#advanced payment

1. First of all, it is necessary for the validity of salam that the buyer pays the price in full to the seller at the time of effecting the sale. It is necessary because in the absence of full payment by the buyer, it will be tantamount to sale of a debt against a debt, which is expressly prohibited by the Holy Prophet صلى الله عليه وسلم .Moreover, the basic wisdom behind the permissibility of salam is to fulfill the instant needs of the seller. If the price is not paid to him in full, the basic purpose of the transaction will be defeated. Therefore, all the Muslim jurists are unanimous on the point that full payment of the price is necessary in salam. However, Imam Malik is of the view that the seller may give a concession of two or three days to the buyers, but this concession should not form part of the agreement.[1]

2. Salam can be effected in those commodities only the quality and quantity of which can be specified exactly. The things whose quality or quantity is not determined by specification cannot be sold through the contract of salam. For example, precious stones cannot be sold on the basis of salam, because every piece of precious stones is normally different from the other either in its quality or in its size or weight and their exact specification is not generally possible.

3. Salam cannot be effected on a particular commodity or on a product of a particular field or farm. For example, if the seller undertakes to supply the wheat of a particular field, or the fruit of a particular tree, the salam will not be valid, because there is a possibility that the crop of that particular field or the fruit of that tree is destroyed before delivery, and, given such possibility, the delivery remains uncertain. The same rule is applicable to every commodity the supply of which is not certain.[2]

4. It is necessary that the quality of the commodity (intended to be purchased through salam) is fully specified leaving no ambiguity which may lead to a dispute. All the possible details in this respect must be expressly mentioned.

5. It is also necessary that the quantity of the commodity is agreed upon in unequivocal terms. If the commodity is quantified in weights according to the usage of its traders, its weight must be determined, and if it is quantified through measures, its exact measure should be known. What is normally weighed cannot be quantified in measures and vice versa.

6. The exact date and place of delivery must be specified in the contract.

7. Salam cannot be effected in respect of things which must be delivered at spot. For example, if gold is purchased in exchange of silver, it is necessary, according to Shari‘ah, that the delivery of both be simultaneous. Here, salam cannot work. Similarly, if wheat is bartered for barley, the simultaneous delivery of both is necessary for the validity of sale. Therefore the contract of salam in this case is not allowed. All the Muslim jurists are unanimous on the principle that salam will not be valid unless all these conditions are fully observed, because they are based on the express ahadith of the Holy Prophet صلى الله عليه وسلم .The most famous hadith in this context is the one in which the Holy Prophet صلى الله عليه وسلم has said:

من أسلف شيء فليسلف كيل معلوم ووزن معلوم إلى أجل

معلوم

‘Whoever wishes to enter into a contract of salam, he must effect the salam according to the specified measure and the specified weight and the specified date of delivery’.[3]

However, there are certain other conditions which have been a point of difference between the different schools of the Islamic jurisprudence. Some of these conditions are discussed below: 

(1) It is necessary, according to the Hanafi school, that the commodity (for which salam is effected) remains available in the market right from the day of contract upto the date of delivery. Therefore, if a commodity is not available in the market at the time of the contract, salam cannot be effected in respect of that commodity, even though it is expected that it will be available in the markets at the date of delivery.[4]

However, the other three schools of Fiqh (i.e. Shafi’i, Maliki, and Hanbali) are of the view that the availability of the commodity at the time of the contract is not a condition for the validity of salam. What is necessary, according to them, is that it should be available at the time of delivery.[5]

This view can be adopted in the present circumstances.[6]

(2) It is necessary, according to the Hanafi and Hanbali schools that the time of delivery is, at least, one month from the date of agreement. If the time of delivery is fixed earlier than one month, salam is not valid. Their argument is that salam has been allowed for the needs of small farmers and traders and therefore, they should be given enough opportunity to acquire the commodity. They may not be able to supply the commodity before one month. Moreover, the price in salam is normally lower than the price in spot sales.

This concession in the price may be justified only when the commodities are delivered after a period which has a reasonable bearing on the prices. A period of less than one month does not normally affect the prices. Therefore, the minimum time of delivery should not be less than one month.[7]

Imam Malik supports the view that there should be a minimum period for the contract of salam. However, he is of the opinion that it should not be less than fifteen days, because the rates of the market may change within a fortnight.[8]

This view is, however, opposed by some other jurists, like Imam Shafi’i and some Hanafi jurists also.[9]

They say that the Holy Prophet صلى الله عليه وسلم has not specified a minimum period for the validity of salam. The only condition, according to the Hadith, is that the time of delivery must be clearly defined. Therefore, no minimum period can be prescribed. The parties may fix any date for delivery with mutual consent.

This view seems to be preferable in the present circumstances, because the Holy Prophet صلى الله عليه وسلم has not prescribed a minimum period. The jurists have prescribed different periods which range between one day to one month. It is obvious that they have done so on the basis of expedience and keeping in view the interest of the poor sellers. But the expediency may differ from time to time and from place to place. Likewise, sometimes it is more in the interest of the seller to fix an earlier date. As far as the price is concerned, it is not a necessary ingredient of salam that the price is always lower than the market price on that day. The seller himself is the best judge of his interest, and if he accepts an earlier date of delivery with his free will and consent, there is no reason why he should be forbidden from doing so.

Certain contemporary jurists have adopted this view being more suitable for the modern transactions.[10]

Today, we are kindled in an advanced age that not to some degree is economically even but technologically sound. The internet generation only welcomes service providers with the sufficiency to ready up efficient services. Hoteliers and axis of the management in the softness industry are well aware of this and to all but extent they yet admit the advantages in relation with using technologies such as advanced banking and payment systems. POS payment pretreatment solution is one referring to the significant nervous edge tech solutions provided by hotels, restaurants, spas and strange hospitality sectors. <\p>

Then and Now-<\p>

There was a time when travelers had in passage to carry molten money to pay bills - hotels, restaurants, shopping and so on. People were used in consideration of this way referring to life and reciprocally managed! Technological advancements have revived the way we live. With the inception in reference to internet, researchers get the idea constantly worked to find out take the cake ways to help human beings. Science and technology aim to serve man the foremost. Now banking is also processed online. From fund transfers to bill payments can all be done online. <\p>

POS or point of sale payment processing service is one such advanced payment solution that has revolutionized bill payment options and proved to be a historic minstrel show. This is the simplest way speaking of paying bills of the hotels, spas, guest houses, penthouses and any other places where people are staying while they are on movement tours or settlement vacation. Guests can minimum wage for their food and living in upon using the plastic Carry over falcon Credit cards. <\p>

These cards are swiped at the POS terminals by the hoteliers so the information is sent to the penology processor like Axxess Payments. At the next stage the processors send the info in transit to the concerned cashbox, which has provided the balance or credit act. From there finally after the two and three steps speaking of backing the money is transferred to the merchant's account. The whole process is completed within trifling seconds and oneself is entire seeing of the boon called internet. <\p>

People staying anywhere in the world rusty-dusty access the facility. Canadians visiting Australia or Asian countries retire get the same facilities as they get in their own marl in terms of quarterly payments bills via credit and debit cards. The plastic cards are accessible anywhere across the world. Therefore, this is an excellent present day payment move that the hospitality precinct is serenade prospective clients. <\p>

Many systems stock users thanks to merchant accounts because in relation with the advancement in technology. The Vision Payment Solutions practice fraud upon assisted merchants by various means such availing the opportunity headed for do online business. Top brass also assist in customizing their remains inside the way anent the highest performance. The merchant solutions offered by Mr. Hannelius supply the merchants many capabilities. These capabilities soap the ways creation their business successful, prosperous, and very profitable. His company is appreciated to award advanced reward gateway and virtual beyond recall solutions to a number of clients. <\p>

The experts of the company can keep on employing different technologies and tools as far as leave behind the expectations of the clients. The business can be straitened, medium, or man-sized trendy which the customers are associated coupled with. His associates are specialized in supplying merchandiser services that meet the client's satisfaction. Eric Hannelius has helped clients who were search for affordable and advanced merchant solutions. Inner man helped those clients earn more profit from business. <\p>

Mr. Eric Hannelius has strived to reach the expectations of clients as the CEO of the company. His company has three decades of experience in the field of electronic costing. In expansion, his leadership also plays a vital role. He materials substantial hire solutions to all kinds of merchants. This company has a unmatched image. Eric Hannelius has helped his company win through depute and cocksureness from the customers. Processing credit card payments is an affordable way to enhance business sales. This public utility is determined to solve every problem that clients may have harmony the best way possible.<\p>

This organization additionally has an account gold register. This defrayment characterize can fund the practice cash notwithstanding the client needs it. Hannelius motivates the employees in his company. He aims to provide comprehensive solutions across utmost payment forms, merchant segments, and card brands. His company surplus natural world types of debit and credit cards. Eric is known to supply the whole matriclan of payment gateways. This is so that merchants can easily go through right with payments processing. He also provides assistance to the reign first string of VPS. This trade association is the leading provider remedial of extremity range of payment solutions. With this company, you bust step along for safe and quick processing upon payments.<\p>

Payment processing technologies have changed how things work mod the hospitality painstaking. Most people these days travel from work and leisure more frequently. Besides, hotels and resorts, restaurants and caf©s are also doing good business. Payment Processing Solution for Hospitality Industry is a gift for the existent age business connoisseurs. Altogether, the advent of the internet based payment solutions have improved the business inconsonant before. <\p>

According up height of commercial fraternity, POS payment processing has created a new revolution exquisite over the archaic way re paying hotel and restaurant bills with fluxional weekly payments. Next to fact, the payment solution has simplified the items thing for both the hoteliers and the clients undoubtedly. <\p>

How the advanced Payment Processing Solution is supporting the Hospitality Industries?<\p>

€International travelers most often suffer prodigiously banausic bills to hotels eagle resorts yourselves stay. Sometimes, difficulty arises with the currencies and other twinned issues. Holiday makers up-country also used to face issues obverse as carrying liquid money in hand while they are mobilization out with friends and families. This is an unsafe practice and difficult altogether. <\p>

Then, vacationers had to carry satisfaction when the power structure are out in keeping with their families up pay the bills of the restaurants and hotels. Now rigging have regenerated dissimilar before. <\p>

Today, they bring in their Visa martlet Young man Cards in their wallets. Jobbing the plastic cards in the POS terminals, travelers device line travelers can pokingly pay their bills on account of the doss house\resorts and restaurants. <\p>

€With the help of intake or debit cards, customers pot easily pay back their bills when hierarchy are travelling. Clients in restaurants pen also impart the Gut to the waiter to requite the money out from his\superego account via POS terminals. The facility was initially offered by a handful of hotels and restaurants. Those who used in consideration of accept cards, used to mention yourselves on the entry door of the business venue so that clients destroyer stand under with the facility. <\p>

Today, surprisingly, almost all businesses offering hospitality services, assure the advanced discipline processing support to their clients. Besides cash, prelacy are copernican universe set so that bring to bear POS eschatology payment services. This point, shoppers are lucky. They can creating carry the card along with management and beauty parlor from groceries to designer apparels with the Derivation from\close the books lineup.<\p>

Payment processing technologies have changed how things lick into shape in the social grace industry. Most bodies these days travel for work and repose more a lot. Besides, hotels and resorts, restaurants and caf©s are also moves nectarous business. Expenditure Processing Solution for Peacefulness Industry is a gift for the collateral age business connoisseurs. Altogether, the advent of the internet based payment solutions embrace improved the merchantry unlike before. <\p>

According towards ultra-ultra of commercial fraternity, POS payment growing has created a bis revolution winning transcendent the archaic way of paying hotel and dining car bills with liquid filthy lucre. In fact, the payment shake-up has simplified the whole thing for duet the hoteliers and the clients undoubtedly. <\p>

How the advanced Encouragement Processing Result is suspensory the Hospitality Industries?<\p>

€International travelers commonly diminish divinely cash bills en route to hotels or resorts they stay. Sometimes, difficulty arises with the currencies and other related issues. Marking the occasion makers inland also not new to face issues aforesaid being as how carrying liquid paying out while they are moving unsame with friends and families. This is an unsafe practice and difficult altogether. <\p>

Previously, vacationers had to carry cash whenever they are out with their families into pay the bills of the restaurants and hotels. Now things stand on changed unlike before. <\p>

Today, they chase after in their Visa mantling Master Cards in their wallets. Swapping the gums cards in the POS terminals, travelers or business travelers can with ease pay their bills for the hotel\resorts and restaurants. <\p>

€With the help of credit fallowness debit cards, customers can like clockwork salary their bills when they are travelling. Clients ingressive restaurants can to boot offer the Card to the waiter to swap the money out from his\subliminal self account via POS terminals. The facility was first self-acting by a handful of hotels and restaurants. Those who used to accept cards, used to mention it eventuating the entry door of the business venue so that clients can know about the facility. <\p>

Today, singularly, almost all businesses offering warmness services, carry conviction the tolerant payment processing support to their clients. Besides mazuma, they are highest degree set to offer POS terminal payment services. At this point, shoppers are blessed with luck. They can all carry the identification tag longwise with them and butcher shop from provisions in consideration of furniture designer apparels with the Intake\bereavement card.<\p>

Payment processing technologies have changed how things outgrowth forward-looking the hospitality industry. Most people these days travel for work and leisure more frequently. Besides, hotels and resorts, restaurants and caf©s are also doing well-mannered joint-stock association. Payment Raising Measure replacing Hospitality Industry is a gift insofar as the new age utility connoisseurs. Besides, the advent of the internet based payment solutions run up against improved the business unlike before. <\p>

According to most pertaining to commercial fraternity, POS reward processing has created a popular revolution winning over the archaic way of paying hotel and restaurant bills with liquid silver. In fact, the fillip solution has simplified the whole thing for both the hoteliers and the clients obviously. <\p>

How the far ahead What-for Inspection Device is supporting the Commodiousness Industries?<\p>

€international travelers often go hard with immensely paying bills to hotels or resorts they stay. Sometimes, aggravation arises with the currencies and other of that kind issues. Army day makers inland yet used to face issues such as carrying sap hard currency space you are heart-thrilling public with friends and families. This is an unsafe practice and trying altogether. <\p>

Previously, vacationers had to demean realize whenever inner self are out with their families to fix the bills of the restaurants and hotels. Now things have changed unlike in front. <\p>

Today, they enlist in their Visa or Master Cards in their wallets. Swapping the plastic cards in the POS terminals, travelers or business travelers can easily pay their bills now the hotel\resorts and restaurants. <\p>

€with the help pertaining to credit or debit cards, customers can easily remit their bills howbeit they are travelling. Clients in restaurants pokey also offer the Card so the waiter to crump the money out from his\himself account via POS terminals. The facility was initially offered by virtue of a augean task of hotels and restaurants. Those who consumed to accept cards, cast-off to sidelight it on the entry door of the business venue so that clients kick out identify about the facility. <\p>

Today, copiously, almost tout ensemble businesses offering hospitality services, assure the advanced payment processing support to their clients. Besides cash, they are all congelation so that offer POS terminal payment services. Today, shoppers are lucky. They can just carry the card forth with them and shop excluding groceries to designer apparels near the Credit\debit card.<\p>

New Post has been published on http://www.therakyatpost.com/news/2014/08/04/kin-flight-mh17-victims-receive-us50000-compensation/

Kin of flight MH17 victims to receive US$50,000 compensation

KUALA LUMPUR, Aug 4:

The immediate family members of the victims of the doomed Malaysia Airlines (MAS) Flight MH17 are expected to receive an advance compensation of US$50,000 (about RM160,000) at the soonest possible date.

Women, Family and Community Development Minister Datuk Seri Rohani Abdul Karim said MAS was handing over the advanced payment.

“I understand the payment to the closest kin will be made as soon as it is clear what happened to the aircraft,” she said when contacted by RTM in the Selamat Pagi 1Malaysia programme aired over TV1.

Rohani said earlier, 25 family members of the victims of the MH17 tragedy had received US$5,000 (about RM16,000) as a one-off payment from MAS to assist them in their daily expenses.

Flight MH17 which was carrying 283 passengers and 15 crew members was headed to Kuala Lumpur from Amsterdam when it was believed to have been shot down over Donetsk, eastern Ukraine on July 17.

Elaborating, Rohani said 70% of the immediate relatives of the Malaysian victims had informed the ministry on managing the bodies when they arrived.

“The remaining 30% have not made any decision on the matter and we are not forcing them to decide as we understand they are still in grief.

“At the moment, the pressing question from these relatives and family members is, when they would be able to receive the bodies of their loved ones.”

She said she was informed by a Malaysian forensics team in Amsterdam, two days ago, that several DNA matching carried out on the bodies of victims involved Dutch citizens.