[Jpeg]fardhu'ain lesson#11-arkaan-ul-islam(3)-zakah(april2011)

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“A BEGINNERS’ COURSE ON ISLAM” Lessons on Fardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismail.
Excerpts from Notes: on ZAKAT - third pillar of Islam (submission)

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[Jpeg]fardhu'ain lesson#11-arkaan-ul-islam(3)-zakah(april2011)

  1. 1. <ul><li>THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO </li></ul><ul><li>THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH ( TAU H EED ) </li></ul>All Rights Reserved© Zhulkeflee Hj Ismail (2011) IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL EXTRACTED FROM FAARDHU ‘AIN COURSE FOR ADULTS
  2. 2. “ A BEGINNERS’ COURSE ON ISLAM” Lessons on Fardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismail HADITH OF JIBRA-’IL LESSON # 11 Using textbook & curriculum he has developed especially for Muslim converts and young Adult English-speaking Muslims. “ To seek knowledge is obligatory upon every Muslim (male & female)” IT CAN ALSO BE A REFRESHER COURSE FOR MUSLIM PARENTS, EDUCATORS, IN CONTEMPORARY SINGAPORE. OPEN TO ALL UPDATED APRIL 2011 Every Friday night @ 8pm – 10pm Wisma Indah, 450 Changi Road, #02-00 next to Masjid Kassim All Rights Reserved© Zhulkeflee Hj Ismail (2011) “ ARKAAN AL-ISLAM” Pillars of Islam (Submission) IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL AZ-ZAKAH (TAX UPON WEALTH)
  3. 3. <ul><li>In respecting the dominance of the followers, adherents of the school of Fiqh of al-Mujtahid-mutlaq al-Imam Muhammad ibn Idris ash-Shafi-’ie rhm.a . here in this region, the practices in this manual / lesson on FIQH matters, shall subscribe and be in conformity with this school of Islamic jurisprudence ( madzhab ). </li></ul><ul><li>Yet, we hold to a healthy respect and tolerance ( tasamuh ) towards other madzaahib and ikhtilaaf (differences of opinion) amongst Islamic scholars. </li></ul><ul><li>The dominant schools of Islamic jurisprudence generally accepted are the, Ja’afari, Maliki, Hanafi, Shafi’e and Hanbali. </li></ul>All Rights Reserved© Zhulkeflee Hj Ismail (2011)
  4. 4. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  5. 5. <ul><li>‘ Zakah ’ or ‘ Zakat ’ here is meant: </li></ul><ul><li>“ the compulsory tax upon a Muslim’s wealth, to be given out to certain categories of people, as commanded by Allah .” </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011
  6. 6. <ul><li>Yet, it is interesting to note that the Arabic word ‘ Zakah ’ has the meaning of “ to purify ” as well as “ to make it grow ”. Thus, Allah says: </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011
  7. 7. <ul><li>Yet, it is interesting to note that the Arabic word ‘ Zakah ’ has the meaning of “ to purify ” as well as “ to make it grow ”. Thus, Allah says: </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011
  8. 8. <ul><li>We come into this world without any possession. Then we begin to acquire for our needs, provision and possessions - and begin accumulating and amassing wealth. </li></ul><ul><li>Our interaction with this world and material possessions will have effect upon our self ( Nafs ), our hearts ( Qolb ), our soul ( Ruh ). </li></ul><ul><li>Regarding our Self, or heart, Allah says: </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASON
  9. 9. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASON
  10. 10. <ul><li>“ And a soul ( Nafs ) and Him Who perfected it.   </li></ul><ul><li>And inspired it (with conscience of) what is wrong for it and (what is) right for it.   </li></ul><ul><li>He is indeed successful who purify and causes it to grow,   </li></ul><ul><li>And he is indeed a failure who stunted it.” </li></ul><ul><li>( Qur’an: ash-Shams: 91: 7-10 ) </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASON
  11. 11. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASON
  12. 12. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASON
  13. 13. All Rights Reserved © Zhulkeflee Hj Ismail 2011 <ul><li>Islam never totally reject the world nor does it denies the importance to Muslims acquiring wealth. </li></ul><ul><li>Yet it knows what these can do to our spiritual self. Thus, it is indeed crucial to avert corruption and spiritual diseases from affecting our hearts and soul ( nafs ) which wealth and material possessions may bring e.g. Greed, possessiveness, miserliness, avarice, corruption, oppression etc. </li></ul>
  14. 14. All Rights Reserved © Zhulkeflee Hj Ismail 2011 <ul><li>There is a saying: </li></ul>“ Love for the world (affection and attachment to material possession) is the head (root) of every sins (wrong-doings,(mistakes, errors etc.)”
  15. 15. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  16. 16. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ Verily We have created Man into toil and struggle.  Thinks he, that none hath power over him?  He may say (boastfully): &quot;Wealth have I squandered in abundance!” Thinks he that none beholds him?  Have We not made for him a pair of eyes?―  And a tongue, and a pair of lips?―  And shown him the two highways? “ ( Qur’an: al-Balad: 90: 7-10 )
  17. 17. All Rights Reserved © Zhulkeflee Hj Ismail 2011 <ul><li>Thus, Muslims not only needs to be reminded that: </li></ul><ul><li>[a] possession and wealth are bestowals of Allah, only as temporary trust ( amanah ) for our use; </li></ul><ul><li>[b] it is how you get this and how you spent it that you shall be questioned by Allah s.w.t. – not how much you accumulate! </li></ul>
  18. 18. All Rights Reserved © Zhulkeflee Hj Ismail 2011 <ul><li>Thus, Muslims not only needs to be reminded that: </li></ul><ul><li>[c] remember how innocent we were, until we began to develop selfishness, greed, miserly, covetousness etc. </li></ul><ul><li>Thus, Zakah is to effectively and as practical reminder to be inculcated, so as not to allow such corruptions to occur in our Self/Soul. </li></ul>
  19. 19. <ul><li>All bestowals and wealth is from Allah. And He would generally bestow upon many amongst mankind more than what he needs, so that through them these wealth would be shared with the others who deserves it. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASON
  20. 20. <ul><li>There is no shortage of Allah’s bestowal upon mankind regarding wealth and provision – mankind's’ economic problem is only regarding its distribution. </li></ul><ul><li>This is because living in this world is but a test – especially in this case, test upon rich towards the poor, the have towards those who have not. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASON
  21. 21. <ul><li>Thus, Muslim regards part of what Allah gives him to include what belongs to others, which becomes his amanah (trust) to distribute them to its rightful recipients. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASON
  22. 22. <ul><li>And because the Muslim regards his wealth to includes what belongs to others. As long as these are not given out to their rightful recipients, his wealth is not totally regarded as his. Therefore by giving out the zakat , it is like purifying the wealth which is in his possession from what is not his and forbidden for him to consume </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASON
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  24. 24. <ul><li>What is the real worth of our wealth? With death, these wealth looses all value for us, except those that has been spent in accordance towards what Allah commanded us to – and He promises to increase them, not only its amount, but its real value for us will be eternally enjoyed beyond our death. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASONING
  25. 25. <ul><li>The promise reward is a minimum return of 1 : 700% (certainly a most generous investment returns for our hereafter). </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASONING
  26. 26. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASONING
  27. 27. <ul><li>“    The likeness of those who spend their wealth in Allah's way is as the likeness of a grain which grows seven ears (cobs e.g. like corn), in every ear a hundred grains. Allah gives increase manifold to whom He will. Allah is All-Embracing, All-Knowing.” </li></ul><ul><li>( Qur’an: Baqarah: 2: 261 ) </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 FIRST REASONING
  28. 28. <ul><li>Wealth is measured, not by how much money is a country, but by how it has been circulated and how many times it is used. Thus a country’s economy is measured by Gross Domestic Product (GDP). </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASONING
  29. 29. <ul><li>In society, there are people who do not have spending power due to poverty or unemployment etc. (which zakat is meant for). Providing for them means injecting into the economy catalysts to increase economic activity because of the “ multiplier effect ” it generates. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASONING
  30. 30. <ul><li>Thus it is, that Zakat seems to ‘penalise’ unused wealth, to discourage hoardings especially when these wealth inevitably deprive those who are in need from having means to spend even on basics. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASONING
  31. 31. <ul><li>Wealth when used or injected into the economy would in fact generate work and incomes to these various category of people, thus, by increasing consumer demand (spending) increases national products and services, whereas hoarding wealth would stifle and retard the economy. </li></ul>All Rights Reserved © Zhulkeflee Hj Ismail 2011 SECOND REASONING
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  34. 34. <ul><li>Agricultural produce </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 635 kg. Per harvest <ul><li>5% produce in case of irrigated land. </li></ul><ul><li>10% produce from rain-fed land. </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  35. 35. <ul><li>Gold, silver or ornaments of gold and silver </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 85 gm (gold) 595 gm (silver) One year (lunar) <ul><li>2.5% of the value </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  36. 36. <ul><li>Cash, in hand or in the bank </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Value of 595 gm (silver) (MUIS) * S$5,226 as @ FEB 2011 *Islamic Religious Council of Singapore One year (lunar) <ul><li>2.5% of the amount of cash in hand or in bank </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  37. 37. <ul><li>Trading goods </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT One year (lunar) <ul><li>2.5% of the value of the goods </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011 Value of 595 gm (silver) (MUIS) * S$5,226 as @ FEB 2011 *Islamic Religious Council of Singapore
  38. 38. <ul><li>Cows and buffaloes </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 30 in numbers - <ul><li>For every 30, a 1-year old calf; and so on. </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  39. 39. <ul><li>Goats and sheep </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 40 in numbers - <ul><li>One sheep for first 40; </li></ul><ul><li>Two for 120; and so on. </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  40. 40. <ul><li>Produce of the mines – all kinds of minerals </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Any amount - <ul><li>20% of the value of produce </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  41. 41. <ul><li>Camels </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 5 numbers - <ul><li>5 up to 24 : one sheep or goat for every 5 camels; </li></ul><ul><li>25 up to 35 : one 1-year old she camel; and so on </li></ul>Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011
  42. 42. <ul><li>In keeping with changing economic system (development), there may be other types of wealth which contemporary Islamic jurists may regard to be ‘zakatable’ by consensus (IJMA’) or in accordance with acceptable scholarly exertion (IJTIHAD), be it analogous deduction (QIYAS), preference (ISTIHSAN), needs (MASLAHAT ) etc. </li></ul>TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi All Rights Reserved © Zhulkeflee Hj Ismail 2011 Wa-Allaahu a’lam (IT IS ALLAH WHO KNOWS ALL)
  43. 43.   “ ASAANIF” : THE CATEGORIES OF PEOPLE UNTO WHICH ZAKAT MUST BE GIVEN TO. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  44. 44. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  45. 45. “  The alms are only for the poor and the needy, and those who collect them, and those whose hearts are to be reconciled, and to free the captives and the debtors, and for the cause of Allah, and (for) the wayfarer; a duty imposed by Allah. Allah is Knower, Wise.” ( Qur’an: Taubah: 9: 60 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
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  48. 48. “ The Believers men and women, are ( AWLIYA’ ) protectors one of another: they enjoin what is just, and forbid what is evil: they observe regular prayers ( swolah ), practice regular charity ( zakah ), and obey Allah and His Messenger. On them will Allah pour His mercy: for Allah is Exalted in power, Wise.” ( Qur’an: Taubah: 9: 71 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  49. 49. [1] The “ poor; or those in poverty .” They are those who do not possess any wealth, or whose income is less than ⅓ of what he needs to sustain livelihood for himself and people under his guardianship. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FUQARA’ - FAAQIR
  50. 50. [2] These are the “ needy; those in need ” or (those slightly better-off than the “ faqir ”) who may have possessions and income, yet “whose income is still less than ⅔ of what he needs to sustain livelihood for himself and family under his care.” All Rights Reserved © Zhulkeflee Hj Ismail 2011 MASAAKIN - MISKEEN
  51. 51. [3] The full description is “ those who are employed or working upon it (collecting and distributing the zakah)”. This imply necessity for zakat institution be managed (efficiently) professionally; and to safeguard the honour of every Muslims from having to beg. All Rights Reserved © Zhulkeflee Hj Ismail 2011 ‘ AAMILEEN – ‘AMIL
  52. 52. [4] The literal translation of this group is “ those whose hearts are reconciled (i.e. towards accepting Islam) ”. This is to ensure new Muslims’ every need is provided for, even those who may be rich, they are entitled to disbursement from the Islamic treasury. All Rights Reserved © Zhulkeflee Hj Ismail 2011 MU-ALLAF
  53. 53. [5] From the word meaning “ neck ” – it refers to the ransoming or free Muslims from slavery. This shows that every Muslim must be freed from all forms of slavery or from being under oppression. Their freedom must be accorded for them (if need be) using the zakat funds. Although chattel slavery no longer exist, yet Islamic scholars are known to apply ‘ qiyas ’ (juristic analogy) for what may constitute modern ‘slavery’. All Rights Reserved © Zhulkeflee Hj Ismail 2011 RI-QAAB
  54. 54. [6] These are “ those who are indebted ”. We differentiate “ debt ” from “ loan ”. Loan is merely one who can afford to repay what he owes, except that it be deferred. He is not what we mean by “one who is indebted”. “ Those indebted ” are akin to “ faqir & miskin ” but in a temporary sense, because of unforeseen expenditure incurred due to misfortune, sickness, accident, calamities etc. All Rights Reserved © Zhulkeflee Hj Ismail 2011 GHAARIMEEN
  55. 55. [7] Literally, it means “ those (fighting, striving) in the Way of Allah ”. This is for those Muslim “ Mujahideen ” in the way of Allah, during war as fighters; and In peace time, it include the “ Mujahid of Da’wah ” i.e. those striving to “ raise the kalimah of Allah, to be highest ” in the field of spreading the teachings of Islam through Da’wah. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FEE-SABI-LILLAAH
  56. 56. [8] This refers to Muslim “ travellers or wayfarer ”. A Muslim traveller in need, has rights to zakat funds, wherever or whenever he encounters difficulty while travelling in Muslim lands. In fact, there were times in history that the Islamic state provided 3 days hospitality in caravanserais ( musafir-khana ) managed by Islamic treasury ( bayt-ul-maal ) , for every Muslim travellers. All Rights Reserved © Zhulkeflee Hj Ismail 2011 IBNUS-SABEEL
  57. 57. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  58. 58. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  59. 59.    “ Fair in the eyes of men is the love of things they covet: women and sons; heaped-up hoards of gold and silver; horses branded (for blood and excellence); and (wealth of) cattle and well-tilled land. Such are the possessions of this world's life; but in nearness to Allah is the best of the goals (to return to).” ( Qur’an: Aali ‘Imran: 3:14 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  60. 60. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  61. 61.      &quot;But seek, with the (wealth) which Allah has bestowed on thee, the Home of the Hereafter, nor forget thy portion in this world: but do thou good, as Allah has been good to thee, and seek not (occasions for) mischief in the land: for Allah loves not those who do mischief.&quot;  ( Qur’an: Qasas: 28: 77 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  62. 62. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  63. 63. “ Who is he that will loan to Allah a beautiful loan, ( QARD’-HASANAH ) which Allah will double unto his credit and multiply many times? It is Allah that gives (you) want or plenty and to Him shall be your return.”  ( Qur’an: Baqarah: 2: 245 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  64. 64. All Rights Reserved © Zhulkeflee Hj Ismail 2011 Render not vain your almsgiving ( swodaqat ) by reproach and injury, ( Q: Baqarah: 2: 264 )
  65. 65. “   Those who spend their wealth in the cause of Allah and follow not up their gifts with reminders of their generosity or with injury,― for them their reward is with their Lord; on them shall be no fear, nor shall they grieve. ” ( Qur’an: Baqarah: 2: 262 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  66. 66. “   Kind words and the covering of faults are better than charity followed by injury. Allah is free of all wants, and He is Most Forbearing. ” ( Qur’an: Baqarah: 2: 263 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  67. 67. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  68. 68. “   O ye who believe! Render not vain your almsgiving (swodaqat) by reproach and injury, like him who spends his wealth only to be seen of men and believes not in Allah and the Last Day. His likeness is as the likeness of a rock whereon is dust of earth; a rainstorm smites it, leaving it smooth and bare. They have no control of aught of that which they have gained. Allah guides not the disbelieving folk. ” ( Qur’an: Baqarah: 2: 264 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  69. 69. “   The Satan threatens you with poverty and bids you to conduct unseemly. Allah promises you His forgiveness and bounties and Allah cares for all and He knows all things.” ( Qur’an: Baqarah: 2: 268 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  70. 70. “ Whatever of good ye give benefits your own souls and ye shall only do so seeking the &quot;Face&quot; of Allah. Whatever good ye give, shall be rendered back to you and ye shall not be dealt with unjustly. ” ( Qur’an: Baqarah: 2: 272 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
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  73. 73. “ And let not those who covetously withheld of the gifts which Allah hath given them of His Grace think that it is good for them: nay it will be the worse for them: soon it will be tied to their necks like a twisted collar on the Day of Judgment. To Allah belongs the heritage of the heavens and the earth; and Allah is well acquainted with all that ye do.” ( Qur’an: Aali ‘Imran: 3: 180 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  74. 74. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  75. 75. “ Allah hath heard the taunt of those who say: &quot;Truly, Allah is indigent and we are rich!&quot;,― We shall certainly record their word and (their act) of slaying the Prophets in defiance of right, and We shall say: &quot;Taste ye the penalty of the Scorching Fire!. “ ( Qur’an: Aali ‘Imran: 3: 181 )   All Rights Reserved © Zhulkeflee Hj Ismail 2011
  76. 76. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  77. 77. “ O ye who believe! There are indeed many among the priests and anchorites, who in falsehood devour the wealth of men and hinder (them) from the Way of Allah. And there are those who bury gold and silver and spend it not in the way of Allah: announce unto them a most grievous penalty.” ( Qur’an: Taubah: 9: 34 )   All Rights Reserved © Zhulkeflee Hj Ismail 2011
  78. 78. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  79. 79. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ On the Day when heat will be produced out of that (wealth) in the fire of Hell, and with it will be branded their foreheads, their flanks and their backs― &quot;This is the (treasure) which ye buried for yourselves: taste ye, then the (treasures) ye buried!&quot; ( Qur’an: Taubah: 9: 35  )
  80. 80. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  81. 81. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ And spend something (in charity) out of the substance which We have bestowed on you, before death should come to any of you and he should say &quot;O my Lord! why didst thou not give me respite for a little while? I should then have given (largely) in charity, and I should have been one of the doers of good.&quot; But to no soul will Allah grant respite when the time appointed (for it) has come: and Allah is well-acquainted with (all) that ye do.” ( Qur’an: Munafiun: 63: 10-11  )
  82. 82. “ Protect your wealth by paying the Zakah , and heal your sick by giving charity ( sadaqah )” ( Hadith of the Prophet Muhammad s.a.w .)   All Rights Reserved © Zhulkeflee Hj Ismail 2011
  83. 83. “ There is no wealth which is mixed with (portions in which) zakat (is not paid) except that it will be cause of destruction.) ( Hadith of the Prophet Muhammad s.a.w .) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  84. 84. “ If you fulfil (pay out) the zakat upon your wealth with a good heart (i.e. without feeling regret or sense of loss, or being insincere, hypocritical etc.), then in reality you have been saved from the evil (or harm which your wealth may bring upon you).” ( Hadith of the Prophet Muhammad s.a.w .) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  85. 85. All Rights Reserved © Zhulkeflee Hj Ismail 2011
  86. 86. “ O Allah! Make sufficient for us our provision with what is lawful (halal) and not from what is forbidden (haram). Enrich us with the bestowals from You alone, not from other than You.” ALLA-HUM-MAK - FI-NAA BI-HA-LAA-LI-KA- ‘AN-HA-RAA-MIK, WA-ARGH-NI-NAA – BI – FADw -LI-KA – ‘AM-MAN –SI- WAAK All Rights Reserved © Zhulkeflee Hj Ismail 2011
  87. 87. ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL- BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI, WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA – AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN-YAA – WA – ‘A-DZAA-BIL – QAB-RI All Rights Reserved © Zhulkeflee Hj Ismail 2011
  88. 88. “ ‘ O All a h, I seek refuge in You from miserliness and cowardice, I seek refuge in You lest I be returned to the worst of lives “i.e. old age, being weak, destitute, incapable and in a state of fear, etc.”, and I seek refuge in You from the trials and tribulations of this worldly life and the punishment of the grave.” All Rights Reserved © Zhulkeflee Hj Ismail 2011
  89. 89. O Allah! We ask that You be pleased with us and (grant us) the Paradise, and we seek refuge (in You) from Your wrath and the Hell-fire.” ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- DwAA -KA WAL JAN-NATA, WA-NA-’UU- DzU- BI-KA MIN SA-KHA-TI-KA WAN-NAAR All Rights Reserved © Zhulkeflee Hj Ismail 2011
  90. 90. “ (May) Allah grant His Reward upon Muhammad, salutations of Allah and Peace be upon him and his family, in accordance with what he deserves (in Allah’s knowledge & estimation).” All Rights Reserved © Zhulkeflee Hj Ismail 2011 JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘ ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU
  91. 91. ” Glory to thy Lord the Lord, of Honour and Power! (He is free) from what they ascribe (to Him)!  And Peace on the Messengers!  And praise to Allah, the Lord and Cherisher of the Worlds.” ( Qur’an : Saffat: 37 : 180-182 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011
  92. 92. http://an-naseehah.blogspot.com/ http://introductiontotauhid.blogspot.com/ http://oyoubelievers.blogspot.com/ http://al-amthaal.blogspot.com/ http://zhulkeflee-archive.blogspot.com/ http://criteriaforaholybook-quran.blogspot.com/ http://with-the-truthful.blogspot.com/ http ://muqaddam-nurul.blogspot.com/ All Rights Reserved © Zhulkeflee Hj Ismail 2011

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