Uncover the Islamic Ruling on Forging Bank Statements

Dar al-Ifta Ahl al-Sunnah

Mufti Muhammad Qasim Attari

(1) Forging bank statements

Q: What do the scholars of Islam say regarding the following matter: when a student goes abroad to study, for security purposes, they are sometimes required by the educational institute to send their own bank balance and bank statement, or that of their guardian’s. This is to ensure that they can afford the institute’s fees. There are some in this situation who can afford to pay said fees but do not have the required amount in their accounts stipulated by the institute.

To get around this and gain admission, with the help of the bank, they sometimes have bank statements forged and keep the required amount of money in their bank account for a short time, which is provided to them by the bank itself. This is only to show they have the required amount in their account, and they cannot use it in any way, to the extent that the bank takes possession of their ATM card. Also, the client pays the bank in exchange for this service.

My question is that what is the ruling on forging a bank statement and showing money in the account like this? Also, is it permissible for a client to pay the bank money for this service?

بِسْمِ اللّٰہِ الرَّحْمٰنِ الرَّحِیْمِ

اَلْجَوَابُ بِعَوْنِ الْمَلِکِ الْوَھَّابِ اَللّٰھُمَّ ھِدَایَۃَ الْحَقِّ وَالصَّوَابِ

A: In the above-mentioned scenario, to have a bank statement forged and show money in an account that the account holder does not own, is a form of lying and deception, which is haram. Additionally, it is impermissible and a sin for the bank to aid in such an action, and it is also haram for the client to give a specified amount and for the bank to accept it. This is because it is not a service worthy of remuneration. The amount being paid is for your job to be done. This is bribery and invalid remuneration.

وَاللہُ اَعْلَمُ عَزَّوَجَلَّ وَ رَسُوْلُہٗ اَعْلَم صلَّی اللہ علیہ واٰلہٖ وسلَّم

(2) The chest being visible in salah

Q: What do the scholars of Islam say regarding the following matter: if the buttons of a person’s shirt are open in salah to the extent his chest is visible, what is the ruling regarding his salah?

بِسْمِ اللّٰہِ الرَّحْمٰنِ الرَّحِیْمِ

اَلْجَوَابُ بِعَوْنِ الْمَلِکِ الْوَھَّابِ اَللّٰھُمَّ ھِدَایَۃَ الْحَقِّ وَالصَّوَابِ

A: If a person’s buttons are open, exposing only a small portion of his chest that is considered normal for a dignified person, there is no harm in this. If a large portion of it is visible such that a dignified person would not go before gathering of people or enter the marketplace in this state, or if he did enter it, he would be considered undignified, or if the chest is completely uncovered; it will be makrūh tanzīhī (minorly disliked) to offer salah in this state.

This is because the ruling regarding this falls under the category of work clothing or daily clothing that a dignified person would feel ashamed to wear in front of respectable people. And if he did, it would lead to him being considered uncivil. To offer salah in such clothing is makrūh tanzīhī if he has others available.

وَاللہُ اَعْلَمُ عَزَّوَجَلَّ وَ رَسُوْلُہٗ اَعْلَم صلَّی اللہ علیہ واٰلہٖ وسلَّم

(3) Ruling on scalp pigmentation

Q: What do the scholars of Islam say regarding the following matter: if a person’s hair falls out, leading to bald patches and unsightliness, can such a person undergo scalp pigmentation to cover his baldness?

بِسْمِ اللّٰہِ الرَّحْمٰنِ الرَّحِیْمِ

اَلْجَوَابُ بِعَوْنِ الْمَلِکِ الْوَھَّابِ اَللّٰھُمَّ ھِدَایَۃَ الْحَقِّ وَالصَّوَابِ

A: Scalp pigmentation is like tattooing and sharia does not permit this.

In scalp pigmentation, parts of the head that do not have any hair are pierced with very small needles. The resulting holes are filled with a black substance, causing small black dots resembling hairs to appear. This is like a tattoo, and in fact, experts refer to it as a tattooing and give it the name medical-grade micro-tattooing. Its definition and details can be found on the websites given below:

)https://ishrs.org/micropigmentation-of-scalp)

)https://www.medicalnewstoday.com/articles/scalp-micropigmentation(

وَاللہُ اَعْلَمُ عَزَّوَجَلَّ وَ رَسُوْلُہٗ اَعْلَم صلَّی اللہ علیہ واٰلہٖ وسلَّم

(4) Donning iḥrām without wudu

Q: What do the scholars of Islam say regarding the following matter: when leaving for ʿumrah, we perform ghusl at home and wear our iḥrāms before setting off. Yet, we do not recite talbiya with the intention for ʿumrah. Instead, before approaching the mīqāt on the way to Jeddah, we recite talbiya during the flight. Sometimes, we are without wudu at this time. Can we enter the iḥrām state without wudu?

بِسْمِ اللّٰہِ الرَّحْمٰنِ الرَّحِیْمِ

اَلْجَوَابُ بِعَوْنِ الْمَلِکِ الْوَھَّابِ اَللّٰھُمَّ ھِدَایَۃَ الْحَقِّ وَالصَّوَابِ

A: Having wudu is not necessary for iḥrām. If a person intending to do ʿumrah recites talbiya without wudu, his iḥrām and its associated restrictions will begin. The importance of wudu and its virtues are countless, such that it is recommended to always remain in wudu.

As this the journey is to the Kʿaba, one should make special preparations and stay in wudu if possible. It is Sunnah to have wudu when entering iḥrām, i.e. when saying the talbiya for ʿumrah or ḥajj.

وَاللہُ اَعْلَمُ عَزَّوَجَلَّ وَ رَسُوْلُہٗ اَعْلَم صلَّی اللہ علیہ واٰلہٖ وسلَّم

(5) Can a person be afflicted by the evil eye without being seen?

Q: What do the scholars of Islam say regarding the following matter: can evil eye only be given to someone by looking at them, or does it occur when one praises them without seeing?

بِسْمِ اللّٰہِ الرَّحْمٰنِ الرَّحِیْمِ

اَلْجَوَابُ بِعَوْنِ الْمَلِکِ الْوَھَّابِ اَللّٰھُمَّ ھِدَایَۃَ الْحَقِّ وَالصَّوَابِ

A: People hurt one another in many ways, such as via physical strikes, verbal tirades, or through non-visible means, like black magic, evil eye or other things.

Regarding evil eye, imams of this Umma have clearly mentioned it occurs via the effect of a person’s sight. It occurs when we look at something with good intentions but do not remember Allah Almighty, or look with harmful intent.

A person cannot be afflicted by evil eye merely by being praised without being seen. Yet, causing harm to somebody without seeing them does not stop at the evil eye, as it could be caused by something else. Spiritual practitioners do not always have awareness regarding this, causing them to mix many conditions and afflictions with one another.

وَاللہُ اَعْلَمُ عَزَّوَجَلَّ وَ رَسُوْلُہٗ اَعْلَم صلَّی اللہ علیہ واٰلہٖ وسلَّم