Every Muslim has to implement Islamic law, with all possible means, in all affairs, being social, economical, etc., in accordance with the verse: (interpretation of the meaning) "Say: My prayer, my sacrifice, my life and my death are for Allah".
On certain occasions Muslims may be ruled by a non-Islamic system, which makes it very difficult for them to practice their religion. Their example may be similar to that predicted by the prophet, (peace be upon him):
" There will come a day where a Muslim holding fast to his deen (religion) is like he who is gripping a hot coal" (Al-Tirmidhi, sahih).
When a Muslim is faced with such a situation, he should hold fast to the teachings of the Qur'an, keep himself within a good Muslim community, and strive his best to implement Islam, asking Allah's forgiveness for things he could not implement. Allah, the Merciful, has stated that (interpretation of the meaning):
"Allah does not require from a soul more than what it can bear".
When the situation becomes too difficult and over-bearing, a Muslim enters in a state of "adversity" or "necessity" (al-dharoorah) where unlawful things (al-mahdhooraat) become permissible. This is a great rule in Islam which reflects its mercy and appreciation to its followers. However, this issue is very sensitive as many Muslims, out of their ignorance, mistreat this rule. For example they neglect the corollary which says: "The state of necessity should be dealt with in proportion to its measure." Therefore it is very important to mention the constraints and conditions under which the rule of necessity is applicable. Some of these are:
Here are few practical examples to illustrate the above:
Since the question inquires about transactions in particular, it is worth noting the following:
Finally we have to say that it is the duty of Muslims everywhere to strive to find lawful alternatives to alleviate the state of dharoorah and save themselves from the need to adopt unlawful ways.
We ask Allah to give us of His bounties what keeps us sufficed and satisfied, and not to make us in need of anyone other than Him. Ameen.