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242685: Ruling on working in a company that offers services to riba-based banks


I work in JP Morgan letter of credit department BPO, I have few doubts about my job whether it is hallal or harm. I know that if ur working in a banks letter of credit department then it is haram but we work in a BPO and just do data entry as this is a third party JOB is this also haram.
Other thing is can we do jobs for any other process where data entry is done by us and one of the end user may be a bank.

Published Date: 2016-07-30

Praise be to Allah

What we have found out about J P Morgan is that it is a multi-national American bank that offers financial services. 

If that is the case, then working in riba-based banks is haraam, even if it is in a department that does not directly deal with riba, as stated previously in the answer to question no. 125512

But if it so happens that what is asked about is a company with permissible activities, then it is not permissible for it to offer services to riba-based banks in any way, such as supplying or maintaining or moving equipment, or acting as an intermediary between the bank and its customers, or other services that are used by the riba-based bank, because that comes under the heading of helping it in sin, and Allah, may He be exalted, says (interpretation of the meaning):

“Help you one another in Al-Birr and At-Taqwa (virtue, righteousness and piety); but do not help one another in sin and transgression. And fear Allah. Verily, Allah is Severe in punishment”

[al-Maa’idah 5:2]

If your work in the company is connected to offering services to riba-based banks, even if that is only data entry, then your job is haraam.

If it is not connected to that – rather it is limited to that which is permissible – then there is nothing wrong with it in that case. See: question no. 193420

Dr Yoosuf ash-Shubayli (may Allah preserve him) was asked about working in a company that produces large-scale computer equipment and high-powered programs, and most of the users of the products of this company are highly sensitive centres in Muslim lands, such as ministries, universities, hospitals, and major local companies, whose capital surpasses hundreds of millions of dollars. The problem is that this equipment in these programs is used by riba-based banks in this country, and working in this company is not limited only to sales; rather it also includes offering after-sales services such as maintenance and follow-up. There are many jobs that require going to these banks and meeting the people in charge, and doing a lot of work in the bank itself, and troubleshooting. 

He replied:

The ruling on working in this company is no different from the ruling on working in any company where some of the users of its services may be organisations that are involved in sinful activities; for example, electricity and communications companies and the like are subject to reservations such as those mentioned in your question… What I think is that it is permissible to work in these companies, subject to the following guidelines: 

1.     If the basic activities of the company are haraam – as in the case of riba-based banks, commercial insurance companies and the like – then it is haraam to work in such companies at all, even if the individual is in a job that has no connection to the haraam work itself, because his work in the company is helping in the sin. 

But if the purpose of the company’s activities is permissible, but it may be involved in some haraam activities, as is the case with many commercial and industrial companies, restaurants, and so on, then it is permissible to work in such companies in principle, even if some of their activities are haraam, subject to the following guidelines. 

2.     The products offered by the company should not be specifically for something haraam, or usually used for haraam purposes. But if the products are suitable for that and for other purposes, then there is nothing wrong with it. For example, if the programs that the company produces are specifically for working out interest rates in banks, then it is haraam. But if they are programs for human resources that may be used by a bank or may be used by other organisations, then there is nothing wrong with designing them. 

3.     The employee should not be directly involved with the haraam work himself. So offering services or doing maintenance work for riba-based banks – for example – is haraam work, no matter what kind of service or maintenance is offered, because that comes under the heading of helping in sin, so it is haraam for a person to do such work himself. However if his work in the company does not require him to deal directly with the haraam work, then there is nothing wrong – in sha Allah – with him remaining there. 

Based on that, if you do not think it most likely that the job in this company will require you to deal directly with any haraam work, because that rarely happens, or because you are able to refuse to do it if you are asked to do any such work, then there is nothing wrong with you moving to that company. And Allah knows best. 

End quote from Fataawa Mawqi‘ Islam al-Yawm (islamtoday.com) 

And Allah knows best.

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