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Al-Cordoby  
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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Topic: Zakah: The Social Pillar of Islam
    Posted: 17 February 2009 at 11:30pm
This thread is a continuation of an earlier thread with the same title which can be found in the forum archives:
 
 
The importance of Zakah for any Muslim community or country in today's context is becoming very clear
 
Free markets have proven to be the most efficient when free of monopoly, exploitation and usury, so how can the social issues which affect those in need  be dealt with?
 
The answer according to Islam, in addition to the social network provided by sons, daughters, relatives and neighbors, is in the system of Zakah
 
The Zakah system ensures that the "rights" of those in need are catered for by a religious obligation on those who have savings that exceed a certain minimum level which covers their basic expenses. This is one of the five basic pillars of Islam.
 
In the ideal case, in a Muslim country, the government is responsible for collecting Zakah funds and distributing them to those who are entitled to Zakah (8 types of expenses). 
 
More details in this IOL article: 
 
Taking Alms of Their Wealth: Zakat al-Mal
 
 
 
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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 23 February 2009 at 10:47pm
Think of the impact of Zakah in the context of today's World Financial Crisis
 
If the rich people in society give 2.5% of their yearly savings to the poor, would there remain any family in extreme poverty as we see around the world today?
 
What impact would this voluntary transfer of funds have on the economy?
 
A: An increase in aggregate demand, and if the rich go beyod the minimum limit of 2.5% to say 5% or 10%, this would have an effective impact on the economy and would bring it out of any recession or depression as the increased consumer spending would lead to an increase in aggregate demand, which is the way for recovery
 
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Rating: 0 of 0 votes Quote The_Seeker Replybullet Posted: 24 February 2009 at 5:20pm
Asalaam Alaikum!

Great thread! I recently learned that if a Masjid collects Zakah, the money cannot be used for things like maintaining the Masjid, paying bills, etc. 100% of Zakah money collected has to go directly to the needy. A Masjid must collect seperate funds for operating costs.

I personally think that the 2.5% is the bare minimum. The more wealthy someone is, the more they should give. But that's just me.

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The Prophet Muhammad (peace be upon him) said: "The strong person is not the one who knocks others down, but the one who controls himself when angry."
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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 19 March 2009 at 5:54am
Yes, money collected for Zakah must be spent only for the 8 purposes of Zakah which are mentioned in the Qur'an
 
Islam is a practical religion. 2.5% of yearly savings to the poor is feasible for most people, and he who wants to come closer to Allah is free to increase as much as he can. Had the minimum been 20% or 25%, most people would not be able to do it, but 2.5% is a reasonable percentage.
 
In Islam, paying Zakah to those in need is as important as praying 5 times a day

This is how it's calculated:

The Calculation of Zakah for Muslims in North America

Zakah is one of the prime foundations of Islam. It is not a coincidence that the Arabic word zakah comes from the root z-k-y, which means "to purify." The giving of the portion of one's wealth purifies and grows the capital: growth through giving away, yet another secret from the wondrous works of our iman (faith).

In order that Muslims in North America might carry out the divine orders with carefulness, perfection, and exactness, we reach out to them to perform this essential duty. This booklet, The Calculation of Zakah for Muslims in North America, will help them calculate the zakah, know its due time, and measure the level of nisab ("zakatability"). We present to you this work by Dr. Monzer Kahf, a booklet that serves as an operational guide for Muslims in North America.

Click here to download the Portable Document Format (PDF)

http://www.readingislam.com/servlet/Satellite?c=Article_C&cid=1165994170174&pagename=Zone-English-Discover_Islam%2FDIELayout

 

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 13 April 2009 at 1:53pm

A Talk about Charity

Mostafa Hosny talks about charity in Islam (English sub-titles)

http://tv.muxlim.com/video/oowDKeUc7Zp/Charity/

(9 minutes)

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 26 July 2009 at 9:43pm

The Principles of Socio-Economic Justice in the Contemporary Fiqh of Zakah

Research Paper by Dr. Monzer Kahf

http://monzer.kahf.com/papers/english/socioeconomic_justice.pdf

 

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 30 July 2009 at 1:25pm

Introduction to The Study of The Economics of Zakah

In this research paper, Dr. Monzer Kahf introduces the jurisprudence aspects of Zakah and its implementation in a number of Muslim countries, and suggestions for areas in the economic of Zakah which need more research

http://monzer.kahf.com/papers/english/introduction_to_the_study_of_the_econ_of_zakah.pdf

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 07 September 2009 at 10:27pm

Ramadan Reminders

Reminder of Day Seventeen:

Sometimes the dignified poor do not ask, though they are in dire need of help.

 

Let us pay attention to those around us and include them in the Ramadan blessings.

 

http://www.readingislam.com/servlet/Satellite?c=Article_C&cid=1251021088181&pagename=Zone-English-Discover_Islam%2FDIELayout

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 22 February 2010 at 12:29am

Zakat – Raising a Fallen Pillar (book review by Ahmad Thomson)

By accurately describing what zakat is, the authors indicate how what has been lost or abandoned by the Muslims during the past two centuries can be brought back to life and restored in a modern context, knowing full well that Allah has never commanded Muslims to do what is not possible, in any age.

Instead of encouraging ‘consumers’ to be aggressive and innovative in today’s global free-for-all debt-for-most market economy, the authors advise those who are still human to hear and obey Allah.

The profundity of meaning conveyed in this book is matched by the clarity of language used to convey it – which is neither academic nor imprecise. In other words, whether you agree with it or not, it makes interesting reading. What is most refreshing about the book is not just the clarity of its analysis and expression but also the fact that the authors emphasise what is possible. There is none of that ‘insurance is haram so I won’t drive a car’ mentality which tends to characterise those who inwardly wish to remain trapped while apparently striving to be free – because they have never tasted what it is like to be free.

The book consists of two distinct sections. The first section, written by Abdalhaqq Bewley is mainly analytical and descriptive. The second section, written by Amal Abdalhakim-Douglas in collaboration with others seeks to provide practical solutions. It is clear that the authors are keenly aware that simply identifying and condemning what is haram without identifying a viable alternative which is halal is of limited value.

In seeking to identify practical solutions, many of which remain to be tested in action, it is also clear that the book leaves room for further reflection and action. It is written in the spirit of a Muslim who sets out overland on the pilgrimage to Makka, not knowing the exact route to be taken or how the journey will unfold – but having no doubt about the intended destination and not lacking the determination to arrive and do what is required.

Thus the second section of the book is open-ended – it indicates a beginning and a clear intention as regards steps that must be taken, but does not claim to be a definitive blueprint or a fully thought-out five-year plan. Its proposals can be used as a stimulus and a springboard to discover and implement what up to now has perhaps been sensed but not as yet articulated, let alone activated. The problem with ignorance is that you are not aware of what it is until you actually discover what it is that you did not know. It is only then that you can do something about it. ...

http://zakatpages.com/2007/04/17/zakat-raising-a-fallen-pillar-book-review-by-ahmad-thomson/

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 08 April 2010 at 12:50am

Zakah: When and to Whom?

Q: If a person has some savings in the bank, how and when should he pay zakah? To whom he should pay it? If he holds his savings for a number of years, is one payment of zakah enough or he should pay it every year?

A: Zakah is payable every year by every Muslim, male or female, provided that the person concerned has more than the threshold of zakah, and he has held that for a year.

This means that there is a threshold of zakah, i.e. nisab, which means a minimum amount. If you have less than that threshold, then you are not required to pay annual zakah. If you are a zakah payer for a number of years, then you encounter adverse circumstances that bring your assets to below the threshold of zakah, then you do not pay zakah for the current year when you have less than the threshold. The threshold is equivalent to the value of 85 grams of gold over and above what you need to maintain yourself and your dependents.

Everyone of us should mark the day when he or she begins to own the threshold of zakah, because this is their zakah date. Every year, on the same day, they should check what they own. If it is over and above the threshold of zakah, they should pay zakah on all they have, over and above what they need for their living expenses. The rate of zakah is in most cases 2.5 percent of the total amount. Certain types of property carry a higher rate, such as agricultural produce that is irrigated by rainwater only. The zakah rate for this type of produce is 10 percent. On your zakah date, you calculate your zakah liability and put it aside. You then pay it to those who qualify as beneficiaries.

Zakah is unlike income tax, which is levied on earnings. Zakah is due on both capital and income. Hence, it is low rate.

Zakah is paid to eight groups of people. They are mentioned in verse 60 of surah 9 ...

http://islamonline.com/news/articles/3/Zakah_When_and_to_Whom_.html




Edited by Al-Cordoby - 08 April 2010 at 12:51am
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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 15 April 2010 at 9:11am

Inner Dimension of Zakat

(Excerpts from Imam Al-Ghazali's Inner Dimensions of Islamic Worship)

Certain inward attitudes and duties are incumbent on those who seek, through the payment of Zakat, that which leads to good in the Hereafter:

1. Knowing Zakat's purpose and significance

To understand the necessity of paying Zakat, how it represents a test of character, and why it has been made one of the fundamentals of Islam, even though it is a financial transaction and not a physical  act of worship.

Three points deserve consideration here:

(a) Testing the degree of love for Allah

To pronounce the two sentences of the Confession of Faith(Shahada) ("There is no God but Allah-Mohammad is God's Messenger") is obligatory as affirmation of the Divine Unity and testimony to the singleness of the One to Whom all worship is due.

Complete fulfillment of this obligation requires that he who affirms the Divine Unity should direct his love to none but the One, the Unique ...

(b) The elimination of miserliness

The Divine decree by which Allah bids His servants to spend their wealth, is also significant  in purging the habit of miserliness, which is a deadly sin ...

(c) Expression of gratitude

The third factor is gratitude for benefits received, for the servant is indebted to Allah for personal and material bounties ...

2. Payment of Zakat at the proper time ...

3. Give In Secret ...

4. Give openly ...

5. Avoid Taunting and Hurting ...

6. Adopt humility ...

7. Give the best and the dearest ...

8. Seek the Worthy and Deserving ...

http://www.soundvision.com/Info/zakat/innerz.asp

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 19 May 2010 at 12:52am

Zakah and its Uses

The primary goal of zakah is to ameliorate the living conditions of the poor and the needy. ...

In Islamic jurisprudence there are different opinions on the criteria of the poor and the needy. According to Hanafi jurisprudence following types of persons are eligible to benefit from zakah:

- Those who have nothing for their subsistence and basic necessities of life.

- Those who own a house, furniture, means of conveyance etc., but can hardly afford their daily needs.

- Those whose wealth is less than nisab (the minimum wealth on which zakah is payable).

 Zakah and its Uses - Finance In Islam

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 08 June 2010 at 11:57pm

The Importance of Zakah

Zakah cannot be given to one you are financially responsible for. I know of cases where a person has given zakah to his own wife. That is simply unacceptable and, in so doing, you do not meet your requirements of paying zakah.

Finally, as a community, the local mosques should set up institutions or committees through which they collect the obligatory zakah and distribute it to those in need. Many times one may have zakah and not know who to give it to, so the money is sent to a distance far away while, in fact, someone close by is deserving and in need of the money.

Every community should establish those means by which they look after each other. They should know who is in need. The local mosque or zakah committee should encourage people to pay their zakah and teach them how to pay it. They should then take that zakah and distribute it in the proper way.

http://www.islamicawakening.com/viewarticle.php?articleID=486

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Rating: 0 of 0 votes Quote Al-Cordoby Replybullet Posted: 11 July 2010 at 4:51pm
Counting Pennies 

To be acquainted with the concept of sadaqah, and developing the ability to give money to others from one's own is an important lesson. In our missionary school we had what was called a 'poor box', and Islamic schools across America have sadaqah boxes in the classroom. At home too, we could have a small sadaqah box where the children are encouraged to contribute.

It is also important that children see an end as regards to this collection.
Choosing, or finding a place to give that money, and accompanying the parent to do this deed is essential, so that a sense of personal contribution and fulfillment takes place.

Sadaqah shows us both ends of the spectrum, that there is always someone who has enough to give to someone who does not have enough, and it inculcates a sense of dispossession of money, taking it out of our owner- ship rights and placing it in Allah's, where it truly belongs...


http://www.islamicity.com/Articles/articles.asp?ref=AJ1007-4218

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