Question Summary:
Is it permissible to undertake an administrative role in a reinsurance company? Question Detail:
Is it permissible to undertake an administrative role in a reinsurance company?Some of the
Primary functions will be:
· Take part in administration audits and provide data in required format for functional audits.
· Participate in the analysis of monthly statistics produced by administration.
· Take ownership of clients, and be responsible for converting client data and treaties on to the appropriate system, including gathering treaty information from Pricing and Marketing teams and analyse
· Creating and testing mapping specifications.
· Set up treaties on the administration systems, both assumed and retrocession and load premium rate tables.
· Verify data clean-ups carried out by IT teams.
· Extract and document business requirements.
· Data analysis.
· Provide support and direction for system User Acceptance Testing.
· Provide Microsoft, Access and SQL assistance to others in the Administration Team.
Answer :
In the Name of Allah, the Most Gracious, the Most Merciful.
As-salāmu ‘alaykum wa-rahmatullāhi wa-barakātuh.
Conventional Insurance constitutes interest,[1] gambling[2] and excessive uncertainty (Gharar)[3] all of which is prohibited in Islam[4].
It is not permissible to be an administrator in the company in reference as you will be advancing the core aims and objectives of the company which are un-Islamic[5]. Verily Allah says:
لا تعاونوا علي الإثم والعدوان و
Translation: And do not cooperate in sin and transgression[6].
And Allah Ta’āla Knows Best
Hanif Yusuf Patel
Student Darul Iftaa
UK
Checked and Approved by,
Mufti Ebrahim Desai.
www.daruliftaa.net
[1] The prohibition of Riba:
الذين يأكلون الربا لا يقومون إلا كما يقوم الذي يتخبطه الشيطان من المس ذلك بأنهم قالوا إنما البيع مثل الربا وأحل الله البيع وحرم الربا
[Al-Qur`an, 2:275]
يا أيها الذين آمنوا اتقوا الله وذروا ما بقي من الربا إن كنتم مؤمنين. فإن لم تفعلوا فأذنوا بحرب من الله ورسوله وإن تبتم فلكم رءوس أموالكم لا تظلمون ولا تظلمون
[Al-Qur`an, 2: 278-9]
فان تأجيله لا يصح ... وعلي اعتبار الانتهاء لايصح لانه يصير بيع الدراهم بالدراهم نسيئة وهو ربوا
[Al-Hidayah, 3:76]
[2] يآ ايُّها الَّذين امنوا انّما الْخمر والميسر والانصاب والازلام رجس من عمل الشيطان فاجتنبوه لعلكم تفلحون
[Al-Qur`an, 5:90]
[3] عن أبي هريرة قال نهي رسول الله عن بيع الحصاة وعن بيع الغرر
[Sahih Muslim: 3170]
[4] ولا خلاف بين أهل العلم في تحريم القمار
[Ahkam al-Qur`an li al-Jassas, 2:465, Dar Ihya at-Turath al-Arabi, Beirut]
وهو حرام بالنص القمار ...
[Radd al-Muhtar ala ad-Durr al-Mukhtar, Kitab al-Hadhr wa al-Ibahah, 6:403]
Also see: [Fatawa Mahmoodiyyah, 16:387-340; Takmilah Fath al-Mulhim, 1:320; Ahsan al-Fatawa, 7:24-5]
For a detailed discussion see: [Islam aur jaded ma`ashee masa`il, 3:307-19, Idarah Islamiyaat]
[5] عن جابر قال لعن رسول الله صلى الله عليه وسلم آكل الربا وموكله وكاتبه وشاهديه وقال هم سواء
[Sahih Muslim: 3403]
(وَكَاتِبَهُ وَشَاهِدَيْهِ) : قَالَ النَّوَوِيُّ: فِيهِ تَصْرِيحٌ بِتَحْرِيمِ كِتَابَةِ الْمُتَرَابِيَيْنِ وَالشَّهَادَةِ عَلَيْهِمَا وَبِتَحْرِيمِ الْإِعَانَةِ عَلَى الْبَاطِلِ
Mirqat al-Mafateeh, 5:1916, Dar al-Fikr
[6] [Al-Qur`an: 5:2]
Also see [Fatawa Dar al-uloom Deoband, 14:491]
من يشفع شفاعة حسنة يكن له نصيب منها ومن يشفع شفاعة سيئة يكن له نصيب منها
[Al-Qur`an, 4:85]
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