Transcript Surah Fateh

Zakat
Objectives
&
Guidelines
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
Contents

Introduction
 Concept and Objectives
 Importance
 Guidelines for Calculations &Payments
 Rewards and Punishments
 Key Features/Summary
 Open Discussion
Meaning of Zakat
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Root word is -----z / k / y
 Two Meaning
 To Clean , To make it Pure
 To Remove impediments and help in growth
and development.
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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
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!
Al-Hajj /78
Zakat key element of Faith
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.
Al-Baiyina /05
One of the most Important Element
The Believers must (eventually) win through
Those who humble themselves in their prayers;
Who avoid vain talk;
Who are active in deeds of Zakat;
Al-Muminun-1/4
Criteria for being Muslim
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.
Al-Tauba-9/11
Believer pay Zakat
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.
At-Tauba /71
Zakat is a Worship
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.
Al-Baqara /110
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

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Investment:
Bank balance
Property, ie, plots
Shares /fixed deposits
Provident fund
Life insurance
Gold
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Income less Expense :
Agricultural produce
Minerals
Business assets like
Machinery/Warehouse,f
actories etc
House,Buildings/Cars
for rent
Effective Rate P.A
“On wealth and Income
2.5%
“ On Agricultural produce
Irrigated
Non irrigated”
 “ On Natural resources”
5.0%
10.0%
20.0%
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“Based upon Lunar Calendar”
What is Exempted
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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 Tax
zakat
Tax
It is Purification of wealth/income
It is a burden /Tax
It is a Worship
It is a Liability
Earn reward for paying
No rewards
Obligation between servant
And Lord of lords
Obligation between Govt,
and its Citizen
Fixed rates & Rules
Changes from time to time
Could be distributed directly
Only Govt, uses as per its discretion
Used for specific purposes
Used for all purposes
No way to hide /cheat
Lot of ways and means to
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.
2.
3.
4.
5.
6.
7.
8.
Fuqara
Maskeen
Administrator
Influencing heart
Freeing from bondage
Debtors
In way of Allah
Wayfarer
Fuqara & Maskeen
Fuqara is penny less and Maskeen is needy one
Poor & Needy, one or two classes?
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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
Traveller
 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 Distribution
of 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
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.
Ar-Rum-39
People who pay Zakat are
Successful
Those who establish regular
Prayer and give regular Zakat and
have (in their hearts) the
assurance of the Hereafter.
Luqman/04
People who will be rewarded
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
Al Baqra
nor to grieve.
Zakat is Over and Above the Normal Sadaqat
Zakat is Over and Above the Normal Sadaqat
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 ones’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
Truthfull people and such are the Pious
Al-Baqara-177
Punishment for not Paying Zakat
“& 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
Surah Tuba
horded”
Hadith on Punishment
for not Paying Zakat
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Narated 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
Summary
Zakat Salient Features
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Part of basic faith
One of the key form of worship
A way to thank Allah
Must be paid by every one Who have sufficient
income /wealth
Fixed rates 2.5%(general)5% to 20% on Natural
Produce
Must be paid every year (lunar)
Payable only to selected people / purpose
Ownership has to be transferred
Important to give to the Right beneficiaries
The Payments of Zakat should not be
reduced/avoided
The unpaid past zakat should be paid
Prayer
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!
Open
Discussion