Nasai

(1) The purpose of the chapter heading established by the author rahimahullah is to explain the ruling regarding the sale and purchase of a gold necklace in exchange for gold, in which there are also pearls, gemstones, beads, etc., in addition to gold. The ruling is that the sale and purchase of such a gold necklace in exchange for gold is prohibited until the gold is separated and its weight is determined. Once the weight of the gold is known, then gold equal to that weight should be given, and the pearls, gemstones, and beads, etc., should be separated and their price paid, or whatever agreement is reached, should be acted upon accordingly.

(2) If the necklace, etc., is of such a kind that the gold can be separated from the pearls without damaging it, then after separating, each item should be transacted separately so that the suspicion of usury (riba) can be avoided as much as possible. And if separating them would damage the necklace, then the gold necklace should be bought in exchange for silver (i.e., dirhams), and the silver necklace should be bought in exchange for gold (i.e., dinars), as has been mentioned in hadith number 4576. Nowadays, the price is paid in the form of currency notes, so no issue should arise, nor is there any need for separation. Some individuals have negated the permissibility of selling such a necklace in any way without separating the components and have presented the apparent wording, but this is an unbearable hardship. In this way, selling jewelry would become an unsolvable issue. Along with the wording, the objectives of the Shariah should also be kept in view; otherwise, sometimes ridiculous results are produced.