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Can he sell an item to someone who pays for it with a cheque from a riba-based bank?

Question: 104242

I work in a company that sells electrical items as a sales representative. When I sell to the customer, he gives me a bank cheque, and each customer writes a cheque from a different bank, either riba-based or otherwise. Then I give the cheque to the accounts department, and they transfer it to the company’s account in their own bank. My question is: is dealing with these cheques regarded as participating in or helping to perpetuate riba in those banks, or consuming people’s wealth unlawfully, or supporting the banks?.

Praise be to Allah, and peace and blessings be upon the Messenger of Allah and his family.

There is nothing
wrong with accepting the payment from the purchaser in the form of a cheque,
even if it is from a riba-based bank, and there is nothing wrong with
dealing with riba-based banks in cases of necessity to protect money if
there is no Islamic bank, subject to the condition that the money is put in
non-interest-bearing accounts in those banks. Please see the answer to
question no. 22392

Engaging in
transactions with people who deal with riba or put their money in riba-based
banks is permissible. That is indicated by the reports which prove that the
Prophet (blessings and peace of Allah be upon him) and his Companions
engaged in transactions with the Jews in Madinah although they, as Allah,
may He be exalted, has told us, consume unlawful wealth and take riba. 

It is permissible
with you to sell to this customer who deals with riba, even if he pays from
his riba-based account or with a loan that he took from a riba-based bank. 

Giving the cheque
to the accounts department and transferring the money to the company or to
the bank used by the company is not regarded as recording or writing down
riba; rather it is writing down and recording the price that was taken in a
permissible and Islamically acceptable manner. It makes no difference
whether the purchaser pays for it in cash or with a cheque. 

Shaykh Ibn
‘Uthaymeen (may Allah have mercy on him) said: It is permissible to engage
in transactions with a person who deals with riba, but those transactions
should be done in a proper manner. For example, it is permissible to buy
from this man who deals with riba, if the product is bought from him in
return for money, and it is permissible to take a loan from him, and there
is nothing wrong with that. The Prophet (blessings and peace of Allah be
upon him) used to engage in transactions with the Jews even though they
consumed haraam wealth, and he accepted gifts from them and he accepted
their invitations. He sold to them and bought from them. He accepted their
gifts, as in the story of the Jewish woman who gave him a (roasted) sheep on
the day of the conquest of Khaybar. And he accepted their invitations, as he
accepted the invitation of a Jewish boy in Madinah. And he bought food for
his family from a Jewish man and gave him his shield in pledge, and he died
when his shield was still being held in pledge. 

To sum up, if a
person earns money from haraam sources, and you engage in a permissible
transaction with him, there is nothing wrong with you doing that.

End quote from
Fataawa Noor ‘ala ad-Darb 

And Allah knows best.

Source

Islam Q&A

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