1) What is the hukum in joining 'Income Generating Program by Mail’?

According to the book of Fiqh & Perundangan Islam by Dr. Wahbah al-Zuhaili page 855 section VII:

The program is included in the Multi Level Marketing program. Although this program does not include the sale of goods which are expensive but by waiting and expecting profit from the network of participants to get rich. Therefore, there is doubt of the profit given to each participant The Prophet SAW said:

“دع ما يريبك إلى ما لا يريبك “

(Leave anything that you doubt, move on to something that is certain).

2) What is the difference between hukum on Conventional Insurance and Takaful Insurance?

1) Conventional Insurance practised fasid(imperfect) or corrupted ways because it contains gharar (doubt), maisir (gambling) and riba (interest). Therefore, it's haram.

2) Takaful insurance practises tabarru' (donation). This policy coincides with Islamic and is safe from the elements gharar and gambling. Therefore, it is halal.

3) My wife had lent money to my mother (her mother-in-law) RM 250.00 to develop the land she inherited. My mother died and the land is inherited by my sister. My wife has demanded payment of the debt in the amount of RM20, 000.00.

Only RM250.00 needs to be paid on the debt with no additional cost. The remaining payment is at the discretion of the person that inherited the land.