✅Answer: Digikala is an online sales company that has recently provided installment sales options.

In the new conditions of Digikala, for installment purchases through 'DigiPay,' you receive a loan with 11-month installments and an 18% interest rate, and so on, through an investor like Tejarat Bank's system ('Asan Kharid') and others. With a 5% initial commission from the Digikala company, you pay a total of 23% extra for the installment payments to the two companies.

In other words, if you request an installment purchase, Digikala, through 'DigiPay,' which is a subsidiary of Digikala, grants a loan and credit to the individual through some financial institutions like Tejarat Bank, depending on some of the applicant's conditions. It then charges their wallet, and the applicant uses this money to purchase the desired item from Digikala and pays back the mentioned credit and loan with an 18% profit, and so on, over 11 months or less, to the mentioned financial institution. In fact, the person takes a usurious loan from that institution but makes the purchase from Digikala!

✅ First, observe the permissibility of buying on credit or with a deferred payment for a higher price than the cash price in the following sample narrations:

📚 Qurb al-Isnad, p. 372

In a hadith, Ahmad ibn Muhammad said: I said to Imam Reza (peace be upon him): 'May I be sacrificed for you, the city of Kufa has destroyed me (I have no rest or peace in it), and livelihood is scarce in that city, and our livelihood is in Baghdad, and from this mountain (meaning Baghdad), the door of provision has been opened for the people.' The Imam said: 'If you intend to go, then go, for this year is a year of distress and anxiety, and people have no choice but to seek a livelihood, so do not abandon seeking (provision).' I said to the Imam: 'May I be sacrificed for you, they are a wealthy group and we can tolerate a delay, should we make a one-year deal with them?' He said: 'Sell to them (for one year).' I said: 'What about two years?' He said: 'Sell to them.' I said: 'What about three years?' The Imam said: 'There will be nothing for you for more than three years!'

In another hadith in 📚 Al-Kafi, vol. 5, p. 207, the same narrator said to the Imam: 'If we sell to them for one year, the profit is more for us.' The Imam said: '(There is no problem) sell to them for one year!'

📚 Al-Kafi, vol. 5, p. 206

The Commander of the Faithful (prayers of God be upon him) said: 'Whoever sells a commodity and says: 'Indeed, its cash price is such and such, and its deferred price is such and such, and you can take it for whichever you want,' and he makes the purchase agreement unified and just so, he said: '(If he makes the deal this way) then he is only entitled to the lesser of the two amounts, even if it is on a deferred basis.' And he said: 'Whoever puts two prices on his commodity, one for cash and one for deferred, then he must mention one of the two before the purchase and sale agreement.'

✅ But unfortunately, instead of selling its own goods to the applicant in installments according to the above rulings, Digikala facilitates the granting of a loan with a specific profit for them. The applicant then buys from Digikala with the loan granted by the financial institutions, and this situation causes the applicant to get involved in a usurious loan:

📚 Al-Tahdhib, vol. 7, p. 18

Imam Sadiq (prayers of God be upon him) said in a hadith to Umar ibn Yazid: 'O Umar, indeed God has made buying and selling lawful and has made usury unlawful. Sell and profit and do not take usury!'

✅ Therefore, an installment purchase from Digikala, in the form of a usurious loan for a purchase, makes the introduction to this purchase unlawful and forbidden.

https://feghh14.com/en

In the name of God, the Most Gracious, the Most Merciful

Review

Question 397: If someone thinks the time for prayer has begun and starts praying, but the time has not yet begun, and during the prayer, they hear the correct and timely call to prayer, is their prayer valid?

Prayer time

Prayer

Doubt

Outside of time

Morning prayer

Repetition

Praying outside of time or with doubt about the time

https://feghh14.com/en/549

Question 398: Does a wet dream during the day invalidate a make-up fast or a voluntary fast?

Wet dream

Make-up fast

Voluntary fast

Wet dreamer

Five things that break the fast of a fasting person

A person who sleeps in Ramadan and has a wet dream

Fasting

https://feghh14.com/en/550

Question 399: If someone performs 'aqiqa' (a sacrifice for a newborn) for himself, can he eat from it or not?

Aqiqa

Newborn

The seventh day

Charity

The people of Wilayah (guardianship)

Mother

Precaution

Clipping nails

Disliking

Friday

Clipping nails and trimming the mustache and washing the head with 'khatmi' on every Friday

Poverty

Provision

Leprosy

Insanity

Vitiligo

Blindness

Reciting 'ta'qib' (supplications after prayer)

Instructions for increasing provision and livelihood

Friday

Pain

Medicine

Mustache

Nails

Saturday

Thursday

Toothache

Eye pain

Acts and etiquette of Friday

https://feghh14.com/en/551

Question 401: What actions are forbidden during the 'qamar dar aqrab' (moon in Scorpio) period?

Moon in Scorpio

Travel

Marriage

New moon

Miscarriage

Protective amulet (hirz)

Imam Jawad's protective amulet

Wednesday

Charity

Travel

Ayat al-Kursi

Cupping therapy (hijamah)

What sins cause calamities to descend

Calamity

Enjoining good

Forbidding evil

Punishment

Red wind

Swallowing by the earth

Metamorphosis

Trust

Forbidden

Guest

Prayer

Zakat

Famine

Drought

Haste of the relief (of the Imam)

Punishments for sins

https://feghh14.com/en/554

Question 403: At what times should the supplication 'Allahumma kun liwaliyyik' be recited?

Ramadan

Prostration

Supplication for the remnant of God

https://feghh14.com/en/558

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