ZakatZakatObjectives

&

Guidelines

In the Name of Allah the Most Gracious, the Most Merciful

ContentsContents

IntroductionConcept and ObjectivesImportance Guidelines for Calculations &PaymentsRewards and PunishmentsKey Features/SummaryOpen Discussion

Meaning ofMeaning of ZakatZakat

To Clean , To make it Pure To Remove impediments and help in growth

and development.

Concepts & ObjectivesConcepts & ObjectivesTo 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

Ensure circulation of wealthReduce love for WealthTo establish the Writ of Allah S WT

Salat & ZakatSalat & ZakatMostly referred In Quran together – 30 timesBoth are the Fundamental form of WorshipAfter Salah, Zakat is the greatest pillar of

IslamPractical demonstration of “Eaiman”Salat Connect Human being with AllahZakat Connect Human being with Others

Al-Hajj /78

One of Key PillarsOne 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-Baiyina /05

ZakatZakat key element of Faith 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-Muminun-1-4

One of the most Important ElementOne 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-Tauba-9/11

Criteria for being MuslimCriteria 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.

Who should pay Who should pay zakatzakatAny 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 ZakatApplicability of ZakatOn the Personal Wealth Bank balance

Property, ie, plots

Shares /fixed deposits

Provident fund/ Life insurance

House, Buildings/Cars for rent

Gold / silver

In case of business: -On value of merchandise working capital

-on income / profit

Effective Rate P.AEffective Rate P.A

“On wealth and Income 2.5% “ On Agricultural produce Irrigated 5.0% Non irrigated” 10.0%

“ On Natural resources” 20.0%

What is ExemptedWhat is ExemptedHouse 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

Who Qualify for ZakatWho 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 Thouwba:60

Recipient of ZakatRecipient of Zakat

1. The poor (Faqir/Fuqara)

2. The needy (Miskeen/Maskeen)

3. The administrators of zakah (Amil)

4. Influencing heart(Muallaf)

5. Freeing from slavery (Riqab)

6. Debtors(Gharimin)

7. In way of Allah (Fisabillillah)

8. Wayfarer (Ibnus Sabil)

Fuqara & MaskeenFuqara & Maskeen Fuqara is penny less and Maskeen is needy one The poor (Faqir/Fuqara)

Those without any means of livelihood and material possessions.

The needy (Miskeen)Those without sufficient means of livelihood to meet their basic necessities. For instance, those who, although may have a job, a house and a car, but whose income is below the minimum requirement.

Richness means owning what is enough for ones need; A person in need qualifies as poor & needy

AdministratorsAdministratorsAameleen; Those appointed to manage and

administer zakah. This category is sub-divided into the following categories:

Group of people who go out to the society and determine those who fall Fuqara and Miskeen categories.

Those who collect the Zakah money. The accountant of the Zakah money. The administrator, manager, clerical worker or secretary who

puts the files in order. Those who handle Zakah distributions. The auditor who audits overall Zakah management and

administration.

Influencing HeartsInfluencing Hearts

Maallafatatil Quloob; Influence hearts towards Islam thru charity, kindness

Those who are inclined to enter or have already converted to Islam.

Freeing from BondageFreeing from Bondage

Riqab; neck, signifies someone who is freed from slavery

Slaves and prisoners of war

DebtorsDebtors

Gharimeen; Debt, bankruptcy Condition that debtor himself should not

possess sufficient funds or goods to clear the debt

Debt incurred for genuine purpose incl. unexpected penalty, loss of employment and not due to gambling, drinking, intoxicants or lavish expense in marriage

In Way of AllahIn Way of AllahFe sabeelillah; Zakah can be used to finance any form of struggle or work for the love of Allah. e.g.Da'wah;building & developing society's infrastructure; defending Muslims, who are being oppressed; assisting poor travellerssponsoring a student's educational expenses.

TravellerTraveller

Ibnis Sabeel; Can be paid from Zakat, even though he may be rich at home, if during the journey he becomes penniless and unable to meet his expenses to return

Where zakat canWhere zakat can’’t be usedt 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.

Why Pay ZakatWhy Pay Zakat

Ar-Rum-39

Zakat Increases WealthZakat 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.

Luqman/04

People who pay People who pay ZakatZakat are are SuccessfulSuccessful

Those who establish regular Prayer and give regular Zakat and have (in their hearts) the assurance of the Hereafter. Such have guidance from their Lord. Such are the successful.

Surah Tuba

Punishment for not Paying ZakatPunishment 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”

Al Bokhari 486, Chapter Zakat

Hadith on PunishmentHadith on Punishmentfor not Paying Zakatfor 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,”

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