so does this mean that a person working in meezan bank is not earning haram?
Meezan bank is a so called islamic bank ,
and it is thoroughly proven again and again that islamic banks operates just like traditional banking , all their treasuries are insured just like traditional banking , the financial structure , of their offered banking products , like mudarbah , musharkah , istisna , ijarah etc. are ALL PERFECTLY ISLAMIC .
but this is NOT where the story is ending ,
ask ANY Islamic bank what do they do if some one make a late payment or skips a payment ,
they would say , we will fine him , with CHARITY .
dependent upon the amount and time , at which the payment was delayed .
and to present an argument , they say that if we would not fine people in such a manner , then how can we possibly deal with the issues of late payment .
absolutely logical argument .
but ,
if the amount of fine is not a FIXED administrative service charge .
and is dependent upon the the borrowed money , for a specific amount of time , as a variable indicator .
then my friend , this is the same format the interest is built upon .
x amount , borrowed for an x amount of time , makes you repay an x amount .
dependant upon time . and the amount borrowed . this is simple interest isnt it ?
secondly , NO mainstream islamic bank is declaring their treasuries , investments , and holding to the depositors ,
they just SAY that they invest it in projects . but they don't , everything at the backhand and in the treasuries is controlled exactly in the same way like traditional banking .
so the profit , of islamic banking is haram .
and so is working at an islamic bank would be termed as haram .
IF MEEZAN BANK DECLARES WITH PROOF , all their investments , all their HOLDINGS . ALL THEIR TREASURIES and INVESTMENTS .
to the depositor .
charges a fixed amount for service charge as a penalty , on late payment ,
or ATLEAST a fixed amount , as a penalty , on an amount SLAB system .
then its all healthy .
but , UNTIL UNLESS ,
their treasuries dept . , investments , projects , holdings , are not transparent ,
not only the depositors pool , but the banks OWN holdings as well . ( proven and declared to be flowing out only through Islamic banking products and no other source )
the penalty system offers a fixed penalty , and not a variable penalty dependent upon the amount , and amount of time .
until these two conditions are not MET .
NO BANK IS A ISLAMIC BANK . its all a hoax , and similar to labeling a wine shop with the name of islamic wine .
and slaughtering a dog with a takbeer , and calling it halal .
bottom line . ITS HARAM WORKING IN ISLAMIC BANKS .
because , sood lenay walay denay walay , iskay gawah aur iskay likhnay , aur jitnay bhi directly muaavun log hain , wo sab ke sab shamil hain under the authority of the hadith .
now your second query
f i work for a company that uses bank financing from a conventional bank then will my earning be halal? I think most of the big companies use banking services for financing their operations so their job is also haram? If a school is being run with bank finance, teaching there will be haram?
NO , bro , in this case working there for you would not be haram , because that is the owners OWN act as an individual , and you are NOT responsible for his sins and crimes .
the principle that terms your money as haram and halal , is not decided by the fact that under whom you are working ,
but its decided by the fact , that what exactly are you doing , to ear your income ,
if you are doing something that is HARAM in islam , and earning a living out of it then your money is haram .
but if you are serving and doing a job which is not prohibited in islam ,
but however , the owner of the business likes to earn sood on his earnings , then that is his own act and you are not responsible for it .
you are only responsible for what YOU do to earn your living , not what your employer does to earn his living .
so yes you can go ahead , and join , as long as what you would do , is not labeled as haram in islam .