Office of Grand Ayatollah Sayyid M.S.Al-Hakeem

Emulation - Taqleed 65
- Introduction 9
- Conditions of the Marja 23
- Changing the Marja 15
- Deeds Without Emulation 1
- Miscellaneous 11
- Marjeiyya (Religious Leadership) 6
Taharah 350
- Rules of Water 6
- Use of Lavatory 12
- Ablution 85
  - What Breaks the Wudhu 7
  - Acts of Wudhu 46
    - Washing the Face 14
    - Washing the Hands 7
    - Wiping the Head 17
    - Wiping the Feet 8
  - Conditions of Wudhu 5
  - Wudhu with Wound Dressing 1
  - Incontinency 6
  - What Wudhu is Required for 9
  - Recommended Acts of Wudhu 5
  - Doubts 6
- Ghusl 118
- Tayammum 14
- Najis Things 88
  - Number of Najis Things 44
    - Urine and Feces 2
    - Semen 4
    - Blood 2
    - Corpses 13
    - Dogs & Pigs 3
    - Non-Believers 10
    - Wine 6
    - Sweat of Junob 4
  - How Najasah is Transferred 16
  - Rulings of Najis Things 24
  - Exemption of Najasah 4
- Purification of Najasah 27
  - Water 18
  - Earth 1
  - Sun 4
  - Changing (Istihala) 2
  - Removal of Najis Thing 1
  - Istibra of the Animal 1
Prayers 296
- Daily Prayers 74
  - The Prayers 2
  - Timings of Prayers 24
  - The Qibla 2
  - Clothing during Prayer 24
  - Place of Prayers 22
- How to Perform the Prayers 96
  - Adhan and Iqamah 5
  - Acts of the Prayer 82
    - Intention 2
    - Takbeeratul–Ihram 4
    - Standing 7
    - Recitation 23
    - Bowing 10
    - Prostration 14
    - Tashahhud 7
    - Tasleem 2
    - Post-Prayers Acts 5
    - Qunoot 8
  - What Invalidates the Prayer 9
- Friday Prayers 11
  - Conditions of Validity 6
  - Rulings of Friday Prayer 5
- Prayers of Signs 7
- Qadha Prayers 20
  - Rulings of Qadha Prayers 16
  - Delegation of Prayers 4
- Congregational Prayer 46
- Defects and Doubts 7
- The Prayers of the Traveler 23
- Recommended Prayers 12
Fasting 120
- Fasting Intention 1
- Things which Invalidate the Fast 25
- Things that do not Invalidate the Fast 11
- Disliked Things during Fasting 4
- Failure to Fast 11
- The Kaffārah for Breaking the Fast 18
- Validity of Fasting 16
- Fasting Exemption 3
- The Crescent 6
- Making up the Lapsed Fast 10
- Rulings of Fasting 12
- I’tikaf 3
Zakat 23
- The Obligation of Zakat 13
- Types of Beneficiaries 3
- Rulings of Zakat 7
Khums 82
- The Obligation of Khums 2
- What Khums is Payable On 56
  - Lawful Wealth Mixed with Unlawful Wealth 1
  - Surplus Wealth 31
    - Gift 3
    - Inheritance 1
    - Income and Benefits 27
  - Calculations 24
- The Beneficiaries of Khums 11
- Rulings of Khums 13
Pilgrimage 45
- The Obligation of Pilgrimage 13
- Pilgrimage by Proxy 2
- Types of Pilgrimage 1
- Meeqats 2
- Prohibitions of Ihram 3
- Rulings of Tawaf 7
- Sa’ee 2
- Being in Arafat 1
- Muzdalifa 1
- Jamarat 1
- Animal Sacrifice 1
- Shaving and Shortening the Hair 4
- Staying in Mina 1
- Obligations in Mecca after Mina 1
- Umrah Mufradah 5
Trade 121
- Unlawful Earnings 32
- Some Prohibited Acts 44
  - Shaving the Beard 15
  - Imitation of Women 6
  - Images and Sculptures 15
  - Soothsaying 7
  - Summon Jinns 1
- Dealing with Those Involved in Prohibited Acts 5
- Buying & Selling 40
Enjoining the Good and Forbidding the Wrong 88
- The Obligation 2
- Conditions 1
- Some Major Sins 73
  - Ingratitude to Parents 18
  - Transgression Against Believers 3
  - Magic 6
  - Suicide 2
  - Stealing 5
  - Gambling 8
  - Music & Songs 23
  - Insulting Believers 1
  - Using Obscene Language 1
  - Backbiting 4
  - Lying 2
- Repentance 12
Trust 1
Leasing 3
Lending & Borrowing 8
Agency 1
Will 3
Gifts 4
Religious Endowment (Waqf) 6
Charity 4
Marriage 300
- Introduction 18
- Etiquettes of Marriage 30
- Marriage Contract 14
- The Guardian 34
- Prohibited Matrimony 62
- Temporary Marriage 88
- Conditions of Marriage 9
- Dower 10
- Marital Duties 7
- Children 19
- Financial Maintenance 9
  - Wife 4
  - Relatives 5
Divorce 67
- The Reality of Divorce 13
- Conditions of Divorce 22
- Rulings of Divorce 5
- The Waiting Period 14
- Khula 11
- Dhihar 2
Vow, Covenant & Oath 16
Kaffarah 6
Usurpation 1
Lost Property 5
Hunting and Slaughtering 23
- Hunting 9
  - Hunting of Animal that have Spurting Blood 4
  - Hunting of Animal without Spurting Blood 5
- Slaughtering 14
Food & Drink 53
- Sea Animal 8
- Land Animals 11
- Birds 2
- Solid Food 6
- Liquids 11
- General Rulings 15
Inheritance 14
- Barriers of Inheritance 2
- First Category of Inheritors 3
- Second Category of Inheritors 2
- Inheritance of the Spouse 2
- Inheritors of Illegitimate Birth 1
- Rulings of Inheritance 4
Compensation (Diyah and Dhaman) 10
- Diyah 7
Ahlulbait 42
Alcohol 15
Banking 15
- Deposits 4
- Loans 2
- Rulings of Banking 9
Beliefs 89
- Believing in Allah 13
- Believing in Divine Justice 5
- Believing in the Prophets 5
- Believing in the Imams 25
- Believing in the Hereafter 6
- Shi’ism 2
- Differences in Sects 6
- Jurisprudential Issues 13
- Other Beliefs 14
Blood Donation 2
Clothing & Adornment 40
- Clothing 15
- Rings 6
- Cosmetics and Makeup 12
- Silk 2
- Gold 5
Copyrights 2
Converts 7
Dance 4
Eid 15
Games 10
Hijab 27
- Legislation of Hijab 3
- To whom Hijab Applies 6
- Limits of Hijab 12
- Rulings of Hijab 6
General Issues 23
History 2
Holy Quran 29
- Science of Quran 4
- Reciting the Quran 12
- Alteration in Quran 6
- Dealing with the Quran 3
- Knowledge from the Quran 2
- Memorizing the Quran 2
Human Cloning 2
Imam Mahdi (Peace be upon him) 20
Immigration 1
Islamic Religion 31
- Teaching and Learning 4
- Religious Concepts 11
- Islamic Values 2
- Views 6
- Misconception 6
Internet 8
Istikhara 10
Islam & Christianity 3
Jesus (Peace be upon him) 4
Laws 2
Man & Woman 32
- The Relationship 6
- Hearing Woman's Voice 1
- Looking at Opposite Sex 5
- Skin Contact 8
- Other Forms of Contacts 8
- Related Religious Rulings 4
Masturbation 19
Medical Issues 24
Mosques 12
Mourning Imam Hussein 34
- Mourning 7
- Muharram 10
- Tatbeer 6
- Ways of Mourning 11
Narrations 11
The Prophet - Peace be upon him- 9
Organ Donation 2
Quran Commentary 9
Religious Chants 6
Pets 7
Religious Propagation 9
Relationships 19
Slavery 1
Satan 2
Smoking 8
Supplication-Dua 22
Tattoos 5
Sport 2
Tran Sexuality 4
Vivisetion 1
Wilayet Alfaqih 3
Work 31
- Women at Work 6
- Rulings of Work 18
- Ethics at Work 7
Yoga 1
Ziyara 15
- Rulings of Ziyara 7
- Ziyarat-e-Ashura 8

Loans from Muslims and non-Muslims Banks

Question :

Is it permissible to take a loan from Muslim or non-Muslim (private or state-owned) banks?

Answer :

It is not permissible to take a loan from a private bank that is wholly or partially owned by Muslims with a condition in the loan contract to pay interest to the bank. It is also not permissible to take a loan from a non-Muslim private bank. It is permissible to borrow from both kinds of banks if the loan agreement was without stipulation of any interest.
If the bank is owned by a government, then it is allowed to take the money without the intention of borrowing it, but with the intention of taking it on behalf of his Eminence and own it afterwards. The money paid will be treated like government taxes.

Mortgage

Question :

Most of the banks propose to their clients mortgage loans with interest payments. Is it permissible for Muslims to take these loans knowing that one will be obliged to pay interest for them?

Answer :

It is not allowed to take mortgage loans with interest from private banks. It is permissible from government banks without the intention of borrowing, but the individual collects the funds on behalf of his Eminence (may Allah prolong his life) and then takes ownership of them after that. Interest is then paid just like paying taxes to the government.