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Returning Benefits In Excess Of Expenses
When the goods for a Murabaha deal are completely damaged or lost the Takaful company pays the bank a benefit equal to the value of the goods plus ten percent. Is it permissible to accept this excess and may it be used to pay for legal expenses?
It is lawful for the bank to use the benefits paid out to it by the Takaful company to make a direct payment for expenses associated with the insured goods or through its client as an agent on its behalf. The remaining amount if any must be returned to the Takaful company.

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