Zakat

Objectives & Guidelines

By Faizan Quddoos
And
M.Fahd-Un-Nabi Khan

X-O
Usman 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

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, i.e., plots
 Minerals
 Shares /fixed
deposits  Business assets like
Machinery/Warehouse,
 Provident fund
factories 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 a burden /Tax
It is Purification of wealth/income
It is a Liability
It is a Worship
No rewards
Earn reward for paying
Obligation between Govt.,
Obligation between servant
and its Citizen
And Lord of lords
Changes from time to time
Fixed rates & Rules
Only Govt., uses as per its discretion
Could be distributed directly
Used for all purposes
Used for specific purposes
Lot of ways and means to
No way to hide /cheat 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 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.

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 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
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
 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!

Zakat

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