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Objectives &GuidelinesBy Faizan Quddoos

And

M.Fahd-Un-Nabi Khan

X-O

Usman Public School

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In the Name ofAllahthe Most Gracious, the Most Merciful

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"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

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Meaning ofZakat

Two Meaning To Clean , To make it Pure

To Remove impediments and help in

growth and development.

Both meaning s are App l icable

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Concept / Philosophy

To share a small part ofAllahsmaterialblessings 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 ofAllah S WT

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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

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One of Key Pillars

Al-Hajj /78

So establish regular Prayer give

regular Zakatand hold fast to

Allah! He is your Protector theBest to protect and the Best to

help!

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Zakatkey element of Faith

Al-Baiyina /05

And they have been commanded no more

than this: to worship Allahoffering Him

sincere devotion being True (in faith); toestablish regular Prayer; and to practice

regular Zakat; and that is the Religion Right

and Straight.

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One of the most Important Element

Al-Muminun-1/4

The Believers must (eventually) win through

Those who humble themselves in their prayers;

Who avoid vain talk;Who are active in deeds of Zakat;

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Criteria for being Muslim

Al-Tauba-9/11

But (even so) if they repent establish

regular prayers and practice regularZakatthey are your brethren in faith:

(thus) do We explain signs in detail for

those who understand.

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Believer pay Zakat

At-Tauba /71

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 regularZakatand obey Allahand His apostle. On them will

Allahpour His mercy: for Allahis Exalted in powerand Wise.

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Zakat is a Worship

Al-Baqara /110

And be steadfast in prayer and

regular in zakat: and whatever

good ye send forth for your soulsbefore you ye shall find it with

Allah; for Allahsees well all that yedo.

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Who should pay zakat

Any one who has in his possessionmore than equivalent of the value of

85 gm gold or 634gm of silver ,over

and above his living expensesOn agricultural produce zakatis

payable if the value of crop is more

than 3265kg of wheat, rice or corn(popular grain)

All adults individually responsible

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Applicability of Zakat

On the Personal Wealth(including income less

expenses )In case of business:

-On value of merchandiseworking capital

-on income / profit

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Typical Things on which Zakat is

Applicable

Investment:

Bank balance

Property, i.e., plots

Shares /fixeddeposits

Provident fund

Life insurance

Gold

Income less Expense :

Agricultural produce

Minerals Business assets like

Machinery/Warehouse,

factories etc

House, Buildings/Carsfor rent

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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

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What is Exempted

House in which one lives or maintainedfor personal purposes. (on Housegiven 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 incomeless expenses )

Z k t i t T

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Zakat is not a Tax

zakat TaxIt is Purification of wealth/income

It is a Worship

Earn reward for paying

Obligation between servantAnd Lord of lords

Fixed rates & Rules

Could be distributed directly

Used for specific purposes

No way to hide /cheat

It is a burden /Tax

It is a Liability

No rewards

Obligation between Govt.,and its Citizen

Changes from time to time

Only Govt., uses as per its discretion

Used for all purposes

Lot of ways and means toreduce/cheat/hide

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Who Qualify for Zakat

Alms are only (exclusively) for the poor and the

needyand those employed to administer, and thosewhose hearts are to be reconciledand to free the

captives and those in debtand in the way of Allah

and the wayfarera duty imposed by Allah and Allah

is Knowing, WiseSurah Tuba:60

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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

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Fuqara & MaskeenFuqara is penn y less and Maskeen is needy

onePoor & Needy, one or two classes?

The operative criteria which determines povertyis not how little a person has, but whether it isenough or not

Basic need includes food & clothing for theperson and his family as well as reasonable

accommodation and furniture and necessarytools for his trade and means of transportation

Richness means owning what is enough forones need; A person in need qualifies as poor &

needy

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Administrators

Aameleen; Those employed for

Collection and maintenance of record,

paid from Zakat, even if they are richWages should not exceed half the Zakat

collection

Only those employed by State

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Influencing Hearts

Maallafatatil Quloob; Influence

hearts towards Islam thru charity,kindness

This function can be performed only

by the State and not individuals

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Freeing from Bondage

Riqab; neck, signifies someone who

is freed from bondage

Slaves and captives of war

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Debtors

Gharimeen; Debt, bankruptcy

Condition that debtor himself should

not possess sufficient funds orgoods to clear the debt

Debt incurred for legitimate purpose

incl. Blood money, unexpectedpenalty and not due to gambling,drinking, intoxicants or lavishexpense in marriage

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In Way of Allah

Fe sabeelillah; Wide interpretation,

implication and application, incl.Jihad, invitation to Islam, education,

anything serving the cause of Islam

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Traveler

Ibnis Sabeel; Can be paid from

Zakat, even though he may be richat home, if during the journey he

becomes destitute and unable to

meet his expenses to return

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Where zakat cant 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.

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Why Pay

Zakat

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Zakat Increases Wealth

Ar-Rum-39

The interest that you give in order to increase

the wealth of the people, does not increase inthe sight of Allah: and the Zakatthat you pay in

order to win Allahs approval, its payer do

indeed increases their wealth.

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People who pay Zakatare

Successful

Luqman/04

Those who establish regular

Prayer and give regular Zakatand

have (in their hearts) the

assurance of the Hereafter.

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People who will be rewarded

Al Baqra

Allahdeprives 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 Salatand pay

Zakat, they will most surely have their reward

with their Lord and they will have nothing to fear

nor to grieve.

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Zakat is Over and Above the Normal Sadaqat

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Zakat is Over and Above the Normal Sadaqat

Al-Baqara-177

It is no virtue that you turn your faces towards

the east or the west, but virtue is that one shouldsincerely believe in Allahand 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 thewayfarer, for beggars and for the ransom of

slaves, and establish Salatand pay Zakat. And

the virtuous are those who keep their pledges

when they make them and show fortitude inhardships and adversity and in the struggle

between the Truth and Falsehood; such are the

Truthfulpeople and such are the Pious

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Punishment for not Paying Zakat

Surah Tuba

& 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,thentheir foreheads & their sides& their backs

shall be branded with it, this is what you

hoarded up for yourself,now taste what you

horded

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Hadith on Punishment

for not Paying Zakat

Narrated by Abu Huraira

Whoever is made wealthy by Allahand does not pay the Zakatof hiswealth then on the Day ofResurrection his wealth will be madelike a bald-headed poisonous malesnake with two black spots over theeyes. The snake will encircle his neck

and bite his cheeks and say, I amyour wealth, I am your treasure,

Al Bokhari 486, Chapter Zakat

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Why Muslims are Suffering " O Muhaj irun, beware of f ive trai ts: i f ever immoral i ty

spreads in a community and there is no sense of shame oni ts occurrence or ment ion ing i t [and people talk about i t as i f

no thing bad has taken place], dis eases wh ich were no t

present in the t ime of their predecessors wi l l sp read among

them. If they decrease the measu re and weigh t (of sold

grains o r food ), they w il l be overcome by poverty, theirprov is ion s w i l l decrease and their ru ler wi l l be un just .If they

refrain from paying the zakah due on th eir propert ies, they

w il l be deprived of rain, un less they get it only fo r the sake of

their catt le.If they renou nce their comm itment to Al lah and

His Messenger, they w il l be governed by an enemy w ho is astranger to them and who wi l l take away some of what they

possess. If the ir ru lers do not ru le accord ing to Al lah 's Book ,

they w il l be aff l ic ted b y c iv i l war. Al lah fo rbid that these

shou ld happen to you ."

Ibn Maja

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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 wehave failed to understand; give us strength to recite itday and night; and make it a plea for our salvation, OLord of the worldsAmeen!