{"id":6722,"date":"2024-07-10T07:43:53","date_gmt":"2024-07-10T07:43:53","guid":{"rendered":"https:\/\/al-mawrid.org\/questions-en\/2024\/07\/10\/saving-certificates-and-riba\/"},"modified":"2025-11-16T21:49:30","modified_gmt":"2025-11-16T16:49:30","slug":"saving-certificates-and-riba","status":"publish","type":"post","link":"https:\/\/al-mawrid.org\/questions-en\/saving-certificates-and-riba\/","title":{"rendered":"Saving Certificates And Riba"},"content":{"rendered":"<h3>Question<\/h3>\n<p>Would saving certificate schemes be considered as <em>Riba<\/em> (interest)?<\/p>\n<h3>Answer<\/h3>\n<p>Our  teacher, Mr Javed Ahmad Ghamidi, is of the opinion that if the  Pakistani government offers financial help to its old citizens on the  basis of a scheme, it is okay because it is its obligation to do so. If  the government is indulging in riba-based arrangement in doing so, it is  not the responsibility of the individual.<\/p>\n<p>My  humble opinion is that insofar as simple pension is concerned, the  principle is fine. However, if the government is offering its old  citizens fixed returns on the basis of an investment, it is <em>riba<\/em> and should be avoided except in case when the individual is in real difficulty, which many pensioners are in. <\/p>\n<p><strong>Answered by:<\/strong> Dr. Khalid Zaheer<\/p>\n<p><strong>Date:<\/strong> 2015-02-21<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"6722\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorite <i class=\"sf-icon-star-empty\"><\/i><\/button>","protected":false},"excerpt":{"rendered":"<p>Would saving certificate schemes be considered as <em>Riba<\/em> (interest)?<\/p>\n","protected":false},"author":7,"featured_media":14147,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1169],"tags":[1212,1533,2541],"class_list":["post-6722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economic-issues","tag-interest","tag-riba","tag-saving-certificates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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Since there are very serious warnings for consuming riba (consuming), but without any worldly punishment. If\u2026","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6350,"url":"https:\/\/al-mawrid.org\/questions-en\/halal-investment\/","url_meta":{"origin":6722,"position":3},"title":"Halal Investment","author":"admin","date":"July 10, 2024","format":false,"excerpt":"I want to know what is your opinion about halaal investment. 1. Is investment in usual banks Halaal?2. Where investment is Halaal?3. What about insurance and saving accounts in banks?Please consider inflation and other logical ideas presented by those who consider this halaal.","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":5956,"url":"https:\/\/al-mawrid.org\/questions-en\/does-giving-away-the-earned-riba-render-it-allowable\/","url_meta":{"origin":6722,"position":4},"title":"Does Giving Away The Earned Riba Render It Allowable?","author":"admin","date":"July 10, 2024","format":false,"excerpt":"It is said that interest earned on savings in bank account if given to deserving people is allowed in Islam and it does not fall within the ambit of riba. Pease comment on this view.","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":6602,"url":"https:\/\/al-mawrid.org\/questions-en\/buying-property-on-instalments\/","url_meta":{"origin":6722,"position":5},"title":"Buying Property On Instalments","author":"admin","date":"July 10, 2024","format":false,"excerpt":"Are we allowed to purchase property in a non-Muslim country on instalments where the matter of bank interest (riba) is involved?","rel":"","context":"In &quot;Economic Issues&quot;","block_context":{"text":"Economic Issues","link":"https:\/\/al-mawrid.org\/questions-en\/category\/economic-issues\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/al-mawrid.org\/questions-en\/wp-content\/uploads\/2025\/03\/Queries.png?fit=800%2C450&ssl=1&resize=700%2C400 2x"},"classes":[]}],"jetpack_shortlink":"https:\/\/wp.me\/pgh6ci-1Kq","_links":{"self":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6722","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/comments?post=6722"}],"version-history":[{"count":0,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/posts\/6722\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media\/14147"}],"wp:attachment":[{"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/media?parent=6722"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/categories?post=6722"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/al-mawrid.org\/questions-en\/wp-json\/wp\/v2\/tags?post=6722"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}