Halal living

Awaiting scholar review

Practical beginner guidance for food, social meals, money, entertainment, and everyday choices.

Start with clear food basics

The early food priorities are simple: avoid pork and alcohol, choose halal (Glossary) meat when you can get it, and work through the unclear ingredients over time. You do not need to become an ingredient expert overnight.

Vegetarian meals, seafood, eggs, dairy, beans, rice, and plain home cooking make the first few months much easier.

Restaurants and social meals

Plan ahead where you can. Check menus, pick the clearer options, and tell hosts what you need in one sentence. You can say: I eat halal now, so I avoid pork and alcohol. I am happy to bring something if that helps.

Try not to turn every meal into a debate. Quiet consistency teaches people more than a long explanation does.

Everyday situations

New Muslims often worry about the same handful of everyday questions. The short answers below give the mainstream view, where scholars differ, and what can wait while you settle into prayer and the basics. Each one is general guidance, so ask a teacher you trust about your own situation.

Shaking hands

Most scholars of the four schools say a man and a woman who are not close family should not shake hands. They rely on reports such as Aisha's statement that the Prophet never touched a woman's hand when taking the pledge (Sahih Muslim 1866b). An AMJA scholar advises explaining that you avoid it out of respect, not dislike, and that if you are caught in a moment you could not avoid, you simply ask Allah's forgiveness.

Egypt's Dar al-Ifta calls this a disputed question. It says a Muslim may follow the scholars who allow a handshake without desire, especially in non-Muslim countries, to avoid embarrassing others. Because it is a real difference of opinion, nobody should shame you for either choice.

A friendly script if you choose not to shake hands: put your hand on your heart, smile, and say, "I don't shake hands for religious reasons, but it's really nice to meet you."

What can wait: you do not need to settle this before your next day at work. Ask your local imam which view to follow.

Tattoos from before Islam

AMJA scholars explain that what you did before Islam is forgiven, and that you do not need to remove a tattoo if removal would be costly or harmful. You do not have to cover tattoos when you pray. You may cover them in the masjid if you like, without being hard on yourself, and uncovering them in hot weather is fine. The Prophet told a new Muslim, "You became Muslim with all those good deeds" (Sahih al-Bukhari 1436). The same AMJA answer says getting new tattoos is not permitted.

What can wait: any decision about removal. There is nothing urgent here.

Dogs

An AMJA answer written for converts and a SeekersGuidance answer from the Hanafi school both discourage keeping a dog as an indoor pet, while allowing working dogs such as guard dogs, kept outside. The AMJA answer advises keeping a guard dog outside or finding it a new home. Some scholars, notably in the Maliki school, are known for a more lenient view, so ask a teacher about that too.

What can wait: please do not make a sudden decision that hurts your family or the animal. Talk to a scholar first, especially if the dog belongs to other family members, is a service dog, or lives in a shared home.

Music

Muslims have disagreed about music for centuries. A SeekersGuidance answer explains that most scholars of the four schools restrict musical instruments, apart from the duff (a hand drum), which the Hanafi school and others allow, while singing with clean words is fine. A report in Sahih al-Bukhari (5590) is often cited for this view, and its chain is itself discussed by scholars. Some scholars, such as Imam al-Ghazali, and today Egypt's Dar al-Ifta, allow music whose words and setting are clean. Everyone agrees that lyrics promoting sin are a problem. An AMJA scholar adds that hearing music you did not choose, such as in a shop, is not held against you.

What can wait: you do not need to make a sudden change on day one. Focus on prayer and the basics first, then learn about this with a teacher you trust.

Free time: screens, games, photos and nights out

Free time is part of a Muslim life, and you do not need to delete every game or photo in a panic.

For films and streaming, a SeekersGuidance answer by Shaykh Irshaad Sedick, checked by Shaykh Faraz Rabbani, says subscribing to a streaming service is not direct help in sin. Watching lawful content within reasonable limits is fine, unless it pulls you away from your duties. A simple test: skip what you would be uncomfortable watching next to your teacher.

Video games raise the same two questions: what the game shows, and how much time it takes. A Shafi'i teacher on SeekersGuidance calls unnecessary online activity with the opposite sex, such as gaming together, undoubtedly inappropriate. Turning off voice chat with strangers is an easy first step.

On photos, contemporary scholars differ. A SeekersGuidance answer by Shaykh Dr. Muhammad Abu Bakr Badhib reports that some scholars permit photography, while others say corrupting images are forbidden and other photos are better avoided, with educational and medical images allowed. An AMJA fatwa by Dr. Ibrahim Dremali is stricter and prohibits camera photos except for necessity, need or a recognised interest. Another AMJA fatwa, by Dr. Salah Al-Sawy, says posting personal photos publicly, especially of women, is not permissible. Ask your teacher which view to follow. Whatever you decide, check your privacy settings before you post about your conversion, especially if your family does not know yet.

When a night out centres on drinking, suggest another plan, such as dinner and a movie. "No thanks, I don't drink" is a complete answer. Dancing and concerts are not covered here yet, so ask a teacher, and see the music section above.

Pictures at home are a related question. Hadiths in Sahih al-Bukhari say angels do not enter a house with a picture of a living creature (3225) and warn picture-makers of the severest punishment (5950). Scholars differ on how far these reach, for example whether they include photographs, as described above. Before you take down family photos in a way that would hurt relatives, ask a teacher, and do it gently.

Gambling, lotteries and office pools

The Quran lists gambling with intoxicants as something to avoid (5:90). That includes lottery tickets, casino games, sports betting and paid office pools where everyone puts in money and one person wins. Free prize draws are a separate question: an AMJA scholar, Dr. Hatem al-Haj, says a draw with no payment or purchase condition is not gambling, if it is as described.

If a coworker invites you into a pool, a light answer works: "I'll sit this one out, but good luck!"

What can wait: the finer cases, such as store promotions, which you can ask a teacher about later.

Smoking and vaping

A SeekersGuidance answer summarises the views: many contemporary scholars consider smoking forbidden or strongly disliked because of its proven harm, and others call it disliked. Cannabis takes the ruling of alcohol because it intoxicates. The answer does not address vaping, so ask a teacher about it.

What can wait: quitting nicotine is hard, and Islam values steady progress. Your doctor can help you plan it, and you can make it part of your new start without shame.

Alcohol, drugs and recovery

Alcohol and drugs that intoxicate are forbidden in Islam (Quran 5:90). If you drank or used drugs before Islam and find it hard to stop, you are not alone, and struggling with it does not put you outside the faith. The Prophet told people not to curse a companion who was brought to him again and again for drinking, because he loved Allah and His Messenger (Sahih al-Bukhari 6780).

If you have been drinking heavily every day, ask a doctor before you stop, because CAMH says alcohol withdrawal can be dangerous. The mental health page lists Canadian addiction lines and steps that help.

Halal labels and certifiers in Canada

In Canada, a food label, package or advertisement that says or suggests halal, including through Arabic letters or symbols, must also show the name of the person or organisation that certified it. This is a federal labelling rule enforced by the Canadian Food Inspection Agency (CFIA). The CFIA does not decide what counts as halal or approve certifiers.

So the next step is yours: look for the certifier's name, then ask your local masjid which certifiers it trusts. Names you will see include the Halal Monitoring Authority (HMA) and ISNA Canada Halal. Their standards are not identical, for example on machine slaughter and stunning, and HMA's own FAQ notes that many scholars approve machine-slaughtered chicken that HMA does not. If a shop or restaurant says halal with no certifier shown, HMA suggests asking to see the certificate and calling the certifier. We do not recommend one certifier over another.

What can wait: becoming an ingredient expert. Start with the clear choices and learn the rest over time.

Winter clothing and wudu in the cold

Modest clothing and a Canadian winter can work together. Long coats, layers, scarves and hats are all modest, and you do not need to buy a new wardrobe. We did not find a scholarly source written about winter clothing, so these practical points are our own suggestions, not rulings.

For wudu (Glossary) in the cold, a SeekersGuidance answer from the Shafi'i school suggests keeping warm water ready, warming the bathroom, drying with a towel if you need to, and washing each limb once instead of three times. It also mentions leather socks (khuffs) that you wipe over instead of washing your feet. Many scholars allow wiping over suitable socks if you put them on after a full wudu, for one day and night at home or three when travelling. The schools differ on which socks count: the Hanafi school requires thick socks you could walk in.

What can wait: the details of wiping over socks. Wash your feet as normal until a teacher has shown you.

Money and work

This section is an introduction only. It is general education, not financial, legal or religious advice for your case.

Interest (riba): the Quran permits trade and forbids interest (2:275), and tells believers to give up what remains of interest owed to them (2:278-279). A hadith in Sahih Muslim (1598) says the Prophet cursed the one who takes interest, the one who pays it, the one who records it and the witnesses.

If you already have loans: many new Muslims arrive with a mortgage, a car loan, credit cards or student loans. Please do not panic or break contracts overnight. Keep paying what you owe, pay credit cards in full each month so you are not charged interest, avoid new interest-based debt where you can, and ask a qualified scholar and a financial adviser before changing anything.

Credit cards and buy now, pay later: the Financial Consumer Agency of Canada says federally regulated card issuers must give you at least 21 days without interest on new purchases, as long as you pay the full balance by the due date. Cash advances have no grace period, so interest starts the day you take one. Buy now, pay later plans can carry set-up fees, and after a missed payment the rate can jump, for example from 0 percent to 35 percent. Depending on the agreement, that rate may apply to the whole purchase from the start or only to what is left. The 2005 position approved by AMJA treats a card agreement with an interest clause as invalid in principle, but allows holding a card when you need it, on conditions: you pay in full every time, you have no alternative, and you take no cash advances except in necessity. Setting up automatic payment of the full statement balance makes this much easier.

Budgeting for worship: Ramadan, Eid, zakat (Glossary) al-fitr and qurbani all cost money, and they come around every lunar year. Putting a small amount aside each month means you do not need a card balance or a payment plan for Eid. Dr. Osman Umarji of Yaqeen Institute writes that spending on your family with a good intention is itself charity, and he encourages moderation in spending.

If you are in debt: the Quran asks a lender to give a borrower in hardship time until things ease, and calls forgiving the debt better (2:280). If debt is weighing on you, ask for help early, from someone you trust and from your imam.

Mortgages and Islamic home financing: many scholars, including SeekersGuidance teachers, say a conventional interest mortgage should be avoided in favour of an Islamic financing option, ideally one checked by a board of qualified scholars. Islamic products differ from a loan in the contract itself, such as who owns the home, who carries the risk and a single known price, even when the monthly cost looks similar, and some providers are structured more carefully than others. One SeekersGuidance answer says moving an existing conventional mortgage to a Shari'ah-compliant option is strongly advised or even required. Egypt's Dar al-Ifta takes a different view and allows a bank home loan as a form of sale (murabaha). In Budget 2024 the federal government said halal mortgage products exist in Canada and that it was exploring tax and regulatory changes to widen access. We do not name or recommend providers.

Student loans: since 1 April 2023 the federal Canada Student Loan charges no interest. The Government of Canada made this permanent for Canada Student Loans and Canada Apprentice Loans, but interest that built up before that date is still owed. Quebec, the Northwest Territories and Nunavut run their own student aid, so this federal change does not cover them.

Your aid may also include a provincial or territorial loan, and each province sets its own terms. Ontario, for example, still charges interest on the Ontario part of an OSAP loan, including during the six-month grace period after you finish school. So do not assume all student aid carries interest, and do not assume none of it does. Read your loan agreement for each part, and ask your financial aid office whether you can take less of any part that charges interest.

One SeekersGuidance answer says taking an interest-bearing student loan is not permitted, and suggests saving first, studying part time or borrowing interest-free from family or friends. Scholars differ on loans with any interest element, and a loan that mixes an interest-free part with an interest-bearing part is a question for a qualified scholar.

Interest paid to you: if your bank account pays interest, AMJA fatwa 4170 (Dr. Salah al-Sawy, 2012) says to give it away to causes that benefit the public. It may go to relatives in need, but not to your parents, because supporting them is already your duty. The same answer advises moving your savings to an Islamic option where you can. A no-interest account avoids the question.

Workplace pensions and investing: the Canada Revenue Agency says a TFSA can hold cash, stocks, bonds, mutual funds and ETFs. The account is a set of tax rules. What you hold inside it is the religious question. AMJA fatwa 1774 (Dr. Hatem al-Haj, 2006, written for a US 401(k)) says joining an employer retirement plan is permissible, especially when your employer matches your contributions. It says to choose Islamic funds first, then screened stock funds, and to avoid bonds. AMJA fatwa 2066 (Dr. Main Khalid al-Qudah, 2006) says investing through a screened fund is allowed if you give away the share of profit that came from prohibited income, which is called purification. Scholars differ on screening rules and on how much to give away. Check the fund list in your workplace plan before you turn down an employer match.

CPP and QPP: the Government of Canada says anyone over 18 who works in Canada outside Quebec and earns more than $3,500 a year must pay into the Canada Pension Plan. Quebec has its own plan (QPP). AMJA's 2005 resolution on insurance treats government social insurance as acceptable. If you still have questions about it, ask a scholar.

Insurance: in May 2005 an imams' workshop on financial questions, held in Sacramento, set out a position that AMJA's third annual convention approved later that year. It treats commercial insurance as invalid in principle, but allows health insurance out of need until an Islamic alternative exists, and allows other insurance only when you need it. It accepts insurance your employer provides as part of your pay, and treats government social insurance as acceptable. Provincial health coverage, such as OHIP in Ontario, is run by government. For car insurance, AMJA fatwa 86975 (Shaykh Jamaal Zarabozo, 2012) says scholars in the West seem to agree that the legal minimum is permissible, because of the harm of driving without it. This site does not yet have a sourced answer on life insurance, so ask a scholar before you buy it.

Work and zakat: zakat, investments and complicated employment questions belong with qualified scholars or professionals who understand your local context.

Before you sign, refinance or cancel anything, speak with a qualified scholar and a licensed financial adviser.

Avoid obsessiveness

Halal living is supposed to bring obedience and peace. If it is bringing panic instead, something has gone off track. When you find yourself checking labels over and over, avoiding ordinary life, or trapped by doubts, ask a qualified teacher for a simple beginner standard to work from.

Terms to know

Halalحلال
Anything that is permissible or lawful in Islam. It is most commonly used to describe food that meets Islamic dietary guidelines, but it applies to all aspects of life. If something is halal, you are free to enjoy it.
Haramحرام
Anything that is forbidden or prohibited in Islam, such as consuming alcohol or pork. These boundaries are meant to protect your well-being. If you are unsure whether something is haram, it is always okay to ask and learn.
Zakatزكاة
Obligatory annual charitable giving, calculated as 2.5% of a Muslim's qualifying wealth. It is one of the five pillars of Islam and serves to purify one's wealth while supporting those in need. It only applies once you meet a minimum wealth threshold.
Sadaqahصدقة
Voluntary charity or a good deed done out of kindness and compassion. Unlike zakat, sadaqah is not obligatory and can be as simple as a smile, helping a neighbor, or sharing food. Every act of goodness counts.
Wuduوضوء
The ritual washing performed before prayer. It involves washing the hands, mouth, nose, face, and arms, wiping the head, and washing the feet, in that order. The washing itself is calming, and it helps you settle before you pray.
Makruhمكروه
An action that is disliked in Islam but not strictly forbidden. Avoiding it may be rewarded, while doing it is not usually sinful by itself.
Ribaربا
Usury or interest-based gain that Islamic law forbids in certain financial transactions. Muslims generally use the term for exploitative or interest-bearing dealings that violate Islamic ethics.

Resources

New Muslim Guide

Article

A broad online guide that covers worship, beliefs, manners, and the everyday basics.

Source: New Muslim Guide

Best for: One-stop beginner reference

Best used for foundations, not as a personalized fatwa source.

Visit resource

New Muslim Guide - Food and Drink

Article

Beginner guidance on halal food: reading ingredients, eating out, and knowing when you have checked enough.

Source: New Muslim Guide

Best for: Grocery and restaurant basics

Ingredient and certification details vary by country, so ask locally when you are unsure.

Visit resource

LaunchGood Zakat Policy

Article

One giving platform's published policy on which campaigns count as zakat eligible, and why.

Source: LaunchGood

Best for: Seeing how a platform documents zakat eligibility

Platform policies do not replace personal fiqh review for your own finances.

Visit resource

Nusuk Hajj Official Platform

App

The official Saudi platform for Hajj, run under the Ministry of Hajj and Umrah, where pilgrims from serviced countries choose packages from authorised service providers.

Source: Nusuk Hajj / Ministry of Hajj and Umrah

Best for: Checking official Hajj registration and travel routing

Check whether Nusuk serves Canada for the year you plan, and read the Government of Canada's travel advice for Saudi Arabia first. Registering does not guarantee a Hajj place.

Visit resource

CRA list of charities

Article

The Canada Revenue Agency's list, where you can check that a charity is registered before you give zakat or sadaqah.

Source: Canada Revenue Agency

Best for: Checking a charity before you give

Official Government of Canada list.

Visit resource

Charity and donation fraud

Article

Warning signs of charity scams, including appeals for religious causes, and how to check a registration number.

Source: Canadian Anti-Fraud Centre

Best for: Spotting a fake appeal

Official Government of Canada page.

Visit resource

Sources used

These sources support the general topic guidance. For personal rulings or sensitive situations, ask a qualified local imam, scholar, clinician, or professional as appropriate.

  • New Muslim GuideBeginner guide

    New Muslim Guide - New Muslim practical guide

    Cited for plain explanations of worship and daily life written for new Muslims.

  • SeekersGuidanceScholar education

    SeekersGuidance - Qualified Islamic education

    Cited where the guide stops short and tells you to ask a qualified scholar about your own situation.

  • National Zakat Foundation Canada - Charity guidance

    Supports: NZF method for RRSP/TFSA.

  • LaunchGood Zakat PolicyFinancial education

    LaunchGood - Zakat policy

    Cited as a public example of how a platform documents zakat, with the reminder to get your own case reviewed.

  • Dar al-Ifta al-Misriyyah (Egypt) - Fatwa body answer

    Supports: Both positions, the majority view, and Dar al-Ifta's permission to follow the permissive view.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Supports: AMJA ruling and compassionate advice.

  • Sunnah.com - Hadith reference

    In Sahih Muslim. Cited for: the Prophet did not touch women's hands at the pledge.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Supports: Forgiveness of pre-Islam acts; no obligation of costly removal; prayer not invalidated.

  • Sunnah.com - Hadith reference

    In Sahih al-Bukhari. Cited for: good deeds done before Islam.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Supports: AMJA convert-specific answer.

  • SeekersGuidance - Scholar answer

    Supports: SeekersGuidance Hanafi answer.

  • SeekersGuidance - Scholar answer

    Supports: Majority view, permitted singing, the duff, minority view on spiritual music.

  • Dar al-Ifta al-Misriyyah (Egypt) - Fatwa body answer

    Supports: Permissive view and its conditions; al-Ghazali; no blame for following it.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Supports: Restrictive view and unintended-hearing distinction.

  • Sunnah.com - Hadith reference

    In Sahih al-Bukhari, introduced as a suspended (mu'allaq) narration, which is part of the scholarly discussion. Cited for: musical instruments.

  • Quran.com - Quran text and translation reference

    Cited for: intoxicants and gambling. The English wording is a translation of the meaning, checked against The Clear Quran.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Supports: AMJA 1645 (Dr. Hatem al-Haj): a free draw with no payment or purchase condition is not gambling, if it is as described.

  • SeekersGuidance - Scholar answer

    Supports: Range of scholarly views on smoking; cannabis as intoxicant.

  • Canadian Food Inspection Agency - Official labelling rule

    Supports: CFIA rule: halal claim must name the certifier.

  • What is halal (HMA)Halal certifier

    Halal Monitoring Authority (HMA) - Halal certifier page

    Supports: HMA overview of permitted and prohibited animals.

  • Halal Monitoring Authority (HMA) - Halal certifier page

    Supports: HMA advice to ask for a certificate and call the certifier.

  • SeekersGuidance - Scholar answer

    Supports: winter wudu tips from a Shafi'i answer (Shaykh Jamir Meah): warm water, a warm bathroom, drying with a towel if needed, leather socks (khuffs) to wipe over, and washing each limb once.

  • SeekersGuidance - Scholar answer

    Supports: Hanafi thick-sock conditions.

  • New Muslim Guide - Purification guide

    Cited for the beginner sequence of wudu and an overview of ghusl, with the finer details left to a qualified teacher.

  • Quran.com - Quran text and translation reference

    Cited for: Allah has permitted trade and forbidden interest. The English wording is a translation of the meaning, checked against The Clear Quran.

  • Quran.com - Quran text and translation reference

    Cited for: give up what remains of interest. The English wording is a translation of the meaning, checked against Saheeh International (checked via api.alquran.cloud).

  • Sunnah.com - Hadith reference

    In Sahih Muslim. Jabir reports that the Prophet cursed the one who takes interest, the one who pays it, the one who records it and the two witnesses, and said they are all equal.

  • SeekersGuidance - Scholar answer

    Supports: Conventional mortgages generally impermissible; seek certified alternative; Quran 2:278-279 as quoted.

  • SeekersGuidance - Scholar answer

    Supports: How Islamic financing contracts differ; providers vary; Shariah board check.

  • Dar al-Ifta al-Misriyyah (Egypt) - Fatwa body answer

    Supports: Dar al-Ifta's permissive murabaha view.

  • SeekersGuidance - Scholar answer

    Supports: one scholar answer (Ustadh Omar Popal, 30 January 2021) that an interest-bearing student loan is not permissible, with alternatives such as saving first, part-time study or interest-free loans.

  • Department of Finance Canada - Federal budget document

    Supports: that halal mortgage products exist in Canada and that in 2024 the federal government was exploring tax and regulatory measures, with an update promised in the 2024 Fall Economic Statement. Archived page; later measures were not checked.

  • SeekersGuidance - Scholar answer

    Shaykh Irshaad Sedick, checked by Shaykh Faraz Rabbani, 10 May 2022. Supports: subscribing to a streaming service is not direct assistance in sin; watching lawful content within reasonable limits is fine unless it leads to neglecting duties.

  • SeekersGuidance - Scholar answer

    Ustadha Shazia Ahmad (Shafi'i), 31 July 2022. Supports: any unnecessary activity with the opposite gender, including online gaming and chat, is 'undoubtedly inappropriate', because online settings lower inhibitions.

  • SeekersGuidance - Scholar answer

    Shaykh Dr. Muhammad Abu Bakr Badhib, 29 December 2024. Supports: contemporary scholars differ on photography; Baghithan permits it; al-Quda holds corrupting images prohibited and others better avoided, with educational and medical images permitted.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Dr. Ibrahim Dremali, 27 November 2005. Supports: images for necessity, need or a recognised interest are permitted and all others are prohibited, camera photos included. It does not present this as a difference of opinion.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    Dr. Salah Al-Sawy, 14 July 2009. Supports: posting personal photos publicly, especially of girls and women, is not permissible.

  • Sunnah.com - Hadith reference

    In Sahih al-Bukhari. Cited for: angels do not enter a house in which there is a dog or a picture of a living creature.

  • Sunnah.com - Hadith reference

    In Sahih al-Bukhari. Cited for: the picture-makers will receive the severest punishment on the Day of Resurrection.

  • Employment and Social Development Canada - Federal news release

    News release of 31 March 2023. Supports: interest on Canada Student Loans and Canada Apprentice Loans permanently eliminated from 1 April 2023; interest that built up before then is still owed; Quebec, the Northwest Territories and Nunavut are not in the federal program. It says nothing about provincial loans.

  • Pay back OSAPGovernment of Ontario

    Government of Ontario - Official provincial guidance

    Updated 5 May 2026. Supports: no interest on the federal part of an OSAP loan since 1 April 2023; interest is charged on the Ontario part, including during the six-month grace period. Only Ontario's terms were checked; other provinces set their own.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    By Dr. Salah al-Sawy, 14 October 2012. Supports: interest received is spent on public facilities; it may go to needy relatives but not to parents; move savings to an Islamic bank. US context.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    By Dr. Hatem al-Haj, 7 November 2006, written for a US 401(k). Supports: taking part in an employer retirement plan is permissible, especially with a match; choose Islamic funds first, then stocks on an Islamic index, then the funds with the least prohibited involvement; avoid bonds; purify a share of earnings (his estimate is about 5 to 15 percent). Canadian plans are similar but not named.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    By Dr. Main Khalid al-Qudah, 10 March 2006. Supports: investing through a screened fund is allowed if the prohibited share of profit is deducted and given away (purification).

  • Canada Revenue Agency - Official federal guidance

    Modified 17 September 2026. Supports: a TFSA can hold cash and qualified investments such as stocks, bonds, mutual funds and ETFs, and income earned inside it is generally tax-free.

  • Government of Canada - Official federal guidance

    Updated 3 August 2026. Supports: every person over 18 who works in Canada outside Quebec and earns more than $3,500 a year must contribute to the CPP; Quebec has the QPP. The page does not give an upper age.

  • Assembly of Muslim Jurists of America (AMJA) - Fatwa body resolution

    The insurance and credit card text comes from the Conclusions and Recommendations of the Session on Financial Investments in Islam, an imams' workshop held in Sacramento, 13 to 17 May 2005, which AMJA's third annual convention (21 to 25 July 2005) approved under Topic Six. Supports: commercial insurance is an invalid contract in principle; health insurance is allowed by need until an Islamic alternative exists; insurance that comes with a car purchase is overlooked and an independent insurance contract is allowed only by need; insurance provided by an employer is acceptable; government social insurance is acceptable. Holding a credit card whose contract has an interest clause is allowed by need, on conditions: pay in full, real need, no alternative, no cash advances except in necessity. The page does not address life insurance.

  • Assembly of Muslim Jurists of America (AMJA) - Scholar answer

    By Shaykh Jamaal Zarabozo, 17 June 2012, answering a question from the UK. Supports: scholars in the West 'seem to be in agreement' that the legal minimum of car insurance is permissible, because of the harm of going without it.

  • How credit cards workGovernment of Canada

    Financial Consumer Agency of Canada - Official consumer guidance

    Modified 15 October 2025. Supports: federally regulated card issuers must give at least a 21-day interest-free grace period on new purchases; interest applies if the balance is not paid in full by the due date; cash advances have no grace period and charge interest from the day they are taken.

  • Buy now, pay later plansGovernment of Canada

    Financial Consumer Agency of Canada - Official consumer guidance

    Modified 14 October 2025. Supports: plans can carry set-up and processing fees; after a missed payment the rate can rise, for example from 0 percent to 35 percent, applied either to the whole purchase from the original date or only to the remaining balance, depending on the agreement; risk of overspending.

  • Yaqeen Institute - Research education

    By Dr. Osman Umarji, published 1 July 2021, updated 30 July 2024. Supports: spending on family with good intention is charity; moderation in spending; charity as lasting wealth.

  • Quran.com - Quran text and translation reference

    Cited for: a debtor in hardship is given time until things ease, and forgiving the debt as charity is better. The English wording is a translation of the meaning, checked against The Clear Quran, the default translation at this link.

  • Sunnah.com - Hadith reference

    Sahih al-Bukhari 6780 (Book 86, Hadith 9), in the chapter saying a drinker is not to be cursed and is not regarded as outside Islam. A man was brought to the Prophet repeatedly for drinking; when someone cursed him, the Prophet said, 'Do not curse him, for by Allah, I know he loves Allah and His Messenger.'

  • AlcoholPublic health information

    Centre for Addiction and Mental Health (CAMH) - Public health information

    Says alcohol withdrawal can cause tremors, anxiety, nausea and seizures, and that severe withdrawal (delirium tremens) can be fatal if it is not treated; treatment may begin by managing withdrawal. Cited for the advice to ask a doctor before stopping heavy drinking.