[Slideshare] fardhu'ain-lesson#12-arkaan-ul-islam(3)-zakah(4-january-2013)

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[Slideshare] fardhu'ain-lesson#12-arkaan-ul-islam(3)-zakah(4-january-2013)

  1. 1. IN THE NAME OF ALLAH, MOST COMPASSIONATE, “A BEGINNERS’ COURSE ON MOST MERCIFUL ISLAM” IL -’ I A Lessons on Fardhu ‘Ain in English for Adults IBR F J 12 conducted by Ustaz Zhulkeflee Hj Ismail N # H O DIT O HA E SS L Every Friday IT CAN ALSO BE A night @ 8pm – 10pm REFRESHER COURSE Wisma Indah, FOR MUSLIM “ARKAAN AL-ISLAM” 450 Changi PARENTS, Road, Pillars of Islam (Submission) #02-00 next to EDUCATORS, IN Masjid Kassim CONTEMPORARY AZ-ZAKAH SINGAPORE. OPEN TO ALL (TAX UPON WEALTH) 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)” UPDATED JANUARY 2013All Rights Reserved© Zhulkeflee Hj Ismail (2012) 1
  2. 2. FROM PREVIOUS LESSONS IN THE NAME OF ALLAH, FARDHU’AIN: CONDUCTED BY MOST COMPASSIONATE, USTAZ ZHULKEFLEE HJ ISMAIL MOST MERCIFUL LESSONS FROM TEXTBOOK “Beginners’ Manual on Islam” (The basic message of Islam) 2All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  3. 3. FROM PREVIOUS LESSONS “Allah” : Arabic proper noun; name for God, it refers to the One and Only, the Unique Creator, Lord Sustainer of the Universe, Who Alone is God – there is none besides Allah. No equivalent translation in non-Semitic language.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  4. 4. FROM PREVIOUS LESSONS “Muhammad s.a.a.w.” : Arabic name meaning “the Praised One”; he is the Chosen, Unlettered Prophet, the servant and Messenger of Allah, the Awaited Seal of Prophethood after whom there will be no more prophet sent.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  5. 5. IIMAN ‘AMAL IHSAN [Islam] Belief Submission Best or Faith Obedience Righteous Conviction Practice Conduct Faith without obedience is meaningless; and obedience without Faith is mere rituals and may even lead to hypocrisy. Together, Faith and Obedience must lead to Righteousness with IHSAN 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 submission to the Will of Allah (as Muslim).All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  6. 6. IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL THE SECOND ASPECT REQUIRED IN THE ATTESTATION TO THE ABSOLUTE ONENESS OF ALLAH (TAU HEED)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  7. 7. “Do they seek for other than the Religion of Allah?―While all creatures in the heavens and on earth have willing, or unwilling, bowed to His Will (accepted Islam), and to Him shall they all be brought back.” (Qur’an: Aali ‘Imran: 3: 83)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  8. 8. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  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 (2012)
  10. 10. The word “Islam” - literally means “surrender; submission”. When added with the prefix “al” ( definite article“the” - to denote a name) it refers to the essential traits of this religion signifying an external manifestation of one’s inner conviction, belief (iiman) towards “obedience to the will of Allah”. The true meaning of “believe” or “iiman” is : “to be convinced in one’s heart/mind (Qolb); and declare with one’s tongue, and practice deeds in accordance with its pillars ”All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  11. 11. So “how does one begin to submit to Allah’s will”? This was succinctly enumerated by Prophet Muhammad s.a.w. in what is referred to as : the Pillars of Islam (Arkaan-ul-Islaam).All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  12. 12. Islam is built upon Five (pillars): [1] To bear witness that there is no god except Allah, and that Muhammad is the Messenger of Allah; [2] And to establish the (Daily obligatory) Swolah; [3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the House) for those who has the means to (do) it; [5] And to Fast (daily) in Ramadhan.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  13. 13. Islam is built upon Five (pillars): [1] To bear witness that there is no god except Allah, and that Muhammad is the Messenger of Allah; [2] And to establish the (Daily obligatory) Swolah; [3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the House) for those who has the means to (do) it; [5] And to Fast (daily) in Ramadhan.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  14. 14. IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (TAUHEED)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  15. 15.  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).  Yet, we hold to a healthy respect and tolerance ( tasamuh) towards other madzaahib and ikhtilaaf (differences of opinion) amongst Islamic scholars.  The dominant schools of Islamic jurisprudence generally accepted are the, Ja’afari, Maliki, Hanafi, Shafi’e and Hanbali.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  18. 18. “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 (2012)
  19. 19. “Who believe in [the existence of] that which is beyond the reach of human perception, and are constant in prayer, and spend on others out of what We provide for them as sustenance;” (Qur’an: Baqarah: 2: 3)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  21. 21. “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 (2012)
  22. 22. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  23. 23. “Thus, as for him who gives [to others] and is conscious of Allah, and believes in the truth of the ultimate good for him shall We make easy the path towards [ultimate] ease. But as for him who is niggardly, and thinks that he is self-sufficient, and calls the ultimate good a lie – for him shall We make easy the path towards hardship:” (Qur’an: Layl : 93: 5-11)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  24. 24. “Doing good for Allah’s sake AFFIRMING IT AS TRUTH will be rewarded with eternal Goodness by Him” DENYING OR REJECTING ITAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  25. 25. “Seek instead, by means of what Allah has granted thee, [the good of] the life to come, without forget-ting, withal, thine own [rightful] share in this world; and do good [unto others] as Allah has done good unto thee.” (Qur’an: Qasas: 28: 77)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  27. 27. “[In all these respects,] let him who has ample means spend in accordance with his amplitude; and let him whose means of subsistence are scanty spend in accordance with what Allah has given him: Allah does not burden any human being with more than He has given him - [and it may well be that] Allah will grant, after hardship, ease.” (Qur’an: Talaq : 65: 7)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  28. 28. “.. And (the servants of the Most Gracious is the) who, whenever they spend on others, are neither wasteful nor niggardly but [remember that] there is always a just mean between those [two extremes];” (Qur’an: Furqan: 25: 67)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  30. 30. ‘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 (2012)
  31. 31.  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:All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  32. 32.  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 which is offered for the sake of Allah (SwODOQAH), so that thou mayest cleanse them thereby and cause them to grow in purity,” (Qur’an: Taubah: 9: 103)”All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  33. 33. FIRST REASON  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:All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  34. 34. FIRST REASONAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  35. 35. FIRST REASON “And a soul (Nafs) and Him Who perfected it. And inspired it (with conscience of) what is wrong for it and (what is) right for it. He is indeed successful who purify and causes it to grow, And he is indeed a failure who stunted it.” (Qur’an: ash-Shams: 91: 7-10)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  36. 36. FIRST REASONAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  37. 37. FIRST REASONAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  38. 38.  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 (2012)
  39. 39. There is a saying: “Love for the world (affection and attachment to material possession) is the head (root) of every sins (wrong-doings, mistakes, errors etc.)”All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  41. 41. “Verily We have created Man into toil and struggle. Thinks he, that none hath power over him? He may say (boastfully): "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)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  42. 42.  Thus, Muslims not only needs to be reminded that: [a] possession and wealth are bestowals of Allah, only as temporary trust (amanah) for our use; [b] it is how you get this wealth and how you spent it that you shall be questioned by Allah s.w.t. – not how much you accumulate!All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  43. 43.  Thus, Muslims not only needs to be reminded that: [c] remember how innocent we were, until we began to develop selfishness, greed, miserly, covetousness etc.  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  44. 44. SECOND REASON  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  45. 45. SECOND REASON  There is no shortage of Allah’s bestowal upon mankind regarding wealth and provision – mankinds’ 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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  46. 46. SECOND REASON  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  47. 47. SECOND REASON  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  49. 49. FIRST REASONING  What is the real worth of our wealth? With death, these wealth loses 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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  50. 50. FIRST REASONING  The promise reward is a minimum return of 1 : 700% (certainly a most generous investment returns for our hereafter).All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  51. 51. FIRST REASONINGAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  52. 52. FIRST REASONING “ THE PARABLE of those who spend their possessions for the sake of Allah is that of a grain out of which grow seven ears, in every ear a hundred grains: for Allah grants manifold increase unto whom He wills; and Allah is infinite, all-knowing..” (Qur’an: Baqarah: 2: 261)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  53. 53. FIRST REASONING  More importantly, this ‘increase’ promised by Allah SWT is both REAL because it will be in the after-life where its full benefits are not limited (as in this world), and it will be PERPETUAL unlike here in this temporary world.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  54. 54. SECOND REASONING  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).All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  55. 55. SECOND REASONING  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  56. 56. SECOND REASONING  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  57. 57. SECOND REASONING  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.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  60. 60. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Per  5% produce in Agricultural 635 kg. harvest case of irrigated produce land.  10% produce from rain-fed land. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  61. 61. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Gold, silver or 85 gm  2.5% of the One value ornaments of (gold) year gold and silver (lunar) 595 gm (silver) Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  62. 62. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Value of Cash, in hand 595 gm  2.5% of the One amount of cash or in the bank (silver) year in hand or in (lunar) bank (MUIS)* S$5,908 as @ JANUARY 2013 *Islamic Religious Council of Singapore Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  63. 63. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Value of Trading goods 595 gm  2.5% of the One value of the (silver) year goods (lunar) (MUIS)* S$5,908 as @ JANUARY 2013 *Islamic Religious Council of Singapore Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  64. 64. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Cows and 30 in -  For every 30, a 1- year old calf; and buffaloes numbers so on. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  65. 65. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Goats and sheep 40 in -  One sheep for numbers first 40;  Two for 120; and so on. Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  66. 66. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT Produce of the Any -  20% of the value mines – all amount of produce kinds of minerals Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  67. 67. TYPES OF WEALTH NISAB HAUL  5 up to 24 : one Camels 5 numbers - 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-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  68. 68. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT 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. Wa-Allaahu a’lam (IT IS ALLAH WHO KNOWS ALL) Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  69. 69. “ASAANIF” : THE CATEGORIES OF PEOPLE UNTO WHICH ZAKAT MUST BE GIVEN TO.All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  71. 71. “ 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 (2012)
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  74. 74. “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 (2012)
  75. 75. FUQARA’ - FAAQIR [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 (2012)
  76. 76. MASAAKIN - MISKEEN [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 (2012)
  77. 77. ‘AAMILEEN – ‘AMIL [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 (2012)
  78. 78. MU-ALLAF [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 (2012)
  79. 79. RI-QAAB [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 (2012)
  80. 80. GHAA-RIMEEN [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 (2012)
  81. 81. FEE-SABI-LILLAAH [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 (2012)
  82. 82. IBNUS-SABEEL [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 (2012)
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  85. 85. “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 worlds 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 (2012)
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  87. 87. "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." (Qur’an: Qasas: 28: 77)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
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  89. 89. “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 (2012)
  90. 90. Render not vain your almsgiving (swodaqat) by reproach and injury, (Q: Baqarah: 2: 264)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  91. 91. “ 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 (2012)
  92. 92. “ 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 (2012)
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  94. 94. “ 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 (2012)
  95. 95. “ 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 (2012)
  96. 96. “ Whatever of good ye give benefits your own souls and ye shall only do so seeking the "Face" 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 (2012)
  97. 97. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  98. 98. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  99. 99. “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 (2012)
  100. 100. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  101. 101. “Allah hath heard the taunt of those who say: "Truly, Allah is indigent and we are rich!",― We shall certainly record their word and (their act) of slaying the Prophets in defiance of right, and We shall say: "Taste ye the penalty of the Scorching Fire!. “ (Qur’an: Aali ‘Imran: 3: 181)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  102. 102. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  103. 103. “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 (2012)
  104. 104. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  105. 105. “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― "This is the (treasure) which ye buried for yourselves: taste ye, then the (treasures) ye buried!" (Qur’an: Taubah: 9: 35 )All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  106. 106. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  107. 107. “And spend [in the way of Allah] from what We have provided you before death approaches one of you and he says, "My Lord, if only You would delay me for a brief term so I would give charity and be among the righteous. But never will Allah delay a soul when its time has come. And Allah is Acquainted with what you do..” (Qur’an: Munafiun: 63: 10-11 )All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  108. 108. “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 (2012)
  109. 109. He said: “Verily, your wealth is only what you have spent (for your needs, or given away in charity or as gifts), what remains with you is (actually held by you) to be inherited by others.” (Hadith reported by Bukhary and Muslim)All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  110. 110. “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 (2012)
  111. 111. “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 (2012)
  112. 112. All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  113. 113. 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 “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.”All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  114. 114. 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-RIAll Rights Reserved© Zhulkeflee Hj Ismail (2012)
  115. 115. “O Allah, 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 (2012)
  116. 116. 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 “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.”All Rights Reserved© Zhulkeflee Hj Ismail (2012)
  117. 117. JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU “(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 (2012)
  118. 118. ”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 (2012)
  119. 119. 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/ 119All Rights Reserved © Zhulkeflee Hj Ismail 2012

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