Surah Fateh

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Surah Fateh Powered By Docstoc
					 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

   Root word is -----z / k / y
 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




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
     Investment:                  Income less Expense :
   Bank balance                Agricultural produce
   Property, ie, plots         Minerals
   Shares /fixed deposits      Business assets like
   Provident fund               Machinery/Warehouse,f
                                 actories etc
   Life insurance
                                House,Buildings/Cars
   Gold
                                 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 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            Obligation between Govt,
And Lord of lords                     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.   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

 Thisfunction 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

 Fesabeelillah; Wide interpretation,
 implication and application, incl. Jihad,
 invitation to Islam, education, anything
 serving the cause of Islam
             Traveller

 IbnisSabeel; 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
nor to grieve.        Al Baqra
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
horded”              Surah Tuba
        Hadith on Punishment
         for not Paying Zakat
 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
   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!
Hassan Ali
 FFC MM

				
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posted:10/5/2012
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