Differece b/w conventional and Islamic banking

Question

  how are you I am baba here I want to know about banking so many peoples are savaging there money in Islamic banking like alfallah bank, mezan bank,  they are paying monthly some amount  that is in lost and profit basses I want to know weather  this amount is Riba or hallal.Or tell me which is the best place to invest money because if we are investing our money in some company sometime they are cheating and  we will not get back our capital . Now I think you understand my question my so many friend  wants to know about  riba and hallal profit diffrance. Weather investing in Islamic bank our money Is ok or not.BEST REGARDS    THANK YOU

Answer

wa alaikumussalam

1. fine alhamdulillah
2. till such banks are working under authentic sharia Advisers ,its allowed to invest in islamic banking, especially all islamic banks working in Pakistan. i think Meezan is best as they have larger network and numbers of services.
3. differences are clear:
1. on depositing side , islamic banks offer Mudaraba i.e a business in which capital is from depositors and management is from bank under necessary sharia conditions...... conventional banks accept money as a loan.
2. on investment side they use halal business modles like Murabaha, leasing, diminishing musharka etc....... conventional banks invest mainly in loans
3. although its on profit and loss basis , but normally fluctuated profits r paid which create resemblance with Riba. but its a wrong perception.actually the  diversity of business minimize the risks and result is always a net profit
4. moreover sharia monitoring and audit system is also working.

Telling Azkaar to a non-muslim facing crises

Question

In the name of Allah...
Maulana sahab, it would be very kind of you if you answer my following question:
I work in a government office. A christian is employed there as sanitory worker. He has some family problems. His wife and children have left him, because he tried to stop them from evil deeds. They have left and are also threatening him that they will kill him. He has tried involving his wife's relatives but she is out of anybody's control. Now he wants our help. Maulana sahab can we tell him adhkar (e.g names of Allah) or prayers from Quran and ahadith to that non-muslim for solving his problem. Are these things recommended for non muslims as well?. If the answer is yes; then please, recommend some.
May Allah bless you!

Answer

Wa alaikumussalam
Its allowed , May he becomes inspired and accepts Islam.
Tell him to offer Soorat e Falaq & Soorat e Naas after Fajar and Maghrib Daily as a Zikr and read the Tafseer of Soorat e Hujuraat, Soorat e Ahzab, soorat e talaq and soorat e Nisa. so that he can understand the factors involved in his crises and the remedies suggested by Islam.
Allah knows better