Question: 

I
have recently come across a company called Medifin - offering medical finance.
As a dental professional, they offer the option for my patients to pay for
treatment via a small loan. After the patient receives a quote from me, they
can then contact Medifin, who will the pay me directly. The patients will then
pay the loan back to Medifin as per their contractual agreement. This does make
the patient liable to pay interest to the company.



Even though I am not directly receiving interest, the fact that it IS there in
the transaction has made me question whether this is acceptable from an Islamic
perspective. I have seen a lot of muslim medical practitioners advertise the
provision of this service, but I am very doubtful, to say the least.



Kindly assist is providing a better perspective on this issue.

Answer: 

You as a practitioner are not permitted to advertise on behalf of Medifin or promote their services as promoting an interest bearing loan on their behalf is tantamount to assisting in the disobedience of Allah Ta’aala whereas the Quraan Sharif categorically states “And do assist each other in sin and transgression.” [Surah Maa’idah verse.2]

However, if after receiving a quotation from you, the patient directly contacts Medifin (without being informed about them or referred to them by you) and the patient then secures a loan for the required treatment then this will be considered as an independent matter between the patient and the loan company. It will thus be acceptable for you as the practitioner to receive payment directly from Medifin with the proviso that you were in no way instrumental in assisting the patient in securing such a loan; and it is unknown whether the funds loaned by Medifin to the client is from Halaal or Haraam sources. If it known with certainty that the funds loaned to the client by Medifin is purely from Haraam sources (such as interest funds only) then accepting such funds will not be permitted by you as a Muslim practitioner.

جس پیسہ کے متعلق قطعی طور پر علم ہو کہ یہ حرام ہے اس کے عوض کوئی شیء فروخت کرنا اور وہ پیسہ حاصل کرنا درست نہیں ۔ جہاں علم نہ جائش ہے نہو وہاں ک - فتاوی محمود یہ ص ۲۷۳ ج ۱۱ کتب خانہ مظہری و جواہر الفتاوی ۲۹۴ ج ۳

And Allah Ta,aala knows best!

ANSWERED BY: Mufti Mohammed Desai M

CHECKED AND APPROVED BY: ufti Muhammed Saeed Motara Saheb D.B 

Date: 20 Jumadal Ukhra 1441 

English Date: 15 February 2020