[Slideshare] fardh'ain(january-2014-batch)lesson #12-(arkanul-islam)-zakah-welfare-tax-on-excess-wealth)-16-may-2014

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[Slideshare] fardh'ain(january-2014-batch)lesson #12-(arkanul-islam)-zakah-welfare-tax-on-excess-wealth)-16-may-2014

  1. 1. ““A BEGINNERS’ COURSE ONA BEGINNERS’ COURSE ON ISLAM”ISLAM” Lessons onLessons on Fardhu ‘Ain in English for AdultsFardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismailconducted by Ustaz Zhulkeflee Hj Ismail Using textbook & curriculum he has developed especially forUsing textbook & curriculum he has developed especially for Muslim converts and young Adult English-speaking Muslims.Muslim converts and young Adult English-speaking Muslims. ““To seek knowledge is obligatory upon every Muslim (male & female)”To seek knowledge is obligatory upon every Muslim (male & female)” IT CAN ALSO BE AIT CAN ALSO BE A REFRESHER COURSE FORREFRESHER COURSE FOR MUSLIM PARENTS,MUSLIM PARENTS, EDUCATORS, INEDUCATORS, IN CONTEMPORARYCONTEMPORARY SINGAPORE.SINGAPORE. OPEN TO ALLOPEN TO ALL 1 UPDATED - 16 MAY 2014UPDATED - 16 MAY 2014 Every Friday night @Every Friday night @ 8pm – 10pm8pm – 10pm Wisma Indah, 450Wisma Indah, 450 Changi Road,Changi Road, #02-00 next to Masjid#02-00 next to Masjid KassimKassim All Rights Reserved© Zhulkeflee Hj Ismail (2014) ““ARKAAN AL-ISLAM”ARKAAN AL-ISLAM” Pillars of Islam (Submission)Pillars of Islam (Submission) IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOSTMOST COMPASSIONATE,COMPASSIONATE, MOST MERCIFULMOST MERCIFUL For further information andFor further information and registration contact Eregistration contact E -mail :-mail : ad.fardhayn.sg@gmail.comad.fardhayn.sg@gmail.com or +65 81234669 / +65 96838279or +65 81234669 / +65 96838279 HADITH OF JIBRA-’IL HADITH OF JIBRA-’IL LESSON # 12 LESSON # 12 AZ-ZAKAHAZ-ZAKAH (TAX UPON WEALTH)(TAX UPON WEALTH)
  2. 2. (The basic message of Islam)(The basic message of Islam) FARDHU’AINFARDHU’AIN: CONDUCTED BY: CONDUCTED BY USTAZ ZHULKEFLEE HJ ISMAILUSTAZ ZHULKEFLEE HJ ISMAIL LESSONS FROM TEXTBOOKLESSONS FROM TEXTBOOK ““Beginners’ Manual on IslamBeginners’ Manual on Islam”” 2 IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOSTMOST COMPASSIONATE,COMPASSIONATE, MOST MERCIFULMOST MERCIFUL FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  3. 3. ““Allah”Allah” :: Arabic proper noun; name for God, it refersArabic proper noun; name for God, it refers to the One and Only, the Unique Creator, Lordto the One and Only, the Unique Creator, Lord Sustainer of the Universe, Who Alone is God – there isSustainer of the Universe, Who Alone is God – there is none besides Allah.none besides Allah. No equivalent translation in non-Semitic language.No equivalent translation in non-Semitic language. FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  4. 4. ““Muhammad s.a.a.w.”Muhammad s.a.a.w.” :: Arabic name meaning “Arabic name meaning “thethe Praised OnePraised One”; he is the Chosen, Unlettered Prophet,”; he is the Chosen, Unlettered Prophet, the servant and Messenger of Allah, the Awaitedthe servant and Messenger of Allah, the Awaited Seal of Prophethood after whom there will be noSeal of Prophethood after whom there will be no more prophet sent.more prophet sent. FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  5. 5. IIMANIIMAN BeliefBelief FaithFaith ConvictionConviction IHSANIHSAN Best orBest or RighteousRighteous ConductConduct ‘‘AMALAMAL [Islam][Islam] SubmissionSubmission ObedienceObedience PracticePractice Faith without obedience is meaningless; and obedience without Faith isFaith without obedience is meaningless; and obedience without Faith is mere rituals and may even lead to hypocrisy.mere rituals and may even lead to hypocrisy. Together, Faith and Obedience must lead to Righteousness with IHSANTogether, Faith and Obedience must lead to Righteousness with IHSAN which essentially focus in our intention to sincerely serve Allah s.w.t.which essentially focus in our intention to sincerely serve Allah s.w.t. Thus, in these three aspects can one be said to be true in his submissionThus, in these three aspects can one be said to be true in his submission to the Will of Allah (as Muslim).to the Will of Allah (as Muslim). All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  6. 6. THE SECOND ASPECT REQUIRED IN THE ATTESTATION TOTHE SECOND ASPECT REQUIRED IN THE ATTESTATION TO THE ABSOLUTE ONENESS OF ALLAH (TAUTHE ABSOLUTE ONENESS OF ALLAH (TAUHHEED)EED) IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOSTMOST COMPASSIONATE,COMPASSIONATE, MOST MERCIFULMOST MERCIFUL All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  7. 7. ““Do they seek for other than the Religion of Allah?―While allDo they seek for other than the Religion of Allah?―While all creatures in the heavens and on earth have willing, or unwilling,creatures in the heavens and on earth have willing, or unwilling, bowed to His Will (accepted Islam), and to Him shall they all bebowed to His Will (accepted Islam), and to Him shall they all be brought back.”brought back.” ((Qur’an: Aali ‘Imran: 3: 83Qur’an: Aali ‘Imran: 3: 83)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  8. 8. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  9. 9. “Now then, for that (reason), call (them to the Faith), and stand steadfast as thou art commanded nor follow thou their vain desires; but say: "I believe in the Book which Allah has sent down; and I am commanded to judge justly between you. Allah is Our Lord and your Lord. For us (is the responsibility for) Our deeds, and for you for your deeds. There is no contention between us and you. Allah will bring us together, and to Him is (Our) final goal.” (Qur’an: ash-Shura: 42: 15) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  10. 10. The word “The word “IslamIslam” - literally means “” - literally means “surrendersurrender;; submissionsubmission”. When added with the prefix “”. When added with the prefix “alal” ( definite” ( definite article“tarticle“thehe” - to denote a name) it refers to the essential traits of” - to denote a name) it refers to the essential traits of this religion signifying an external manifestation of one’s innerthis religion signifying an external manifestation of one’s inner conviction, belief (conviction, belief (iimaniiman) towards “) towards “obedience to the will ofobedience to the will of AllahAllah”.”. The true meaning of “The true meaning of “believebelieve” or “” or “iimaniiman”” is :is : ““to be convinced in one’s heart/mind (to be convinced in one’s heart/mind (QolbQolb);); and declare with one’s tongue,and declare with one’s tongue, and practice deeds in accordance with its pillarsand practice deeds in accordance with its pillars”” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  11. 11. So “So “how does one begin to submit to Allah’s willhow does one begin to submit to Allah’s will”?”? This was succinctly enumerated by Prophet Muhammad s.a.w.This was succinctly enumerated by Prophet Muhammad s.a.w. in what is referred to as :in what is referred to as : the Pillars of Islamthe Pillars of Islam ((Arkaan-ul-IslaamArkaan-ul-Islaam).). All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  12. 12. Islam is built upon Five (pillars):Islam is built upon Five (pillars): [1] To bear witness that there is no god except[1] To bear witness that there is no god except Allah, and that Muhammad is theAllah, and that Muhammad is the Messenger of Allah;Messenger of Allah; [2] And to establish the (Daily obligatory)[2] And to establish the (Daily obligatory) Swolah;Swolah; [3] And pay out the Zakah (tax on wealth);[3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the[4] And to make pilgrimage (Hajj) to the House) for those who has the means toHouse) for those who has the means to (do) it;(do) it; [5] And to Fast (daily) in Ramadhan.[5] And to Fast (daily) in Ramadhan. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  13. 13. Islam is built upon Five (pillars):Islam is built upon Five (pillars): [1] To bear witness that there is no god except[1] To bear witness that there is no god except Allah, and that Muhammad is theAllah, and that Muhammad is the Messenger of Allah;Messenger of Allah; [2] And to establish the (Daily obligatory)[2] And to establish the (Daily obligatory) Swolah;Swolah; [3] And pay out the Zakah (tax on wealth);[3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the[4] And to make pilgrimage (Hajj) to the House) for those who has the means toHouse) for those who has the means to (do) it;(do) it; [5] And to Fast (daily) in Ramadhan.[5] And to Fast (daily) in Ramadhan. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  14. 14. THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TOTHE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (TAUTAUHHEEDEED)) IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE, MOST MERCIFULMOST MERCIFUL All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  15. 15. THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TOTHE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (TAUTAUHHEEDEED)) IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE, MOST MERCIFULMOST MERCIFUL All Rights Reserved© Zhulkeflee Hj Ismail (2014) HADITH OF JIBRA-’IL HADITH OF JIBRA-’IL LESSON # 12 LESSON # 12 ““A BEGINNERS’ COURSE ONA BEGINNERS’ COURSE ON ISLAM”ISLAM” Lessons on Fardhu ‘Ain in English for AdultsLessons on Fardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismailconducted by Ustaz Zhulkeflee Hj Ismail TOPIC ON 16 MAY 2014TOPIC ON 16 MAY 2014 Every Friday night @Every Friday night @ 8pm – 10pm8pm – 10pm Wisma Indah, 450Wisma Indah, 450 Changi Road,Changi Road, #02-00 next to Masjid#02-00 next to Masjid KassimKassim
  16. 16.  In respecting the dominance of the followers, adherents of theIn respecting the dominance of the followers, adherents of the school ofschool of FiqhFiqh ofof al-Mujtahid-mutlaq al-Imam Muhammad ibn Idrisal-Mujtahid-mutlaq al-Imam Muhammad ibn Idris ash-Shafi-’ie rhm.aash-Shafi-’ie rhm.a.. here in this region, the practices in thishere in this region, the practices in this manual / lesson onmanual / lesson on FIQHFIQH matters, shall subscribe and be inmatters, shall subscribe and be in conformity with this school of Islamic jurisprudence (conformity with this school of Islamic jurisprudence (madzhabmadzhab).).  Yet, we hold to a healthy respect and tolerance (Yet, we hold to a healthy respect and tolerance (tasamuhtasamuh) towards) towards otherother madzaahibmadzaahib andand ikhtilaafikhtilaaf (differences of opinion) amongst(differences of opinion) amongst Islamic scholars.Islamic scholars.  The dominant schools of Islamic jurisprudence generally acceptedThe dominant schools of Islamic jurisprudence generally accepted are the,are the, Ja’afari, Maliki, Hanafi, Shafi’eJa’afari, Maliki, Hanafi, Shafi’e andand Hanbali.Hanbali. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  17. 17. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  18. 18. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  19. 19. “And [tell them that] I have not created the invisible beings and men to any end other than that they may [know and] worship Me. [But withal,] no sustenance do I ever demand of them, nor do I demand that they feed Me: for, verily, Allah Himself is the Provider of all sustenance, the Lord of all might, the Eternal!” (Qur’an: Dzaariyat: 51: 56-58) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  20. 20. ““Who believe in [the existence of] that which isWho believe in [the existence of] that which is beyond the reach of human perception, and arebeyond the reach of human perception, and are constant in prayer (constant in prayer (AS-AS-SWSWOLAHOLAH), and), and (YUN-FI-QUUN)(YUN-FI-QUUN) spend on othersspend on others out of what We provide for them asout of what We provide for them as sustenance (sustenance (MAA RAZAQ-NAA-HUMMAA RAZAQ-NAA-HUM);”);” ((Qur’an: Baqarah: 2: 3Qur’an: Baqarah: 2: 3)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  21. 21. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  22. 22. ““And let notAnd let not those (YAB-those (YAB-KHKHOLU *) who covetously withheld of theOLU *) who covetously withheld of the gifts which Allah hath given them of His Gracegifts which Allah hath given them of His Grace think that it is goodthink that it is good for them: nay it will be the worse for them: soonfor them: nay it will be the worse for them: soon it will be tied toit will be tied to their necks like a twisted collar on the Day of Judgmenttheir necks like a twisted collar on the Day of Judgment. To Allah. To Allah belongs the heritage of the heavens and the earth; and Allah isbelongs the heritage of the heavens and the earth; and Allah is well acquainted with all that ye do.”well acquainted with all that ye do.” ((Qur’an: Aali ‘Imran: 3: 180Qur’an: Aali ‘Imran: 3: 180)) * From : BUKHUL – BAKHIL – “miserly” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  23. 23. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  24. 24. ““Thus, as for him whoThus, as for him who (A’-(A’-TWTWA) gives [to others]A) gives [to others] and isand is (TAQAA)(TAQAA) conscious of Allah,conscious of Allah, andand ((SWSWOD-DAQA BIL-OD-DAQA BIL-HHUSNA) believes in theUSNA) believes in the truth of the ultimate goodtruth of the ultimate good for him shall Wefor him shall We make easy the pathmake easy the path towards [ultimate] easetowards [ultimate] ease. But as for him who is niggardly, and. But as for him who is niggardly, and thinks that he is self-sufficient, andthinks that he is self-sufficient, and (KADZ-DZABA - BIL-(KADZ-DZABA - BIL-HHUSNA)USNA) calls the ultimate good a liecalls the ultimate good a lie – for him shall We make easy the– for him shall We make easy the path towards hardship: Nor will his wealth profit him when hepath towards hardship: Nor will his wealth profit him when he falls headlong (into the Pit).”falls headlong (into the Pit).” ((Qur’an: Layl : 93: 5-11Qur’an: Layl : 93: 5-11)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  25. 25. AFFIRMING IT AS TRUTH DENYING OR REJECTING IT “Doing good for Allah’s sake will be rewarded with eternal Goodness by Him” THE BELIEF BIL-BIL-HHUSNAAUSNAA BIL-BIL-HHUSNAAUSNAA SWOD-DAQA KADZ-DZABA HUSNA All Rights Reserved© Zhulkeflee Hj Ismail (2014) TWO TYPES OF PEOPLE OR Thus the usual English translation for SWODAQAH as “charity” is not accurate as it also include all forms of goodness whether it be obligatory or non-obligatory; and extensively covers all forms of kindness not merely of material help but that even sharing a ‘smile to others’ can be SWODAQAH.
  26. 26. ““Seek insteadSeek instead, by means of what Allah has granted thee, by means of what Allah has granted thee, [the, [the good of]good of] the life to comethe life to come, without forget-ting, withal, thine own, without forget-ting, withal, thine own [rightful] share in this world; and do good [unto others] as Allah[rightful] share in this world; and do good [unto others] as Allah has done good unto thee.”has done good unto thee.” ((Qur’an: Qasas: 28: 77Qur’an: Qasas: 28: 77)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  27. 27. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  28. 28. ““[In all these respects,] let him[In all these respects,] let him who has ample means spendwho has ample means spend ( YUN-FIQ*) in accordance with his amplitude( YUN-FIQ*) in accordance with his amplitude; and let him; and let him whose means of subsistence are scantywhose means of subsistence are scanty spend (FAL-spend (FAL- YUNFIQ*) in accordance with what Allah has given himYUNFIQ*) in accordance with what Allah has given him:: Allah does not burden any human being with more than HeAllah does not burden any human being with more than He has given him - [and it may well be that] Allah will grant,has given him - [and it may well be that] Allah will grant, after hardship, ease.”after hardship, ease.” ((Qur’an: Talaq : 65: 7Qur’an: Talaq : 65: 7)) * From ‘From ‘NAFAQOHNAFAQOH’ – “provision; maintenance”’ – “provision; maintenance” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  29. 29. ““.. And (the servants of the Most Gracious is the) who,.. And (the servants of the Most Gracious is the) who, whenever they (whenever they (AN-FAQUAN-FAQU) spend on others,) spend on others, areare neither wasteful nor niggardlyneither wasteful nor niggardly but [remember that]but [remember that] there is always athere is always a just meanjust mean between those [twobetween those [two extremes];”extremes];” ((Qur’an: Furqan: 25: 67Qur’an: Furqan: 25: 67)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  30. 30. ““Men are in charge (as protector and maintainer) of womenMen are in charge (as protector and maintainer) of women by [right of] what Allah hasby [right of] what Allah has given one (ability and strength togiven one (ability and strength to excel)excel) over the other and what they (over the other and what they (ANFAQUUANFAQUU) spend [) spend [forfor maintenance of themmaintenance of them] from their wealth.] from their wealth.”” ((Qur’an: An-Nisa’: 4: 34Qur’an: An-Nisa’: 4: 34)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  31. 31. NAFAQAH ““Expenditure; provisions; what one expends ofExpenditure; provisions; what one expends of money, wealth and the like, upon himself andmoney, wealth and the like, upon himself and upon his family or household, and dependents “upon his family or household, and dependents “ All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  32. 32. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  33. 33. ‘Zakah’ or ‘Zakat’ here is meant: “ the compulsory tax upon a Muslim’s wealth, to be given out to certain categories of people, as commanded by Allah.” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  34. 34.  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 SWT says: All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  35. 35.  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: ”” [Hence, O Prophet,] accept that [part] of their possessions[Hence, O Prophet,] accept that [part] of their possessions which is offered for the sake of Allah (which is offered for the sake of Allah (SwSwODOQAHODOQAH), so that thou), so that thou mayest cleanse them thereby and cause them to grow in purity,”mayest cleanse them thereby and cause them to grow in purity,” ((Qur’an: Taubah: 9: 103Qur’an: Taubah: 9: 103)”)” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  36. 36.  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.  Our interaction with this world and material possessions will have effect upon our self (Nafs), our hearts (Qolb), our soul (Ruh).  Regarding our Self, or heart, Allah says: FIRST REASONFIRST REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  37. 37. FIRST REASONFIRST REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  38. 38. ““And a soul (And a soul (NafsNafs) and Him Who perfected it.) and Him Who perfected it. And inspired it (with conscience of) what is wrong for it andAnd inspired it (with conscience of) what is wrong for it and (what is) right for it.(what is) right for it. He is indeedHe is indeed successful who purify and causes it to growsuccessful who purify and causes it to grow,, And he is indeed a failure who stunted it.”And he is indeed a failure who stunted it.” ((Qur’an: ash-Shams: 91: 7-10Qur’an: ash-Shams: 91: 7-10)) FIRST REASONFIRST REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  39. 39. FIRST REASONFIRST REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  40. 40. FIRST REASONFIRST REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  41. 41.  Islam never totally reject the world nor does it denies the importance to Muslims in acquiring much wealth.  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. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  42. 42. There is a saying: ““Love for the world (affection and attachment toLove for the world (affection and attachment to material possession) is the head (root) of everymaterial possession) is the head (root) of every sins (wrong-doings, mistakes, errors etc.)”sins (wrong-doings, mistakes, errors etc.)” All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  43. 43. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  44. 44. ““Verily We have created Man into toil and struggle. ThinksVerily We have created Man into toil and struggle. Thinks he, that none hath power over him? He may sayhe, that none hath power over him? He may say (boastfully): "(boastfully): "Wealth have I squandered inWealth have I squandered in abundanceabundance!”!” Thinks he that none beholds him?Thinks he that none beholds him? Have WeHave We not made for him a pair of eyes?― And a tongue, and a pairnot made for him a pair of eyes?― And a tongue, and a pair of lips?― And shown him the two highways? “of lips?― And shown him the two highways? “ ((Qur’an: al-Balad: 90: 7-10Qur’an: al-Balad: 90: 7-10)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  45. 45. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  46. 46. ““But he would not attempt the uphill road. And whatBut he would not attempt the uphill road. And what will make you comprehend what the uphill road is? (Itwill make you comprehend what the uphill road is? (It is) theis) the setting free of a slavesetting free of a slave, Or the, Or the giving of food in agiving of food in a day of hungerday of hunger. To an. To an orphanorphan,, having relationshiphaving relationship, Or to, Or to the poor man lying in the dustthe poor man lying in the dust. Then he. Then he is of those whois of those who believebelieve andand charge one another to show patiencecharge one another to show patience, and, and charge one another to show compassioncharge one another to show compassion. These are the. These are the people of the right hand.“people of the right hand.“ ((Qur’an: al-Balad: 90: 11-18Qur’an: al-Balad: 90: 11-18)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  47. 47.  Thus, Muslims not only needs to be reminded that:Thus, Muslims not only needs to be reminded that: [a][a] possession and wealth are bestowals of Allah SWT, only aspossession and wealth are bestowals of Allah SWT, only as temporary trust (temporary trust (amanahamanah) for our use;) for our use; [b][b] it isit is how you gethow you get this wealth andthis wealth and how you spenthow you spent it that you shall beit that you shall be questioned by Allah SWT –questioned by Allah SWT – not how muchnot how much you accumulate!you accumulate! All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  48. 48.  Thus, Muslims not only needs to be reminded that:Thus, Muslims not only needs to be reminded that: [c][c] remember how innocent we were, until we began to developremember how innocent we were, until we began to develop selfishness, greed, miserly, covetousness etc.selfishness, greed, miserly, covetousness etc.  Thus,Thus, ZakahZakah is to effectively and as practical reminder to beis to effectively and as practical reminder to be inculcated, so as not to allow such corruptions to occur in ourinculcated, so as not to allow such corruptions to occur in our Self/Soul.Self/Soul. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  49. 49.  All bestowals and wealth is from Allah SWT. 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. SECOND REASONSECOND REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  50. 50.  There is no shortage of Allah’s bestowal upon mankind regarding wealth and provision – mankind's’ economic problem is only regarding its distribution.  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. SECOND REASONSECOND REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  51. 51.  Thus, Muslim regards part of what Allah SWT gives him to include what belongs to others, which becomes his Amanah (trust) to distribute them to its rightful recipients. SECOND REASONSECOND REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  52. 52.  And because the Muslim regards his wealth to include what belongs to others, as long as these are not given out to their rightful recipients, his wealth is not regarded totally as his.  Therefore by giving out the zakat, it is like purifying the wealth which is in his possession from what is not his (which are forbidden for him to consume). SECOND REASONSECOND REASON All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  53. 53. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  54. 54.  What is the real worth of our wealth? Upon our death, theseWhat is the real worth of our wealth? Upon our death, these wealth loses all value for us, except those that has been spentwealth loses all value for us, except those that has been spent in accordance towards what Allah SWT commanded us to – andin accordance towards what Allah SWT commanded us to – and He promises to increase them, not only its amount, but its realHe promises to increase them, not only its amount, but its real value for us will be eternally enjoyed beyond our death.value for us will be eternally enjoyed beyond our death. FIRST REASONINGFIRST REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  55. 55.  The promise reward is a minimum return of 1 : 700% (certainlyThe promise reward is a minimum return of 1 : 700% (certainly a most generous investment returns for our hereafter).a most generous investment returns for our hereafter). FIRST REASONINGFIRST REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  56. 56. FIRST REASONINGFIRST REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  57. 57. ““ THE PARABLETHE PARABLE of those who spend their possessions forof those who spend their possessions for the sake of Allah is that of a grain out of which growthe sake of Allah is that of a grain out of which grow seven ears, in every ear a hundred grains: for Allahseven ears, in every ear a hundred grains: for Allah grants manifold increase unto whom He wills; and Allahgrants manifold increase unto whom He wills; and Allah is infinite, all-knowing.”is infinite, all-knowing.” ((Qur’an: Baqarah: 2: 261Qur’an: Baqarah: 2: 261)) FIRST REASONINGFIRST REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  58. 58.  More importantly, this ‘increase’ promised by Allah SWT isMore importantly, this ‘increase’ promised by Allah SWT is bothboth REALREAL because it will be in the after-life where its fullbecause it will be in the after-life where its full benefits are not limited (as in this world), and it will bebenefits are not limited (as in this world), and it will be PERPETUALPERPETUAL unlike here in this temporary world.unlike here in this temporary world. FIRST REASONINGFIRST REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  59. 59.  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). SECOND REASONINGSECOND REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  60. 60.  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. SECOND REASONINGSECOND REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  61. 61.  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. SECOND REASONINGSECOND REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  62. 62.  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. SECOND REASONINGSECOND REASONING All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  63. 63. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  64. 64. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  65. 65. TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  66. 66. AgriculturalAgricultural produceproduce TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT 635 kg.635 kg. PerPer harvestharvest  5% produce in5% produce in case of irrigatedcase of irrigated land.land.  10% produce10% produce from rain-fedfrom rain-fed land.land. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  67. 67. Gold, silver orGold, silver or ornaments ofornaments of gold and silvergold and silver TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT 85 gm85 gm (gold)(gold) 595 gm595 gm (silver)(silver) One year (lunar)  2.5% of the value Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  68. 68. Cash, in handCash, in hand or in the bankor in the bank TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT One year (lunar)  2.5% of the2.5% of the amount of cashamount of cash in hand or inin hand or in bankbank Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi Value ofValue of 595 gm595 gm (silver)(silver) (MUIS)* S$4,568 as @ DECEMBER 2013 *Islamic Religious Council of Singapore All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  69. 69. Trading goodsTrading goods TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT One year (lunar)  2.5% of the value of the goods Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi Value ofValue of 595 gm595 gm (silver)(silver) (MUIS)* S$4,568 as @ DECEMBER 2013 *Islamic Religious Council of Singapore All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  70. 70. Cows andCows and buffaloesbuffaloes TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT 30 in numbers -  For every 30, a 1- year old calf; and so on. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  71. 71. Goats and sheep TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT 40 in numbers -  One sheep for first 40;  Two for 120; and so on. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  72. 72. Produce of theProduce of the mines – allmines – all kinds ofkinds of mineralsminerals TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT Any amount -  20% of the value of produce Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  73. 73. Camels TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT 5 numbers -  5 up to 24 : one sheep or goat for every 5 camels; 25 up to 35 : one 1- year old she camel; and so on Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  74. 74. In keeping with changing economic system (development), thereIn keeping with changing economic system (development), there may be other types of wealth which contemporary Islamic juristsmay be other types of wealth which contemporary Islamic jurists may regard to be ‘zakatable’ by consensus (may regard to be ‘zakatable’ by consensus (IJMA’IJMA’) or in accordance) or in accordance with acceptable scholarly exertion (with acceptable scholarly exertion (IJTIHADIJTIHAD), be it analogous), be it analogous deduction (deduction (QIYASQIYAS), preference (), preference (ISTIHSANISTIHSAN), needs (), needs (MASLAHATMASLAHAT ) etc.) etc. TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi Wa-Allaahu a’lam (IT IS ALLAH WHO KNOWS ALL) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  75. 75. ““ASAANIF”ASAANIF” : THE CATEGORIES OF PEOPLE: THE CATEGORIES OF PEOPLE UNTO WHICH ZAKAT MUST BE GIVEN TO.UNTO WHICH ZAKAT MUST BE GIVEN TO. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  76. 76. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  77. 77. ““ The alms are only for the poor and the needy, and those whoThe alms are only for the poor and the needy, and those who collect them, and those whose hearts are to be reconciled, andcollect them, and those whose hearts are to be reconciled, and to free the captives and the debtors, and for the cause ofto free the captives and the debtors, and for the cause of Allah, and (for) the wayfarerAllah, and (for) the wayfarer; a duty imposed by Allah; a duty imposed by Allah. Allah is. Allah is Knower, Wise.”Knower, Wise.” ((Qur’an: Taubah: 9: 60Qur’an: Taubah: 9: 60)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  78. 78. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  79. 79. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  80. 80. ““The Believers men and women, are (The Believers men and women, are (AWLIYA’AWLIYA’)) protectorsprotectors one of anotherone of another: they enjoin what is just, and forbid what is: they enjoin what is just, and forbid what is evil: they observe regular prayers (evil: they observe regular prayers (swolahswolah), practice), practice regular charity (regular charity (zakahzakah), and obey Allah and His Messenger.), and obey Allah and His Messenger. On them will Allah pour His mercy: for Allah is Exalted inOn them will Allah pour His mercy: for Allah is Exalted in power, Wise.”power, Wise.” ((Qur’an: Taubah: 9: 71Qur’an: Taubah: 9: 71)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  81. 81. [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. FUQARA’ - FAAQIRFUQARA’ - FAAQIR All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  82. 82. [2] These are the “needy; those in need” or (those slightly better- off than the “Faaqir”) 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.” MASAAKIN - MISKEENMASAAKIN - MISKEEN All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  83. 83. [3] The full description is “[3] The full description is “those who are employed or workingthose who are employed or working upon itupon it (collecting and distributing the zakah)”.(collecting and distributing the zakah)”. This imply necessity for zakat institution be managedThis imply necessity for zakat institution be managed (efficiently) professionally; and to safeguard the honour of every(efficiently) professionally; and to safeguard the honour of every Muslims from having to beg.Muslims from having to beg. ‘‘AAMILEEN – ‘AMILAAMILEEN – ‘AMIL All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  84. 84. [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. MU-ALLAFMU-ALLAF All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  85. 85. [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’. RI-QAABRI-QAAB All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  86. 86. [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 “Faaqir & Miskeen” but in a temporary sense, because of unforeseen expenditure incurred due to misfortune, sickness, accident, calamities etc. GHAA-RIMEENGHAA-RIMEEN All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  87. 87. [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. FEE-SABI-LILLAAHFEE-SABI-LILLAAH All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  88. 88. [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-kana) managed by Islamic treasury (Bayt-ul-Maal) , for every Muslim travellers. IBNUS-SABEELIBNUS-SABEEL All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  89. 89. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  90. 90. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  91. 91. ““Fair in the eyes of men is the love of things they covetFair in the eyes of men is the love of things they covet: women: women and sons; heaped-up hoards of gold and silver; horses branded (forand sons; heaped-up hoards of gold and silver; horses branded (for blood and excellence); and (wealth of) cattle and well-tilled land.blood and excellence); and (wealth of) cattle and well-tilled land. Such are the possessions of this world's life;Such are the possessions of this world's life; but in nearness tobut in nearness to Allah is the best of the goals (to return to).Allah is the best of the goals (to return to).”” ((Qur’an: Aali ‘Imran: 3:14Qur’an: Aali ‘Imran: 3:14)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  92. 92. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  93. 93. "But seek,"But seek, with the (wealth) which Allah has bestowed onwith the (wealth) which Allah has bestowed on thee, the Home of the Hereafterthee, the Home of the Hereafter, nor forget thy portion in this, nor forget thy portion in this world: but do thou good, as Allah has been good to thee, andworld: but do thou good, as Allah has been good to thee, and seek not (occasions for) mischief in the land: for Allah loves notseek not (occasions for) mischief in the land: for Allah loves not those who do mischief."those who do mischief." ((Qur’an: Qasas: 28: 77Qur’an: Qasas: 28: 77)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  94. 94. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  95. 95. “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 (2014)
  96. 96. Render not vain your almsgiving (swodaqat) by reproach and injury, (Q: Baqarah: 2: 264) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  97. 97. “ 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 (2014)
  98. 98. ““ Kind words and the covering of faultsKind words and the covering of faults are betterare better than charity followed by injury. Allah is free of all wants,than charity followed by injury. Allah is free of all wants, and He is Most Forbearing. ”and He is Most Forbearing. ” ((Qur’an: Baqarah: 2: 263Qur’an: Baqarah: 2: 263)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  99. 99. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  100. 100. ““ O ye who believe!O ye who believe! Render not vain your almsgivingRender not vain your almsgiving ((swodaqatswodaqat)) by reproach and injury, like him who spends his wealth only to beby reproach and injury, like him who spends his wealth only to be seen of men and believes not in Allah and the Last Day. Hisseen 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; alikeness is as the likeness of a rock whereon is dust of earth; a rainstorm smites it, leaving it smooth and bare. They have norainstorm smites it, leaving it smooth and bare. They have no control of aught of that which they have gained. Allah guides notcontrol of aught of that which they have gained. Allah guides not the disbelieving folk. ”the disbelieving folk. ” ((Qur’an: Baqarah: 2: 264Qur’an: Baqarah: 2: 264)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  101. 101. ““ TheThe Satan threatens you with povertySatan threatens you with poverty and bids you to conductand bids you to conduct unseemly. Allah promises you His forgiveness and bounties andunseemly. Allah promises you His forgiveness and bounties and Allah cares for all and He knows all things.”Allah cares for all and He knows all things.” ((Qur’an: Baqarah: 2: 268Qur’an: Baqarah: 2: 268)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  102. 102. ““ Whatever of good ye give benefits your own souls and ye shallWhatever of good ye give benefits your own souls and ye shall only do so seeking the "Face" of Allah.only do so seeking the "Face" of Allah. Whatever good ye give, shallWhatever good ye give, shall be rendered back to yoube rendered back to you and ye shall not be dealt with unjustly. ”and ye shall not be dealt with unjustly. ” ((Qur’an: Baqarah: 2: 272Qur’an: Baqarah: 2: 272)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  103. 103. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  104. 104. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  105. 105. ““And let not those whoAnd let not those who covetously withheld of the gifts whichcovetously withheld of the gifts which Allah hath given them of His Grace think that it is good for themAllah 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 necksnay 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 thelike a twisted collar on the Day of Judgment. To Allah belongs the heritage of the heavens and the earth; andheritage of the heavens and the earth; and Allah is wellAllah is well acquainted with all that ye do.acquainted with all that ye do.”” ((Qur’an: Aali ‘Imran: 3: 180Qur’an: Aali ‘Imran: 3: 180)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  106. 106. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  107. 107. ““Allah hath heard the taunt of those who say: "Truly, Allah isAllah hath heard the taunt of those who say: "Truly, Allah is indigent and we are rich!",― We shall certainly record theirindigent and we are rich!",― We shall certainly record their word and (their act) of slaying the Prophets in defiance ofword and (their act) of slaying the Prophets in defiance of right, and We shall say: "Taste ye the penalty of theright, and We shall say: "Taste ye the penalty of the Scorching Fire!. “Scorching Fire!. “ ((Qur’an: Aali ‘Imran: 3: 181Qur’an: Aali ‘Imran: 3: 181)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  108. 108. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  109. 109. “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 (2014)
  110. 110. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  111. 111. ““On the Day whenOn the Day when heat will be produced out of that (wealth) inheat will be produced out of that (wealth) in the fire of Hell, and with it will be branded their foreheads, theirthe fire of Hell, and with it will be branded their foreheads, their flanks and their backsflanks and their backs― "This is the (treasure) which ye buried― "This is the (treasure) which ye buried for yourselves: taste ye, then the (treasures) ye buried!"for yourselves: taste ye, then the (treasures) ye buried!" ((Qur’an: Taubah: 9: 35Qur’an: Taubah: 9: 35 )) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  112. 112. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  113. 113. ““And spend [in the way of Allah] from what We haveAnd spend [in the way of Allah] from what We have provided you before death approachesprovided you before death approaches one of you and heone of you and he says, "My Lord, if only You would delay me for a brief term sosays, "My Lord, if only You would delay me for a brief term so I would give charity and be among the righteous.I would give charity and be among the righteous. But neverBut never will Allah delay a soul when its time has comewill Allah delay a soul when its time has come. And Allah is. And Allah is Acquainted with what you do..”Acquainted with what you do..” ((Qur’an: Munafiun: 63: 10-11Qur’an: Munafiun: 63: 10-11 )) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  114. 114. ““Protect your wealthProtect your wealth by paying theby paying the ZakahZakah, and, and heal your sickheal your sick by giving charity (by giving charity (sadaqahsadaqah)”)” ((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  115. 115. He said: “Verily, your wealth is only what you have spent (forHe said: “Verily, your wealth is only what you have spent (for your needs, or given away in charity or as gifts), what remainsyour needs, or given away in charity or as gifts), what remains with you is (actually held by you) to be inherited by others.”with you is (actually held by you) to be inherited by others.” ((Hadith reported by Bukhary and MuslimHadith reported by Bukhary and Muslim)) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  116. 116. ““There is no wealth which is mixed with (portions in which)There is no wealth which is mixed with (portions in which) zakatzakat (is not paid) except that it will be cause of destruction.”(is not paid) except that it will be cause of destruction.” ((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  117. 117. ““If you fulfil (pay out) theIf you fulfil (pay out) the zakatzakat upon your wealth with a goodupon your wealth with a good heart (i.e. without feeling regret or sense of loss, or beingheart (i.e. without feeling regret or sense of loss, or being insincere, hypocritical etc.), theninsincere, hypocritical etc.), then in reality you have been savedin reality you have been saved from the evil (or harm which your wealth may bring upon you)from the evil (or harm which your wealth may bring upon you).”.” ((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).) All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  118. 118. All Rights Reserved© Zhulkeflee Hj Ismail (2014)
  119. 119. ““O Allah! Make sufficient for us our provision with what isO Allah! Make sufficient for us our provision with what is lawful (halal) and not from what is forbidden (haram).lawful (halal) and not from what is forbidden (haram). Enrich us with the bestowals from You alone, not fromEnrich us with the bestowals from You alone, not from other than You.”other than You.” ALLA-HUM-MAK - FI-NAA BI-ALLA-HUM-MAK - FI-NAA BI-HHA-LAA-LI-KA- ‘AN-A-LAA-LI-KA- ‘AN-HHA-RAA-MIK,A-RAA-MIK, WA-ARGH-NI-NAA – BI – FAWA-ARGH-NI-NAA – BI – FADwDw -LI-KA – ‘AM-MAN –SI- WAAK-LI-KA – ‘AM-MAN –SI- WAAK
  120. 120. ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL-ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL- BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI,BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI, WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA –WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA – AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN-AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN- YAA – WA – ‘A-DZAA-BIL – QAB-RIYAA – WA – ‘A-DZAA-BIL – QAB-RI
  121. 121. ““O AllO Allaah, I seek refuge in You from miserliness and cowardice, Ih, 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.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 ofold age, being weak, destitute, incapable and in a state of fear, etc.”, and I seek refuge in You from the trials andfear, etc.”, and I seek refuge in You from the trials and tribulations of this worldly life and the punishment of thetribulations of this worldly life and the punishment of the grave.”grave.”
  122. 122. ““O Allah! We ask that You be pleased with us and (grant us)O Allah! We ask that You be pleased with us and (grant us) the Paradise, and we seek refuge (in You) from Your wraththe Paradise, and we seek refuge (in You) from Your wrath and the Hell-fire.”and the Hell-fire.” ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI-ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- DwDwAA -KA WAL JAN-NATA,AA -KA WAL JAN-NATA, WA-NA-’UU- DzU- BI-KA MIN SA-WA-NA-’UU- DzU- BI-KA MIN SA-KHKHA-TI-KA WAN-NAARA-TI-KA WAN-NAAR
  123. 123. ““(May) Allah grant His Reward upon Muhammad,(May) Allah grant His Reward upon Muhammad, salutations of Allah and Peace be upon him and hissalutations of Allah and Peace be upon him and his family, in accordance with what he deserves (infamily, in accordance with what he deserves (in Allah’s knowledge & estimation).”Allah’s knowledge & estimation).” JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHUJAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘‘ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHUALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU
  124. 124. WA -WA - SWSWOL-LAL-LAAHU – ‘A – LAA – SAI-YI-DI-NAA – MUOL-LAL-LAAHU – ‘A – LAA – SAI-YI-DI-NAA – MUHHAM-MADIN –AM-MADIN – WA – ‘ALAA – AA -LIHI – WA -WA – ‘ALAA – AA -LIHI – WA - SWSWOOHH – BI-HI – WAS - SAL-LA-M– BI-HI – WAS - SAL-LA-M WAL –WAL – HHAM – DU – LIL-LAA – HI – ROB – BIL – ‘AA – LA - MEENAM – DU – LIL-LAA – HI – ROB – BIL – ‘AA – LA - MEEN ““And may the Salutations of Allah and peace be uponAnd may the Salutations of Allah and peace be upon our Leader Muhammadour Leader Muhammad and his family and Companions.and his family and Companions. And all praises belongs to Allah,And all praises belongs to Allah, Lord Sustainer of the worlds.”Lord Sustainer of the worlds.”
  125. 125. ””Glory to thy Lord the Lord, of Honour and Power! (HeGlory to thy Lord the Lord, of Honour and Power! (He is free) from what they ascribe (to Him)! And Peace onis free) from what they ascribe (to Him)! And Peace on the Messengers! And praise to Allah, the Lord andthe Messengers! And praise to Allah, the Lord and Cherisher of the Worlds.”Cherisher of the Worlds.” ((Qur’an : Saffat: 37 : 180-182Qur’an : Saffat: 37 : 180-182))
  126. 126. 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/ 126

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