What is the ruling on coupons? (Questions on the rulings of currency exchange)
Machine translationRead the Arabic original
The questioner : What is the ruling on selling coupons?
The Shaykh : Cards for less than their face value; what do you say about selling them for less than their face value?
The questioner : Yes. I mean, regarding the operative cause, my Shaykh, in the case of selling for less than the face value?
The Shaykh : Riba (usury or interest).
The questioner : Well, what if he sells them at their face value?
The Shaykh : There is no obstacle.
Another questioner: Well, Shaykh, if the intention, may Allah preserve you, is from the issue of ... .
Another questioner: Peace be upon you.
The audience: Peace be upon you, and Allah’s mercy and blessings.
Another questioner: The issue is a regulatory process regarding the state’s affairs, such that if it were known, it would not permit, for example,
The Shaykh : You are making an observation
Another questioner: Yes.
The Shaykh : On the first answer? Or the second?
Another questioner: On the second.
Another questioner: On the second.
The Shaykh : I do not think so.
Another questioner: Why?
The Shaykh : Because he is making a correction. And there is no room for correction in the second one.
The questioner : Excuse me, Shaykh, yes, on the first one. I mean the first one, which is the non-...
The Shaykh : It is not you, my brother, may Allah guide you. I gave two answers. First, I asked and answered you that it is not permissible. Then I asked about the interest rate without addition, but at the same price, so what did I answer you?
The questioner : With permissibility.
The Shaykh : Well. Now, which of the two answers is his comment on?
Another questioner: The permissibility, Shaykh.
The Shaykh : About the permissibility?
Another questioner: Yes.
The Shaykh : You mean it is not permissible, you want to say?
Another questioner: I want to elaborate on this matter from you. Yes, yes.
The Shaykh : I mean, you may also see that it is not permissible?
Another questioner: Yes.
The Shaykh : Well. Please, the important thing is that our brother Abu Abd al-Rahman agreed with me on the first aspect, so we are at ease, but he has a viewpoint on the other aspect; he may see that it is attached to the first one. Let us listen to him.
I am giving you my opinion; I am reserved, I tell you, you may see. And I say for myself, I may see, because this "may" is known for another, and you may not see, so it does not concern you.
Another questioner: Yes.
The Shaykh : Very well.
Another questioner: May Allah preserve you, O Shaykh, we have learned from you in many ...
The Shaykh : Well, let me put you at ease.
Another questioner: May Allah put your mind at ease.
The Shaykh : What do you think of this card? You gave it to me.
Another questioner: Yes.
The Shaykh : For free.
Another questioner: Permissible.
The Shaykh : Permissible? But in money, it is not permissible?
Another questioner: It is not permissible.
The Shaykh : It is not permissible. Bring it so we can see ... .
Another questioner: Because, I mean, we have learned from you, our Shaykh, may Allah preserve you, the issue of the one in authority in this matter, that he permits or does not permit?
The Shaykh : Yes, exactly.
Another questioner: So the issue is a regulatory process for people’s needs regarding their estimation.
The Shaykh : If you put your mind at ease that giving is not permissible, if you want to hold onto this operative cause, do not distinguish between the two matters.
Another questioner: Yes.
The Shaykh : Is that okay?
Another questioner: Okay.
The Shaykh : Fine.
Another questioner: But there may be a condition with me, if you please.
The Shaykh : Bring it so we can see. I am doing this to save you the trip, meaning
Another questioner: May Allah reward you with good.
The Shaykh : Bring it so we can see.
Another questioner: If it is, yes, it will be, an argument against us, we will not mention it, of course, we want the benefit.
In my estimation, I mean, I am consulting you on the matter: if I feel that you are in need of this thing and their estimation is incorrect, I give it to you.
The Shaykh : And their estimation is incorrect?
Another questioner: Yes, exactly.
The Shaykh : Well, does this justify violating the system? The estimation returns to disrupting the system.
Another questioner: Yes, if we withdraw it, our Shaykh, if it is
The Shaykh : Fine.
The questioner : My Shaykh, may Allah preserve you.
The Shaykh : Now we have reached the point that since the one in authority intended to solve a problem by this, it is not permissible to sell at the price of the card, nor to give it as a gift. Good.
We stand with you at this point and say the matter is so, if what happens does not happen in the opinion of the one who established the system. And here I end.
Another questioner: In my opinion, O Shaykh ... I did not hear this phrase, the last phrase.
The Shaykh : I say, if what happens of giving and buying at the same price, when it happens, happens without the knowledge and permission of the one in authority.
Another questioner: Yes.
The Shaykh : But if the one in authority who established this system knows that this is dealt with in these two ways, I think in that case the matter becomes permissible, otherwise it is not permissible.
Another questioner: May Allah reward you with good, our Shaykh.
The Shaykh : What do you think?
Another questioner: A good thing, may Allah reward you with good, I even learned this speech from you, the principle of the ...
The Shaykh : May Allah reward you with good
Another questioner: It is good, well.
The Shaykh : Very well.
Another questioner: Now my question, our Shaykh, if hypothetically we returned to the one in authority and they said, for example, we permit this thing and did not permit the other thing, for example, they permitted the gift.
The Shaykh : The answer is known.
Another questioner: Known.
The Shaykh : Of course, what they do not permit, they have no right to what they do not permit.
The questioner : May Allah reward you with good.
The Shaykh : And beware, well.
The questioner : My Shaykh, may Allah bless you.
The Shaykh : We listen to al-Khatib.
The questioner : May Allah preserve you and bless you, my Shaykh, if you permit, I want to return to the origin of the matter,
The Shaykh : Yes.
The questioner : which is selling for less than the price.
The Shaykh : Yes.
The questioner : The non-permissibility of this is from which door, O Shaykh?
The Shaykh : From the door of buying the lira or the dinar for ninety qirsh, riba (usury or interest), open riba (usury or interest), and the matter is clear. I do not know what the motive for the question is?
The questioner : May Allah bless you, I mean, after this clarification, I mean by mentioning the dinar, it has become clear, if Allah wills.
Another questioner: And does it also apply to what one does not own, likewise?
The Shaykh : Yes.
The questioner : If now we wish to inquire from the one in authority in one way or another, do they know, and after they know, do they permit?
The Shaykh : Yes, exactly.
The questioner : So if they do not permit, it remains that it is not permissible.
The Shaykh : ... .
The questioner : Yes, and regarding the issue of the gift, I think, my Shaykh, this is as if, and Allah knows best ... .
The Shaykh : A necessity.
The questioner : A necessity. They will permit it.
The Shaykh : Yes, exactly.
The questioner : Yes, may Allah reward you with good.
The Shaykh : Cards for less than their face value; what do you say about selling them for less than their face value?
The questioner : Yes. I mean, regarding the operative cause, my Shaykh, in the case of selling for less than the face value?
The Shaykh : Riba (usury or interest).
The questioner : Well, what if he sells them at their face value?
The Shaykh : There is no obstacle.
Another questioner: Well, Shaykh, if the intention, may Allah preserve you, is from the issue of ... .
Another questioner: Peace be upon you.
The audience: Peace be upon you, and Allah’s mercy and blessings.
Another questioner: The issue is a regulatory process regarding the state’s affairs, such that if it were known, it would not permit, for example,
The Shaykh : You are making an observation
Another questioner: Yes.
The Shaykh : On the first answer? Or the second?
Another questioner: On the second.
Another questioner: On the second.
The Shaykh : I do not think so.
Another questioner: Why?
The Shaykh : Because he is making a correction. And there is no room for correction in the second one.
The questioner : Excuse me, Shaykh, yes, on the first one. I mean the first one, which is the non-...
The Shaykh : It is not you, my brother, may Allah guide you. I gave two answers. First, I asked and answered you that it is not permissible. Then I asked about the interest rate without addition, but at the same price, so what did I answer you?
The questioner : With permissibility.
The Shaykh : Well. Now, which of the two answers is his comment on?
Another questioner: The permissibility, Shaykh.
The Shaykh : About the permissibility?
Another questioner: Yes.
The Shaykh : You mean it is not permissible, you want to say?
Another questioner: I want to elaborate on this matter from you. Yes, yes.
The Shaykh : I mean, you may also see that it is not permissible?
Another questioner: Yes.
The Shaykh : Well. Please, the important thing is that our brother Abu Abd al-Rahman agreed with me on the first aspect, so we are at ease, but he has a viewpoint on the other aspect; he may see that it is attached to the first one. Let us listen to him.
I am giving you my opinion; I am reserved, I tell you, you may see. And I say for myself, I may see, because this "may" is known for another, and you may not see, so it does not concern you.
Another questioner: Yes.
The Shaykh : Very well.
Another questioner: May Allah preserve you, O Shaykh, we have learned from you in many ...
The Shaykh : Well, let me put you at ease.
Another questioner: May Allah put your mind at ease.
The Shaykh : What do you think of this card? You gave it to me.
Another questioner: Yes.
The Shaykh : For free.
Another questioner: Permissible.
The Shaykh : Permissible? But in money, it is not permissible?
Another questioner: It is not permissible.
The Shaykh : It is not permissible. Bring it so we can see ... .
Another questioner: Because, I mean, we have learned from you, our Shaykh, may Allah preserve you, the issue of the one in authority in this matter, that he permits or does not permit?
The Shaykh : Yes, exactly.
Another questioner: So the issue is a regulatory process for people’s needs regarding their estimation.
The Shaykh : If you put your mind at ease that giving is not permissible, if you want to hold onto this operative cause, do not distinguish between the two matters.
Another questioner: Yes.
The Shaykh : Is that okay?
Another questioner: Okay.
The Shaykh : Fine.
Another questioner: But there may be a condition with me, if you please.
The Shaykh : Bring it so we can see. I am doing this to save you the trip, meaning
Another questioner: May Allah reward you with good.
The Shaykh : Bring it so we can see.
Another questioner: If it is, yes, it will be, an argument against us, we will not mention it, of course, we want the benefit.
In my estimation, I mean, I am consulting you on the matter: if I feel that you are in need of this thing and their estimation is incorrect, I give it to you.
The Shaykh : And their estimation is incorrect?
Another questioner: Yes, exactly.
The Shaykh : Well, does this justify violating the system? The estimation returns to disrupting the system.
Another questioner: Yes, if we withdraw it, our Shaykh, if it is
The Shaykh : Fine.
The questioner : My Shaykh, may Allah preserve you.
The Shaykh : Now we have reached the point that since the one in authority intended to solve a problem by this, it is not permissible to sell at the price of the card, nor to give it as a gift. Good.
We stand with you at this point and say the matter is so, if what happens does not happen in the opinion of the one who established the system. And here I end.
Another questioner: In my opinion, O Shaykh ... I did not hear this phrase, the last phrase.
The Shaykh : I say, if what happens of giving and buying at the same price, when it happens, happens without the knowledge and permission of the one in authority.
Another questioner: Yes.
The Shaykh : But if the one in authority who established this system knows that this is dealt with in these two ways, I think in that case the matter becomes permissible, otherwise it is not permissible.
Another questioner: May Allah reward you with good, our Shaykh.
The Shaykh : What do you think?
Another questioner: A good thing, may Allah reward you with good, I even learned this speech from you, the principle of the ...
The Shaykh : May Allah reward you with good
Another questioner: It is good, well.
The Shaykh : Very well.
Another questioner: Now my question, our Shaykh, if hypothetically we returned to the one in authority and they said, for example, we permit this thing and did not permit the other thing, for example, they permitted the gift.
The Shaykh : The answer is known.
Another questioner: Known.
The Shaykh : Of course, what they do not permit, they have no right to what they do not permit.
The questioner : May Allah reward you with good.
The Shaykh : And beware, well.
The questioner : My Shaykh, may Allah bless you.
The Shaykh : We listen to al-Khatib.
The questioner : May Allah preserve you and bless you, my Shaykh, if you permit, I want to return to the origin of the matter,
The Shaykh : Yes.
The questioner : which is selling for less than the price.
The Shaykh : Yes.
The questioner : The non-permissibility of this is from which door, O Shaykh?
The Shaykh : From the door of buying the lira or the dinar for ninety qirsh, riba (usury or interest), open riba (usury or interest), and the matter is clear. I do not know what the motive for the question is?
The questioner : May Allah bless you, I mean, after this clarification, I mean by mentioning the dinar, it has become clear, if Allah wills.
Another questioner: And does it also apply to what one does not own, likewise?
The Shaykh : Yes.
The questioner : If now we wish to inquire from the one in authority in one way or another, do they know, and after they know, do they permit?
The Shaykh : Yes, exactly.
The questioner : So if they do not permit, it remains that it is not permissible.
The Shaykh : ... .
The questioner : Yes, and regarding the issue of the gift, I think, my Shaykh, this is as if, and Allah knows best ... .
The Shaykh : A necessity.
The questioner : A necessity. They will permit it.
The Shaykh : Yes, exactly.
The questioner : Yes, may Allah reward you with good.