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ZAKAT / SADAQAH
1. Introduction Taking into account its very nature, it is no wonder that Zakat constitutes one of the five pillars of Islam. It is associated with Salat (prayer) in eighty-two Qur'anic verses. ALLAH (swt), the Exalted One, Prescribed in His Book (The Qur'an), His Messenger corroborated it by his (Sunnah). The payment of Zakat formulates healthy impact on the giver, recipients, and the society at large. It purifies the assets of the giver, restrains his lust for material goods and creates in him the virtue of sharing his wealth with others. It uplifts him from a life of material pursuits to a life endowed with moral purpose. Zakat satisfies the recipient's needs and alleviates his suffering. Poverty is an invitation to disbelief; it denies virtues. That's why Islam, instead of abandoning poor to the caprice of the rich, makes a compelling demand for its payment. The payer pays Zakat as an act of worship while the destitute receives it as a right, without any obligation towards the payer. Zakat thus, creates love and brotherhood between the rich and the poor; it minimizes social tension and bridges the gap between the haves and have-nots. It provides social and economic security to the Muslim community and brings its members closer together. Its rewards are boundless and incalculable. 2. Definition Literally, Zakat means purification, growth, righteousness
and blessing. It is defined in Shariah as a specific amount due in the
property of Muslims to be distributed to the deserving. The obligatory
character of Zakat is spelled out in (Surah Taubah 9: V.
Zakat also means growth: one says Zakat_azZar meaning the plant grew. The meaning is construed as to cause growth in wealth or as to cause more reward or as to pertain to increasing wealth, such as is the case in commerce and agriculture. The second meaning is also supported by the Tradition 'No wealth decreases because of Sadaqat.' 'ALLAH (swt) increases the reward of Sadaqah.' The first meaning is construed to imply that Zakat purifies the human soul from the vice of avarice as well as sins." Zakat is not a tax. Zakat is essentially a spiritual obligation.
a) Zakat b) Zakat-ul-Fitr
iii) "Take Sadaqah (alms) from their wealth in order
to purify them and sanctify them with it, and invoke ALLAH for them. Verily,
your invocations are a source of security for them; and ALLAH is All-Hearer,
All-Knower." (Surah At-Taubah 9 iv) "That which you give in Zakat seeking ALLAH's Countenance, then those they shall have manifold increase." (Surah Ar-Rum 30 V. 39) Here ALLAH (swt) tells the believers that those who pay Zakat for the pleasure of ALLAH (swt) then He will pay them back in Akhirah in manifolds. v) "Say (O Muhammad: "I am only a human being,
like you. It is revealed to me that your Illah is One Illah (ALLAH), therefore
take Straight Path to Him and obedience to Him, and seek forgiveness of
Him. A woe to Al-Mushrikun. Those who give not the Zakat and they are
disbelievers in the Hereafter. (Surah Fussilat vi) Those who spend their wealth by night and day, in secret and in public, they shall have their reward with their Lord. On them shall be no fear, nor shall they grieve.( Surah Al-Baqarah 2 V. 274) In this Verse ALLAH (swt) says that those who spend in the way of ALLAH (swt) will not have the fear of Hell in the Akhira nor they will grieve. vii) Who believe in Ghaib and perform As-Salat (Iqamat-as-salat),
and spend out of what we have provided for spend out of what we have provided
for them [i.e. give Zakat, spend on themselves, their parents, their children,
their wives, and also give charity to the poor and also in ALLAH's Cause-Jihad].
(Surah Al- Baqarah 2 V. 3) In this Aayah ALLAH (swt) sets the condition
for a person to be viii) If you disclose your Sadaqah, it is well; but if you conceal them and give them to the poor, that is better for you. (Allah) will expiate you some of your sins. And Allah is well-Acquainted with what you do. (Surah Al-Baqarah 2 V. 271) In this Aayah ALLAH (swt) says that if we reveal our charity or conceal it is both acceptable (conditional) but if we conceal it then in return ALLAH (swt) would forgive some of our sins.
i) At- Tirmidhi relates from Abu Kabshah al Ammari that the Prophet (saw) said: "I swear upon three (things) and ask you to memorize my words: Sadaqah taken from a property never decreases it; a man who suffers injustice and is patient with it, ALLAH (swt) will grant him strength; a man who starts begging, ALLAH (swt) will cause him to be poor." ii) Ahmad and at- Tirmidhi relate (and the latter graded it sahih) from Abu Hurairah that the Messenger of ALLAH (saw), said: "ALLAH (swt) receives charity by His right hand, and then He causes it to grow for each of you. Just as you raise a horse, colt, foal, or young camel, so that morsel becomes as large as the Mount of "Uhud." Of this hadith's content, Waki' says: "This is sanctioned by the Qur'an: 'Do they not know that it is ALLAH (swt) alone who can accept the repentance of His servants and is the (true) recipient of whatever is offered for His sake -and that ALLAH (swt) alone is an acceptor of repentance, a dispenser of grace?' surah- Taubah 104]. 'ALLAH (swt) deprives usurious gains of all blessing, whereas He blesses charitable deeds with manifold increase.' [al Baqarah 276]. iii) Again, Ahmad relates, with a sound chain of narrators,
that Anas said: "A man from the tribe of Tameem came to the Messenger
of ALLAH (saw) and said: '0 Messenger of ALLAH (saw)! I have plenty of
property, a large family, a great deal of money, and I am a gracious host
to my guests. Tell me how to conduct my life and how to spend. 'The Messenger
of ALLAH (saw) iv) On the same subject, al-Bukhari and Muslim relate that Jabir ibn 'Abdullah reported: "I gave my allegiance to the Messenger of ALLAH (saw) that I will establish Salat (prayers) and Zakat, and I will give advice to every Muslim." v) It was reported from 'Aishah that the Messenger of ALLAH (saw) said: I swear upon three things: ALLAH (swt) does not equate one who has a portion in Islam with one who does not. The portions of Islam are three: prayer, fasting, and Zakat. If ALLAH (swt) takes care of a man in this world, He will take care of him on the Day of Judgment. If a man likes a group of people, ALLAH (swt) will certainly include him among them. As for the fourth, if I swear on it, I hope I will not commit a sin: that if ALLAH (swt) conceals a man's sin in this world, He will certainly not expose him on the Day of Judgment" vi) Ahmad, Bukhari and Muslim relate from Abu Hurairah that
the Prophet, 5. Punishment for not giving Zakat in Quran i) "O you who believe! Verily, there are many of the
(Jewish) rabbis and the ii) "On the Day when that (Al-Kanz: money, gold and silver, the Zakat of which has not been paid) will be heated in the Fire of Hell and with it will be branded their foreheads, their flanks, and their backs, (and it will be said unto them):- "This is the treasure which you hoarded for yourselves. Now taste of what you used to hoard." (Surah At-Taubah 9 V. 35) In this Aayah we Muslims are told that if we do not spend (Zakat) in the way of ALLAH (swt) but instead we collect then, the same wealth ALLAH (swt) will use to punish us. iii) "And let not those who covetously withhold of that which ALLAH has bestowed on them of His Bounty (wealth) think that it is good for them. Nay, it will be worse for them; the things which they covetously withheld shall be tied to their necks like a collar on the Day of Resurrection. And to ALLAH belongs the heritage of the heavens and the earth; and ALLAH is Well- Acquainted with all that you do." (Surah Al-Imran 3 V. 180) In this Aayah the similar message is given to believers that if we do not pay (Zakat) in the way of ALLAH (swt) then we will be punished in Aakhira. 6. Punishment for not giving Zakat in Ahadith i) Ahmad, Al-Bukhari, and Muslim relate from Abu Hurairah that the Messenger of ALLAH (saw) said: "No owner of a treasure who does not pay Zakat will be spared, for this treasure will be heated in the Fires of Hell and then made into plates. His flanks and his forehead will be branded with them until ALLAH (swt) pronounces judgment on His servants during a day lasting fifty thousand years. ii) Al-Bukhari and Muslim relate from Abu Hurairah that
the Prophet (saw), said: "Whoever is made wealthy by ALLAH (swt)
and does not pay Zakat on his wealth, on the Day of Judgment it will become
a bald-headed, poisonous, male snake with two black spots over his eyes.
The snake, on the Day of Judgment, will encircle his neck, and bite his
cheeks and say: 'I am your treasure, I am your wealth.' "The he [the
Prophet (saw)] recited this 'ayah:" 7. Who is obliged to pay Zakat a) Zakat must be paid by every Muslim who has a nisab, which is the minimum of one's holdings liable to Zakat. The nisab is conditioned by the following: i) That the possessor of wealth must be a free man ii) That the person on whom Zakat becomes obligatory must be sound mind iii) That Zakat is obligatory upon possessors of wealth who are adults iv) That the possessors enjoy full ownership and possession of his wealth v) Zakat should be paid on any amount of money remaining after meeting the expenses for such necessities as food, clothes, housing, vehicles and craft machines. vi) A complete year of Islamic calendar should pass, starting from the very day of the nisab's possession, without any decrease during the year. In case of its decrease (being less than nisab), the year count (hawl) starts from the day of the nisab completion.
b) The insolvent Debtor Whoever has property must pay its proper Zakat. If the property is indebted, he may first pay off his debt, then in case the remainder is enough to constitute a nisab, he must pay Zakat. If he does not hold the nisab, he does not have to pay it since he is poor. The Messenger of Allah (saw) said: "Only the wealthy are required to give charity." This hadith is related by Ahmad and al-Bukhari. The latter records it in mu'allaq form. The Prophet (saw) also said: "Zakat is levied on the rich and paid to the poor." It is all the same, whether he is indebted to Allah or to man, because one hadith states: "Allah's debt is more deserving of fulfillment." c) Zakat for the Dead Person If a person dies before he pays Zakat, then it must be taken from his estate. A man came to the Messenger of Allah (saw) and said: "My
mother died while she still had to make up one month of fasting. Shall
I make it up for her?" The Prophet d) The Niyyah (Intention) Since the payment of Zakat is an act of worship, its validity depends upon the expression of one's intention. That is, the Zakat payer should pay it for the sake of Allah; he should make up his mind, with all of his heart, that Zakat is an obligation to be discharged. Allah (swt) says: "And they are commanded no more than this: to worship Allah (swt), sincere in their faith in Him alone" [al-Bayyinah 5].
8. The Recipient of Zakat There are eight (8) categories of the beneficiaries of Zakat
which ALLAH (swt)
ii) The needy (Al-Masakeen): The needy, along with the poor mentioned above, are those who do not even have basic needs fulfilled. This category parallels the category of the rich who have all they need. As mentioned elsewhere, a person is considered rich if he possesses the nisab--that is, an amount in excess of his essential needs or those of his children with regard to food, drink, clothing, housing, animals, tools of his trade, and similar other necessities. Thus, one who lacks all these is considered poor (fuqara') and qualifies for Zakat. iii) Collectors of Zakat: Zakat collectors are officials
appointed by the leader or his deputy to collect it from the rich. Among
them are the custodians of iv) Reconciliation of hearts: This applies primarily to that group of people whose hearts, due to their weak Islam, need to be reconciled or strengthened for Islam. In this case, Zakat is distributed to rid Muslims of their evil, or to procure their assistance in the defense of Muslims and the second category of people in this regards are recently converted Muslims. v) Freeing Captives: This category includes two kinds of slaves: contracted slaves (rnukazabun) and regular slaves. Both categories were aided with sadaqah to obtain their freedom (in present days we don't have the system of slavery) vi) Debtors: People who are burdened by debts for their basic needs i.e. food, clothing, house, businesses and unable to pay them back. vii) For the Cause of Allah: Fee sabil lillah means for the sake of Allah--that is, making use of knowledge and deeds to attain Allah's pleasure. Most scholars understood this phrase as fighting for the cause of Allah. Part of Zakat designated for the cause of Allah is given to volunteer fighters, especially those who are not on the payroll of the state, regardless of their financial status. viii) For the Wayfarer: a person traveling within his own country or one traveling in a foreign country. Both of them are entitled to Zakat, even though they could find someone to lend them the needed amount and they have enough resources in their own country to pay their debts. Note: There are two school of thoughts for the recipients of Zakat i) One who gives, Zakat should equally distribute among all the above mentioned categories ii) One who gives Zakat should find out the most needed recipient from the above mentioned categories and give him the entire amount of the Zakat. 9. The Holding subjects to Zakat
i) Zakat on Crops: Allah has made Zakat obligatory on plants and fruit, for He says: "O you who believe! Spend of the good things which you have earned and of that which We bring forth from the earth" [alBaqarah 267]. Zakat is called expenditure (nafaqah). Giving the justification for paying Zakat on produce, ALLAH (swt) says: "He it is who produces gardens trellised and untrellised, and the date palm and the crops of diverse flavors, and the olive, and the pomegranate, like and unlike. Eat of the fruit thereof when it produces fruit, and pay its due upon the harvest day" [alAn'am 141]. In his explanation of the word huqq (due) in the preceding 'ayah, Ibn 'Abbas says that by huqq is meant both the obligatory Zakat and the 'ushr (tithe) and the half-tithe. Note: The Nisab value for the crops is when the produce from land is less than five wasaq (725Kg) Zakat is not payable (reference: Sunan An-Nisaai - V 2: 2330)
The minimum nisab for silver is where the quantity of silver
is less than five ouqia (52 ½ tolas or 612 gram) it is exempted
from Zakat. Zakat is payable on silver 2 ½ percent either on its
value or its weight. (Sahih Al-Bukhari V. 2 Note: The value of twenty Dinars weighed seven and half tolas (87gram). And the value of five ouqia is equal to (52 ½ tolas or 612 gram)
iv) Zakat on Treasures: On the discovery of buried treasure (rikaz) Zakat is to be charged at 20%. As per "Abu Huraira the Messenger of ALLAH (saw) stated: if one is wounded by an animal, there is no recompense for injury. If one digs a well and someone falls into it, no one can help it. If a person engages a labourer for wages to work in the mine and the labourer accidentally dies, the owner is not to blame. If you stumble upon a treasure trove, pay 20% of it by way of Zakat." There is no proof in the traditions of any minimum exempt from levy. (Reference: Sahih Al-Bukhari V. 2: 575) v) Livestock: The Zakat is also compulsory on livestock i.e. camels, cows, sheep, goat, etc. kindly refer to the related Ahadith: Abu Saeed Khudri (RA) transmits that the Messenger of ALLAH
(saw) has said, No Zakat need be paid if you have less than five, i.e.
four camels only. According to Abdullah bin Mas'ood (RA) the Messenger of ALLAH (saw) had fixed on 30 cows one calf (more than one-year old) and on 40 cows one calf (more than two-year old) as Zakat. (Sunan At-Tirmidhi)
Bah'zibni Hakem (RA) states from his father and he from his grand father that the Messenger of ALLAH (saw) declared: For every 40 camels which drain their sustenance from grazing in fields or forest, one she-camel (two- year old and running its third year) will be taken as Zakat. (Abu Dawood) Note: Please find attached herewith Annexure 'A' (Zakat Calculator) for your reference.
Qabisah ibn Mukhariq al-Hilali reported: "I had a debt. I went to the Messenger of ALLAH (saw), and asked for his help. He answered: 'Wait until we have funds for Sadaqah, then we will give you some.' He also said: 'O Qabisah, Sadaqah is justified only for the following three: first, a man who is in debt, for his case makes it permissible to receive [alms] until his difficulty is resolved; second, a man who is struck by calamity which destroys his holdings, which also makes it permissible for him to receive [alms] until he is in a position to earn a sustenance [or he said, ' .. what satisfies his needs and makes him self-sufficient']; and third, a man who has been reduced to poverty and three persons of caliber from among his people testify to his desperate situation will receive until he finds for himself a means of support [or he said, . What satisfies his needs and makes him self-sufficient']. Other than these cases, O Qabisha, it is not permissible. A person receiving it (Sadaqah) will be consuming forbidden holdings.' "This is narrated by Ahmad, Muslim, Abu Dawud, and an Nasai. 11. People forbidden for the Zakat
ii) It is not lawful to give Zakat to non-Muslim, except those non-Muslims who have a soft corner for Islam. Winning their hearts and uniting in friendship is considered as a desirable act. According to Ibn Abbas (ra) the Messenger of ALLAH (saw) told Mu'adh when he was sent to Yemen: Let the people know that Muslims owe compulsory levy of Zakat which will be taken from their rich and given to their Poor. (Bukhari) iii) It is not just and proper to give Zakat to a rich or healthy (able-bodied) person. Abdullah bin Amr narrates that the Messenger of ALLAH (saw) never approved of Zakat being given to a person well-off and with sound body. (Tirmidhi). iv) It is not lawful to extend any assistance by way of Zakat to parents, to own children, or to wife. Abu Huraira (ra) relates that when the Messenger of ALLAH (saw) ordered Zakat a person said he had one dinar. The Messenger of ALLAH (saw) advised him to spend it on himself. He said he had one more dinar; the advice given was to spend it on his son. He again said he had one more, this time he was asked to spend on his wife. And yet he said he had one more, he was told to spend on his servant, when he reported that he had one more dinar. The Messenger of ALLAH (saw) addressed the man saying he could spend it as he liked. (An Nasai & Abu Dawood)
The object of providing Zakt-ul-Fitr is to cleanse oneself of sins committed in the state of fasting. Due Time: The Time to distribute Zakat-ul-Fitr charity commences after breaking the last fast, but it can also be done a day or two before the Eid. The head of the family should distribute Zakat-ul-Fitr on behalf of all the members of his household such as wife, children and servants. Naafe (ra) transmits: Ibne Umar (ra) distributed Zakat-ul-Fitr
charity on behalf of the members, young and old, of his household and
even on behalf of my sons. Ibne Umar
Abu Saeed Khudri (ra) relates: We used to distribute as Fitr charity any one of the above items in the measure of one 'saa' or 2 ½ kg per head. (Bukhari & Muslim)
i) Zakat or any charity given out of earnings from unlawful
means is not acceptable to ALLAH (swt) ii) Charity provides an occasion for special grace and bounty of ALLAH (swt) Abu Huraira (ra) narrates this from the Messenger of ALLAH (saw): A person was in the forest with clouds in the sky. He heard a voice telling the cloud to
iii) Charity saves us from the wrath of ALLAH (swt) and
also from an hideous death. v) Charity even if trivial like a piece of date is worth
making for it may save you from fire.
x) From a garden or field belonging to a Muslim whosoever
reaps an advantage or avails of any benefit whether a human being or a
bird or animal will be termed as charity. xi) A woman out of house expenses given by her husband can
set aside a portion for charity. xii) After conferring charity it is unbecoming to take it
back or to purchase it from the donee.
xiv) A poor man can make a gift out of any charity received
by him to a rich person or descendants of Bani Hashim. received it as charity. The Messenger of ALLAH (saw) stated that it was charity for her but for us it was in the nature of gift. (Abu Dawood) xv) To speak or boast of favors conferred is reprehensible. Any references or reminders to the act of charity diverts it of its innate virtue. Abu Zarr (ra) transmits from the Messenger of ALLAH (saw): On the Day of Judgment there will be three such people, ALLAH will not speak to, will not look at them and will not cleanse them of their sins. One, those who follow up their charity with reminders of their generosity. Two, who wear their apparel on the lower body hanging down below the ankle, Three, such persons as sell their goods by swearing falsely. (Sunan An-Nisaai)
xvii) ALLAH (swt) opens the door of deprivation for that
person who begs without any reason. 2. If oppression is borne steadfastly with patience and 3. Once a person takes to begging, he is in far a life of
privation, so wills
i) Do what the Messenger of ALLAH (saw) has commanded or
has done himself or has given permission to do. It should be done whole-heartedly
in the same So take what Prophet assigns to you and deny yourselves that which he withholds from you. ((Surah Al-Hashr 59: V. 7) ii) Do not invent or adopt anything new in Islam other than
what the Messenger of ALLAH (saw) has asked us to do or has done it himself.
By adopting anything new in Islam would be like trying to step ahead of
the Messenger of ALLAH
O you who believe! Obey ALLAH, and obey the Prophet (saw) and make not vain your deeds (Surah Mohammad 47:V. 33)
Q. 3 Is it necessary to invoke blessing for the Zakat
payer? Wa'il ibn Hajr reported that the Prophet (saw), prayed for a man who had offered a fine she-camel in his zakat payment: "May ALLAH bless him and make his camels beneficial to him." This is related by an-Nasa'i. Q. 4 Can Zakat be given to person who can work? 'Ubaidullah Ibn' Adiyy al-khiyar reported" Two men told me that they went to the Prophet (saw) during the Farewell Pilgrimage while he was distributing charity. They asked him for help. He gave them a look from the head down and then found them to be sturdy and strong. The he said" 'If you desire, I shall give it to you. But, there is no Zakat for one who is rich, neither for the one who is strong and earning." This is related by Abu Dawud and an-Nasai.
Qabisha ibn Mukhariq al-Hilali reported: "I had a debt. I went to the Messenger of ALLAH (saw), and asked for his help. He answered: "wait until we have funds for Sadaqah, then we will give you some. He also said: 'O Qabisha, Sadaqah is justified only for the following three: first, a man who is in debt, for his case makes it permissible to receive (alms) until his difficulty is resolved; second, a man who is struck by calamity which destroys his holdings, which also makes it permissible for him to receive (alms) until he is in a position to earn a sustenance (or he said, ' what satisfies his needs and makes him self-sufficient" and third, a man who has been reduced to poverty and three persons of caliber from among his people testify to his desperate situation will receive until he finds for himself a means of support (or he said, ' what satisfies his needs and makes him self sufficient". Other than these cases, O Qabisha, it is not permissible (sahat). A person receiving it (Sadaqah) will be consuming forbidden holdings. This is narrated by Ahmad, Muslim, Abu Dawud, and an-Nasai Q. 6 Is the White Gold, Platinum or precious stones are exempted from Zakat? Ans. In the view of some scholars precious stones are exempted from the nesab of Zakat. As per what we gather from the teaching of the Qur'aan and Sunnah, that Prophet Muhammad (saw) has made Gold as yard stick for the distribution of the Zakat, therefore; if any metal i.e. white Gold, Platinum, precious stones etc. which were not available at the time of Prophet Muhammad (saw) that does not mean that these metals are exempted from the nesab of Zakat. Further more we know that you have to pay Zakat on minerals which you take it out from mines, which is mention in the above para number 9 It is related in al-Bukhari and al-Muslim that the Prophet
(saw) said: "The value of Q. 7 A person should pay Zakat on his property? From the above given Ahadith, most of the scholars concludes that anything which is in a person's personal use are exempted from the nesab of Zakat. Regardless of their value i.e. Residential house, plot of land for house construction, motor car, furniture, weapons, animals etc. but all these items must be strictly in his personal use. Q. 8 Is it necessary to pay Zakat on machineries? Q. 9 What are the other form of charity other than Zakat
and is what is nesab of those charity?
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