India me Insurance(Health,Life,Vehicle etc.) and Fix Deposit(FD) ko Islamic shariyat kaise direction karti hai? Zakaat aur Khums me kya farq hai? Waldain ki wirasat me beti ka kya haq hai khas karke uski shadi ho jane ke baad?

Sawaal az : .....

As-salamo alaikum huzoor
Kaise hain ?

Mera sawal hai :
India me Insurance (health, life, vehicle etc) and fix deposit (FD) ko Islamic shariyat kaise direction karti hai ? hamare marja-e-deen kya kehte hain is silsile me ?
Aytuallah Khamenei ka kya kehna hai tehziul masail me ?

Apke jawab ka intezar rahega.
Iltemaase dua

Mera ek dosra sawal hai :
Zakaat aur khums me kya farq hai ? kya ye dono ek hi hai ? hamare masoomeen (a.s) ne Rasoole Mursal (PBUH) ke zariye kya taleem di hai is silsile me ?

Mera ek aur sawal hai :
Waldain ki wirasat me beti ka kya haq hai khas kar ke uski shadi ho jane ke baad ?hamare Quran paak me is silsile me kya kaha gaya hai ? hamari shariyat kya kehti hai ? Masoomeen (a.s) ne is silsile me kya taleem di hai ? hamare marja-e-deen ne is silsile me kya kaha hai ?

Iltemaase dua...
Agar mera naam aur phone no. share karna zaroori nahi hai to dekh lenge plz.

Jawaab :

باسمه تعالى
عليكم السلام و رحمةالله و بركاته
الحمدلله

1. Fix deposit aur bima karaana shar'an jaa'aez hai, ba'sharte ke mo'aahede wa qaraar daad (contract - agreement) ke motaabiq aamal kiya jaa'ae



is liae ke bima fariqaiyn (bima company aur bima karne waale) ke darmeyaan aek mo'aahede ka naam hai, lehaaza jo mo'aaheda taiy paaya hai ous par amal karna zaruri hai



2. dono maali wa aeqtesaadi aebaadat hain, in ke darmeyaan mokhtalif farq hain, sirf chand ka zikr kiya jaa raha hai :


1. khums, maal ka paanchwa hissa hai, yaani 20%
   aur zakaat maal se baaz hisse ko nesaap ke motaabiq nikaalna hai


2. khums 7 chizon me waajib hai lekin zakaat 9 ya 10 chizon me waajib hai


3. khums pas'andaaz (jama) par maaliyaat hai, lekin zakaat maal par maaliyaat hai


4. zakaat 8 jag'hon par kharch ki jaati hai, lekin khums ke 2 hisse hain, sahme imaam aur sahme saadaat



zakaate fitra ke baare me to sabhi jaante hain


(tafsil tauzihul masaa'ael me dekh len)


3. is sawaal ke jawaab me tafsilaat hain, bataure aekhtesaar molaaheza farmaa'aen



agar bahen wa bhai hon to ladke (bhai) ki miraas ladki (bahen) ke do baraabar wa dugni hai,
aulaad ki miraas me bhai ka 2 baraabar nikaal kar baaqi bahen ka haq hai




aur agar waaledaiyn ki aulaad me sirf ladkiyaan hain, bhai nahi hain aur pahle tabqe me koei aiysa waaris bhi nahi hai jise miraas mile to bataure mosaawi ladkiyon par taqsim hogi




(pahle tabqe me maiyyet (میت) ke waaledaiyn wa aulaad hain)




surah nesaa aayaat 11 - 12 aur 176 me waaledaiyn, aulaad wa ... ki miraas ke baare me aeshaara kiya gaya hai

Zaruri note :

1. baap ki miraas me beta aur beti ka jo hissa hai wahi maa ki miraas me hai, yaani bete ka 2 baraabar, lehaaza baaz logon ka ye tasaw'wur wa kheyaal ghalat hai ke maa ki miraas me beta wa beti ko bataure mosaawi wa baraabar miraas mile gi


2. beti, shaadi shuda ho ya ghaiyr shaadi shuda, miraas ki taqsim par farq nahi pade ga

والسلام

Syed Shamshad Ali Katokhari
khaadim-e-edaara-e-darul itrat Azim Aabaad / Patna - shoba-e-sawaalaat Qum / Iran

7 / ذى الحجه / 1439 ھ.ق

◾روز شہادت امام محمد باقر علیه السلام تسلیت باد◾

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