zakat
DESCRIPTION
TRANSCRIPT
Objectives & Guidelines
By Faizan Quddoos AndM.Fahd-Un-Nabi Khan
X-OUsman Public School
In the Name of Allah the Most Gracious, the Most Merciful
"O my Lord Open my chest;"
"Ease my task for me;
"And remove the impediment from my speech.
"So they may understand what I say:
sura Ta- Ha---25 / 28
Meaning of Zakat
Two Meaning To Clean , To make it Pure To Remove impediments and help in
growth and development.
Both meanings are Applicable
Concept / Philosophy To share a small part of Allah’s material
blessings with people Who are materially less blessed
Help society at micro and macro level to provide basic needs to all members with dignity and love
To establish the Writ of Allah S WT
Objectives of Zakat
Establish a welfare System in the Society Ensure circulation of wealth Create spirit of sharing Reduce love for Wealth Generate harmony/love in the community
A Way to Earn Rewards
Salat & Zakat Mostly referred In Quran together Both are the Fundamental form of
Worship Mostly mentioned after “Eaiman” Practical demonstration of “Eaiman” Salat Connect Human being with Allah Zakat Connect Human being with
Others
One of Key Pillars
Al-Hajj /78
So establish regular Prayer give regular Zakat and hold fast to Allah! He is your Protector the Best to protect and the Best to help!
Zakat key element of Faith
Al-Baiyina /05
And they have been commanded no more than this: to worship Allah offering Him sincere devotion being True (in faith); to establish regular Prayer; and to practice regular Zakat; and that is the Religion Right and Straight.
One of the most Important Element
Al-Muminun-1/4
The Believers must (eventually) win through
Those who humble themselves in their prayers;
Who avoid vain talk;
Who are active in deeds of Zakat;
Criteria for being Muslim
Al-Tauba-9/11
But (even so) if they repent establish regular prayers and practice regular Zakat they are your brethren in faith: (thus) do We explain signs in detail for those who understand.
Believer pay Zakat
At-Tauba /71
The believers men and women are protectors of one and another: they enjoin what is just and forbid what is evil: they observe regular prayers practice regular Zakat and obey Allah and His apostle. On them will
Allah pour His mercy: for Allah is Exalted in power and Wise.
Zakat is a Worship
Al-Baqara /110
And be steadfast in prayer and regular in zakat: and whatever good ye send forth for your souls before you ye shall find it with Allah; for Allah sees well all that ye do.
Who should pay zakat Any one who has in his possession
more than equivalent of the value of 85 gm gold or 634gm of silver ,over and above his living expenses
On agricultural produce zakat is payable if the value of crop is more than 3265kg of wheat, rice or corn (popular grain)
All adults individually responsible
Applicability of Zakat
On the Personal Wealth (including income less expenses )
In case of business: -On value of merchandise
working capital -on income / profit
Typical Things on which Zakat
is Applicable Investment: Bank balance Property, i.e., plots Shares /fixed
deposits Provident fund Life insurance Gold
Income less Expense : Agricultural produce Minerals Business assets like
Machinery/Warehouse, factories etc
House, Buildings/Cars for rent
Effective Rate P.A “On wealth and Income
2.5% “ On Agricultural produce Irrigated 5.0% Non irrigated” 10.0% “ On Natural resources” 20.0% “Based upon Lunar Calendar”
What is Exempted House in which one lives or maintained
for personal purposes. (on House given on rent its on rent income)
Personal goods of use, cars, furniture Jewelry of daily use (not for investment
purpose) Operating assets like machinery,
building etc(The zakat is an the income less expenses )
Zakat is not a Taxzakat Tax
It is Purification of wealth/income
It is a Worship
Earn reward for paying
Obligation between servant And Lord of lords
Fixed rates & Rules
Could be distributed directly
Used for specific purposes
No way to hide /cheat
It is a burden /Tax
It is a Liability No rewards
Obligation between Govt.,and its Citizen
Changes from time to time
Only Govt., uses as per its discretion
Used for all purposes
Lot of ways and means to reduce/cheat/hide
Who Qualify for Zakat
Alms are only (exclusively) for the poor and the needy and those employed to administer, and those whose hearts are to be reconciled and to free the captives and those in debt and in the way of Allah and the wayfarer a duty imposed by Allah and Allah is Knowing, Wise” Surah Tuba:60
Recipient of Zakat
1. Fuqara
2. Maskeen
3. Administrator
4. Influencing heart
5. Freeing from bondage
6. Debtors
7. In way of Allah
8. Wayfarer
Fuqara & Maskeen Fuqara is penny less and Maskeen is needy
one Poor & Needy, one or two classes?
The operative criteria which determines poverty is not how little a person has, but whether it is enough or not
Basic need includes food & clothing for the person and his family as well as reasonable accommodation and furniture and necessary tools for his trade and means of transportation
Richness means owning what is enough for ones need; A person in need qualifies as poor & needy
Administrators
Aameleen; Those employed for Collection and maintenance of record, paid from Zakat, even if they are rich
Wages should not exceed half the Zakat collection
Only those employed by State
Influencing Hearts
Maallafatatil Quloob; Influence hearts towards Islam thru charity, kindness
This function can be performed only by the State and not individuals
Freeing from Bondage
Riqab; neck, signifies someone who is freed from bondage
Slaves and captives of war
Debtors
Gharimeen; Debt, bankruptcy Condition that debtor himself should
not possess sufficient funds or goods to clear the debt
Debt incurred for legitimate purpose incl. Blood money, unexpected penalty and not due to gambling, drinking, intoxicants or lavish expense in marriage
In Way of Allah
Fe sabeelillah; Wide interpretation, implication and application, incl. Jihad, invitation to Islam, education, anything serving the cause of Islam
Traveler
Ibnis Sabeel; Can be paid from Zakat, even though he may be rich at home, if during the journey he becomes destitute and unable to meet his expenses to return
Hadith on Distributionof Zakat “Allah has not entrusted the distribution
of Zakat to a prophet, given a message to convey or to an angel who has a favored position with Allah. He Himself has ruled on its distribution and divided it between 8 groups of people. If you belong to any of these, I will give you Zakat. If not then you may not have any of it”
Where zakat can’t be used For persons with sufficient / adequate
means of living For ones dependents like “parents,
children. Trust for investments. Buying luxury goods. On wasteful Activities. On road works and infrastructure.
Why Pay Zakat
Zakat Increases Wealth
Ar-Rum-39
The interest that you give in order to increase the wealth of the people, does not increase in the sight of Allah: and the Zakat that you pay in order to win Allah’s approval, its payer do indeed increases their wealth.
People who pay Zakat are Successful
Luqman/04
Those who establish regular Prayer and give regular Zakat and have (in their hearts) the assurance of the Hereafter.
People who will be rewarded
Al Baqra
Allah deprives Interest of all blessing and develops Charity, and Allah does not like an ungrateful, sinful person. As to those who believe and do good deeds, establish Salat and pay Zakat, they will most surely have their reward with their Lord and they will have nothing to fear nor to grieve.
Zakat is Over and Above the Normal Sadaqat
Zakat is Over and Above the Normal Sadaqat
Al-Baqara-177
It is no virtue that you turn your faces towards the east or the west, but virtue is that one should sincerely believe in Allah and the Last Day and the Angels and the Book and the Prophets and, out of His love, spend of one's choice wealth for relatives and orphans, for the needy and the wayfarer, for beggars and for the ransom of slaves, and establish Salat and pay Zakat. And the virtuous are those who keep their pledges when they make them and show fortitude in hardships and adversity and in the struggle between the Truth and Falsehood; such are the Truthful people and such are the Pious
Punishment for not Paying Zakat
Surah Tuba
“& those who hoard up gold & silver & do not spend in the way of Allah, proclaim a grievous punishment, on the day when it (horded wealth) shall be heated in the fire of Hell, then their foreheads & their sides & their backs shall be branded with it, this is what you hoarded up for yourself, now taste what you horded”
Hadith on Punishmentfor not Paying Zakat Narrated by Abu Huraira “Whoever is made wealthy by Allah
and does not pay the Zakat of his wealth then on the Day of Resurrection his wealth will be made like a bald-headed poisonous male snake with two black spots over the eyes. The snake will encircle his neck and bite his cheeks and say, “ I am your wealth, I am your treasure,”
Al Bokhari 486, Chapter Zakat
Why Muslims are Suffering "O Muhajirun, beware of five traits: if ever immorality
spreads in a community and there is no sense of shame on its occurrence or mentioning it [and people talk about it as if nothing bad has taken place], diseases which were not present in the time of their predecessors will spread among them. If they decrease the measure and weight (of sold grains or food), they will be overcome by poverty, their provisions will decrease and their ruler will be unjust. If they refrain from paying the zakah due on their properties, they will be deprived of rain, unless they get it only for the sake of their cattle. If they renounce their commitment to Allah and His Messenger, they will be governed by an enemy who is a stranger to them and who will take away some of what they possess. If their rulers do not rule according to Allah's Book, they will be afflicted by civil war. Allah forbid that these should happen to you."Ibn Maja
O my Lord! Be merciful to us because of (our link with) the Quran; Make it for us a leader, and a source of light, guidance and mercy, cause us to recall from it what we have failed to understand; give us strength to recite it day and night; and make it a plea for our salvation, O Lord of the worlds – Ameen!