Zakat

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!