he can trade or do something, meaning and thus it is not upon Allah, then upon this salary, that is their intention.
The Shaykh : I am not poor in mind regarding this financial issue, but you should have waited for me so I could understand it.
The questioner : Very well.
The Shaykh : Close it, close it, close it. Repeat the question?
The questioner : I recorded it.
The Shaykh : I will play it back from the tape.
The questioner : It is recorded, Shaykh.
The Shaykh : I know, I want to hear it so we can stop and start with the answer.
The questioner : Yes
The Shaykh : Or we record this transcription that we made earlier.
The questioner : ... .
"Replaying the recorded tape: They give him only two hundred and fifty dinars, and he sold fifty dinars, they give you... dinar, and it starts to come out to you fifteen thousand dinars. They did this on the basis that the employee benefits... the poor person or something, this amount can be traded in, he can trade or do something, meaning and thus it is not upon Allah, then upon this salary, that is their intention."
The Shaykh : I am not poor in mind regarding this financial issue, but you should have waited for me so I could understand it.
The questioner : Very well.
The Shaykh : Close it, close it, close it"
The questioner : This is from the beginning.
Another questioner: The question, Shaykh, is that there is an employee working in the state and he receives a salary during his work, and a specific amount is deducted from this salary. This amount is invested by the Social Insurance Agency, which is one of the state agencies. So when the man dies after reaching retirement age, the government spends on him a salary, which may be less than his salary...
The Shaykh : Yes
The questioner : And this salary continues to be paid to him, and it is the man's right to sell one dinar of his salary for two hundred dinars, which he receives in cash. For example, if his salary is three hundred dinars, he waives one dinar.
The Shaykh : Three hundred dinars in the case of...
The questioner : Retirement.
The Shaykh : Retirement, okay.
The questioner : So he waives two dinars, and his salary becomes two hundred and ninety-eight dinars, and he takes, for the two dinars he waived, two hundred dinars for each dinar, so he takes four hundred dinars in cash.
The Shaykh : From whom?
The questioner : From the government, from this agency.
The Shaykh : Meaning, if he waives it to the government.
The questioner : Yes, one dinar.
The Shaykh : Two dinars from the three hundred.
The questioner : Yes.
The Shaykh : He takes four hundred for the two dinars.
The questioner : Yes, is this permissible?
The Shaykh : Okay, is this specific to the state, or can another person outside the state do it?
The questioner : Even if it is another person, as long as he is committed to paying an installment to the government. Even a merchant can do this. Even a private merchant who owns a shop.
The Shaykh : Yes.
The questioner : He agrees with the agency that he will pay it a monthly installment.
Another questioner: ...
The questioner : Yes, even the merchant now, every employee, everyone on the face of the earth in Kuwait can... if he is a Kuwaiti, even if he is a merchant working in a private shop, he waives an installment such that when he reaches retirement age, the government spends on him.
The Shaykh : Is this waiver in the case of retirement or before retirement?
The questioner : No, if he is not an employee, a merchant.
The Shaykh : Employee, employee, the employee who has this retirement waives.
The questioner : Two dinars.
The Shaykh : Two dinars.
The questioner : After.
The Shaykh : In the case of retirement.
The questioner : In the case of retirement, yes.
The Shaykh : Yes, okay. Before answering this question, the thing is unreasonable, but the explanation is, as they say, "When the cause is revealed, the wonder ceases". How does the state pay four hundred dinars for two dinars? What is the reason for that?
The questioner : The reason for that may be that the government may consider that this man may die and, suppose, he has no descendants.
The Shaykh : No, assume he has descendants.
The questioner : Let us assume he has descendants.
The Shaykh : Yes, that is right.
The questioner : Because this man, Allah may decree that he dies one or two months after retirement, and people will reduce their salaries by a large percentage, even if he has descendants.
The Shaykh : How a large percentage? You said earlier a small percentage.
The questioner : No, in his death, in the case of his death.
The Shaykh : But may Allah bless you.
The questioner : Yes
The Shaykh : And I am the one who gave the example that the man died one day after his retirement.
The questioner : Yes
The Shaykh : You said his retirement salary transferred to his wife.
The questioner : It is not...
The Shaykh : I told you, do not rush me, I told you, is it the same? I said no, less than that. Now, what is the percentage of the reduction?
The questioner : ... .
The Shaykh : We must know.
The questioner : Okay... to half the amount.
The Shaykh : Half the amount.
The questioner : Half the amount.
The Shaykh : Okay, and if the wife dies, does the second half transfer to the heirs or is it reduced?
The questioner : No, what is it, O Shaykh, meaning.
The Shaykh : ... .
The questioner : It is estimated, it is estimated for each son, for example, twenty, if he is not a working employee. If he is an employee, he has no right to this salary of his father, or if his wife married, she has no right to the salary...
The Shaykh : Okay, let us assume the wife who inherited half the salary, okay, died and left children, all of them employees, all of them employees.
The questioner : The salary is cut off.
The Shaykh : Ah, so who does the salary remain for? The state?
The questioner : The state, yes, the state takes it.
The Shaykh : It is all a matter of gambling in gambling, so it is not permissible. Now we return to ask: the state buys the two dinars for four hundred dinars, why? Why did you say?
The questioner : For one of the reasons, to help this employee who left the job to invest in this amount, to what we said reaches fifteen dinars.
The Shaykh : Not... retirement salary, where is the help?
The questioner : ... there is none, in...
The Shaykh : He is now gone, this salary is gone, this is help for him.
The questioner : This is help, but... it is not enough for him, for example, especially in a country like Kuwait, high prices, high prices. They want to invest... the state also benefits because the return will return to the state. These fifteen will return. They want us to, of course, he will take his salary, but it is less. They set it for him at three hundred dinars, it will be approximately two hundred and fifty dinars. Fifty dinars, he bought with it, for example, the fifteen dinars that he worked with in the market.
Another questioner: ... presented later.
The questioner : If... in a case that may be similar to it, they give them government houses now for Kuwaitis, for example, so if the husband dies, the installment is dropped from him. Of course, they give them in installments, so the installment is dropped from him... yourself, meaning, but of course we say, meaning the state's main concern is not.
The Shaykh : Profit.
The questioner : Profit, but they help him...
The Shaykh : You are tearing it up, may Allah bless you, the other picture.
The questioner : Yes, Shaykh.
The Shaykh : The other image invalidates it. When the husband died, half of his salary transferred to his wife. When the wife died, this half transferred to the husband's children, provided they were not employed.
The questioner : Yes
The Shaykh : If they were employed, the salary, or half the salary, transferred to the state. And why do they not help these people? If the idea is the idea of assistance, this is what they told him: "Sell us two dinars of your salary, and we will give you four hundred dinars." You say, "What? This is assistance from the state for this man, even though he has a salary?" When I told you earlier, they gave him a salary so that he could sustain himself in his state of retirement. Fine, so why did they buy two dinars from him for four hundred dinars as extra assistance? It is beautiful talk, beautiful poetic talk, so why did they not help the children because they are employed? Here they help him while he is retired. Ah, and they inherited from him what they inherited of retirement money, so they transferred half the pension after his death to his wife. She died, and the remaining pension does not transfer to the heirs because they are employed. Where is the previous justification that they want to support the people? Please.
The questioner : ... the institution invests this ... .
The Shaykh : Of course, this is exposed to death.
The questioner : Yes, this...
The Shaykh : Of course, it is all gambling.
The questioner : ... .
The Shaykh : So, this work is not permissible in the first place; it is not permissible in the first place because it is defective in its origin, and whatever is built upon a defective foundation is defective.
Another questioner: ... the institution invests this...
The questioner : What, what is our position, because we are ... forced.
Another questioner: ...
The questioner : Leave it for later.
The Shaykh : Yes, that is right.
The questioner : ... the person has, we have an agency... a Social Insurance Agency for retirees, and as long as you are an employee of the state, it deducts a specific amount from your salary, ten or fifteen dinars, and it invests it, deducting from you every month until you reach retirement age. If you reach retirement age, it begins to spend on you, giving you a salary... the date of reaching retirement age, without working, you stay at home and it gives you. Is it permissible... someone said, meaning the materials they have, that it is permissible for one who has reached retirement age to, for example, sell, if he is entitled to it after retirement age, suppose it is three hundred dinars, I can sell it, one dinar for twenty dinars or two hundred dinars, every dinar I waive from the salary, they give me cash now, two hundred dinars for this. Is this permissible?
The Shaykh : Excuse me, you assumed that three hundred dinars were saved for him.
The questioner : We do not know how they invest it.
The Shaykh : No, you mentioned two thousand dinars.
The questioner : Ah, no, no, it is three hundred dinars, his salary after reaching retirement age, they spend on him... yes, that is right.
The Shaykh : His salary, okay.
The questioner : It is permissible for every person who has reached retirement age to waive one or two dinars.
The Shaykh : Wait for me, so his salary as a retiree is three hundred dinars, for example.
The questioner : Yes
The Shaykh : For example.
The questioner : Yes
The Shaykh : Okay, is this a state operation or a company?
The questioner : No, this is a state agency, belonging to the state.
The Shaykh : State.
The questioner : Yes
The Shaykh : Okay, the state.
Another questioner: ... O Shaykh, five hundred dinars, for example, if the retirement age... he sells part of the salary, fifty dinars, for example, they give him only two hundred and fifty dinars, and he sold fifty dinars, they give you... dinar, and it starts to come out to you fifteen thousand dinars. They did this on the basis that the employee benefits... the poor person or something, this amount can be traded in, he can trade or do something, meaning and thus it is not upon Allah, then upon this salary, that is their intention.
The Shaykh : I am not poor in mind regarding this financial issue, but you should have waited for me so I could understand it.
The questioner : Very well.
The Shaykh : Close it, close it, close it. Repeat the question?
The questioner : I recorded it.
The Shaykh : I will play it back from the tape.
The questioner : It is recorded, Shaykh.
The Shaykh : I know, I want to hear it so we can stop and start with the answer.
The questioner : Yes
The Shaykh : Or we record this transcription that we made earlier.
The questioner : ... .
"Replaying the recorded tape: They give him only two hundred and fifty dinars, and he sold fifty dinars, they give you... dinar, and it starts to come out to you fifteen thousand dinars. They did this on the basis that the employee benefits... the poor person or something, this amount can be traded in, he can trade or do something, meaning and thus it is not upon Allah, then upon this salary, that is their intention."
The Shaykh : I am not poor in mind regarding this financial issue, but you should have waited for me so I could understand it.
The questioner : Very well.
The Shaykh : Close it, close it, close it"
The questioner : This is from the beginning.
Another questioner: The question, Shaykh, is that there is an employee working in the state and he receives a salary during his work, and a specific amount is deducted from this salary. This amount is invested by the Social Insurance Agency, which is one of the state agencies. So when the man dies after reaching retirement age, the government spends on him a salary, which may be less than his salary...
The Shaykh : Yes
The questioner : And this salary continues to be paid to him, and it is the man's right to sell one dinar of his salary for two hundred dinars, which he receives in cash. For example, if his salary is three hundred dinars, he waives one dinar.
The Shaykh : Three hundred dinars in the case of...
The questioner : Retirement.
The Shaykh : Retirement, okay.
The questioner : So he waives two dinars, and his salary becomes two hundred and ninety-eight dinars, and he takes, for the two dinars he waived, two hundred dinars for each dinar, so he takes four hundred dinars in cash.
The Shaykh : From whom?
The questioner : From the government, from this agency.
The Shaykh : Meaning, if he waives it to the government.
The questioner : Yes, one dinar.
The Shaykh : Two dinars from the three hundred.
The questioner : Yes.
The Shaykh : He takes four hundred for the two dinars.
The questioner : Yes, is this permissible?
The Shaykh : Okay, is this specific to the state, or can another person outside the state do it?
The questioner : Even if it is another person, as long as he is committed to paying an installment to the government. Even a merchant can do this. Even a private merchant who owns a shop.
The Shaykh : Yes.
The questioner : He agrees with the agency that he will pay it a monthly installment.
Another questioner: ...
The questioner : Yes, even the merchant now, every employee, everyone on the face of the earth in Kuwait can... if he is a Kuwaiti, even if he is a merchant working in a private shop, he waives an installment such that when he reaches retirement age, the government spends on him.
The Shaykh : Is this waiver in the case of retirement or before retirement?
The questioner : No, if he is not an employee, a merchant.
The Shaykh : Employee, employee, the employee who has this retirement waives.
The questioner : Two dinars.
The Shaykh : Two dinars.
The questioner : After.
The Shaykh : In the case of retirement.
The questioner : In the case of retirement, yes.
The Shaykh : Yes, okay. Before answering this question, the thing is unreasonable, but the explanation is, as they say, "When the cause is revealed, the wonder ceases". How does the state pay four hundred dinars for two dinars? What is the reason for that?
The questioner : The reason for that may be that the government may consider that this man may die and, suppose, he has no descendants.
The Shaykh : No, assume he has descendants.
The questioner : Let us assume he has descendants.
The Shaykh : Yes, that is right.
The questioner : Because this man, Allah may decree that he dies one or two months after retirement, and people will reduce their salaries by a large percentage, even if he has descendants.
The Shaykh : How a large percentage? You said earlier a small percentage.
The questioner : No, in his death, in the case of his death.
The Shaykh : But may Allah bless you.
The questioner : Yes
The Shaykh : And I am the one who gave the example that the man died one day after his retirement.
The questioner : Yes
The Shaykh : You said his retirement salary transferred to his wife.
The questioner : It is not...
The Shaykh : I told you, do not rush me, I told you, is it the same? I said no, less than that. Now, what is the percentage of the reduction?
The questioner : ... .
The Shaykh : We must know.
The questioner : Okay... to half the amount.
The Shaykh : Half the amount.
The questioner : Half the amount.
The Shaykh : Okay, and if the wife dies, does the second half transfer to the heirs or is it reduced?
The questioner : No, what is it, O Shaykh, meaning.
The Shaykh : ... .
The questioner : It is estimated, it is estimated for each son, for example, twenty, if he is not a working employee. If he is an employee, he has no right to this salary of his father, or if his wife married, she has no right to the salary...
The Shaykh : Okay, let us assume the wife who inherited half the salary, okay, died and left children, all of them employees, all of them employees.
The questioner : The salary is cut off.
The Shaykh : Ah, so who does the salary remain for? The state?
The questioner : The state, yes, the state takes it.
The Shaykh : It is all a matter of gambling in gambling, so it is not permissible. Now we return to ask: the state buys the two dinars for four hundred dinars, why? Why did you say?
The questioner : For one of the reasons, to help this employee who left the job to invest in this amount, to what we said reaches fifteen dinars.
The Shaykh : Not... retirement salary, where is the help?
The questioner : ... there is none, in...
The Shaykh : He is now gone, this salary is gone, this is help for him.
The questioner : This is help, but... it is not enough for him, for example, especially in a country like Kuwait, high prices, high prices. They want to invest... the state also benefits because the return will return to the state. These fifteen will return. They want us to, of course, he will take his salary, but it is less. They set it for him at three hundred dinars, it will be approximately two hundred and fifty dinars. Fifty dinars, he bought with it, for example, the fifteen dinars that he worked with in the market.
Another questioner: ... presented later.
The questioner : If... in a case that may be similar to it, they give them government houses now for Kuwaitis, for example, so if the husband dies, the installment is dropped from him. Of course, they give them in installments, so the installment is dropped from him... yourself, meaning, but of course we say, meaning the state's main concern is not.
The Shaykh : Profit.
The questioner : Profit, but they help him...
The Shaykh : You are tearing it up, may Allah bless you, the other picture.
The questioner : Yes, Shaykh.
The Shaykh : The other image invalidates it. When the husband died, half of his salary transferred to his wife. When the wife died, this half transferred to the husband's children, provided they were not employed.
The questioner : Yes
The Shaykh : If they were employed, the salary, or half the salary, transferred to the state. And why do they not help these people? If the idea is the idea of assistance, this is what they told him: "Sell us two dinars of your salary, and we will give you four hundred dinars." You say, "What? This is assistance from the state for this man, even though he has a salary?" When I told you earlier, they gave him a salary so that he could sustain himself in his state of retirement. Fine, so why did they buy two dinars from him for four hundred dinars as extra assistance? It is beautiful talk, beautiful poetic talk, so why did they not help the children because they are employed? Here they help him while he is retired. Ah, and they inherited from him what they inherited of retirement money, so they transferred half the pension after his death to his wife. She died, and the remaining pension does not transfer to the heirs because they are employed. Where is the previous justification that they want to support the people? Please.
The questioner : ... the institution invests this ... .
The Shaykh : Of course, this is exposed to death.
The questioner : Yes, this...
The Shaykh : Of course, it is all gambling.
The questioner : ... .
The Shaykh : So, this work is not permissible in the first place; it is not permissible in the first place because it is defective in its origin, and whatever is built upon a defective foundation is defective.
Another questioner: ... the institution invests this...
The questioner : What, what is our position, because we are ... forced.
Another questioner: ...
The questioner : Leave it for later.