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Transcript of [Jpeg]fardhu'ain lesson#11-arkaan-ul-islam(3)-zakah(april2011)
THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE 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))
All Rights Reserved© Zhulkeflee Hj Ismail (2011)
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
EXTRACTED FROM FAARDHU ‘AIN COURSE FOR ADULTS
““A BEGINNERS’ COURSE ON A BEGINNERS’ COURSE ON ISLAM”ISLAM”
Lessons on Lessons on Fardhu ‘Ain in English for AdultsFardhu ‘Ain in English for Adultsconducted by Ustaz Zhulkeflee Hj Ismailconducted by Ustaz Zhulkeflee Hj Ismail
HADITH OF JIBRA-’IL
HADITH OF JIBRA-’IL
LESSON # 11
LESSON # 11
Using textbook & curriculum he has developed especially for Using 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 A IT CAN ALSO BE A REFRESHER COURSE REFRESHER COURSE
FOR MUSLIM FOR MUSLIM PARENTS, PARENTS,
EDUCATORS, IN EDUCATORS, IN CONTEMPORARY CONTEMPORARY
SINGAPORE. SINGAPORE. OPEN TO ALLOPEN TO ALL
2UPDATED APRIL 2011UPDATED APRIL 2011
Every Friday Every Friday night @ 8pm – night @ 8pm – 10pm10pmWisma Indah, Wisma Indah, 450 Changi 450 Changi Road, Road, #02-00 next to #02-00 next to Masjid KassimMasjid Kassim
All Rights Reserved© Zhulkeflee Hj Ismail (2011)
““ARKAAN AL-ISLAM”ARKAAN AL-ISLAM”Pillars of Islam (Submission)Pillars of Islam (Submission)
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST MOST COMPASSIONATE,COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
AZ-ZAKAHAZ-ZAKAH(TAX UPON WEALTH)(TAX UPON WEALTH)
In respecting the dominance of the followers, adherents of the In respecting the dominance of the followers, adherents of the
school of school of FiqhFiqh of of 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 this here in this region, the practices in this
manual / lesson on manual / lesson on FIQHFIQH matters, shall subscribe and be in matters, 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
other other madzaahibmadzaahib and and ikhtilaafikhtilaaf (differences of opinion) amongst (differences of opinion) amongst
Islamic scholars. Islamic scholars.
The dominant schools of Islamic jurisprudence generally accepted The dominant schools of Islamic jurisprudence generally accepted
are the, are the, Ja’afari, Maliki, Hanafi, Shafi’e Ja’afari, Maliki, Hanafi, Shafi’e and and Hanbali.Hanbali.
All Rights Reserved© Zhulkeflee Hj Ismail (2011)
All Rights Reserved © Zhulkeflee Hj Ismail 2011
‘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 2011
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 2011
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 2011
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 2011
FIRST REASONFIRST REASON
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONFIRST REASON
““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 And inspired it (with conscience of) what is wrong for it
and (what is) right for it. and (what is) right for it.
He is indeed successful who purify and causes it to He is indeed successful who purify and causes it to
grow, 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) )
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONFIRST REASON
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONFIRST REASON
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONFIRST REASON
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Islam never totally reject the world nor does it
denies the importance to Muslims acquiring 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 2011
There is a saying:
““Love for the world (affection and attachment to Love for the world (affection and attachment to
material possession) is the head (root) of every material 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 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““Verily We have created Man into toil and struggle. Verily We have created Man into toil and struggle.
Thinks he, that none hath power over him? He may Thinks he, that none hath power over him? He may
say (boastfully): "Wealth have I squandered in say (boastfully): "Wealth have I squandered in
abundance!” Thinks he that none beholds him? Have abundance!” Thinks he that none beholds him? Have
We not made for him a pair of eyes?― And a tongue, We not made for him a pair of eyes?― And a tongue,
and a pair of lips?― And shown him the two and a pair of lips?― And shown him the two
highways? “highways? “
((Qur’an: al-Balad: 90: 7-10Qur’an: al-Balad: 90: 7-10) )
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Thus, Muslims not only needs to be reminded Thus, Muslims not only needs to be reminded
that:that:
[a] [a] possession and wealth are bestowals of Allah, possession and wealth are bestowals of Allah,
only as temporary trust (only as temporary trust (amanahamanah) for our use;) for our use;
[b] [b] it is how you get this and how you spent it that it is how you get this and how you spent it that
you shall be questioned by Allah s.w.t. – not how you shall be questioned by Allah s.w.t. – not how
much you accumulate!much you accumulate!
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Thus, Muslims not only needs to be reminded Thus, Muslims not only needs to be reminded
that:that:
[c] [c] remember how innocent we were, until we began remember how innocent we were, until we began
to develop selfishness, greed, miserly, covetousness to develop selfishness, greed, miserly, covetousness
etc. etc.
Thus, Thus, ZakahZakah is to effectively and as practical is to effectively and as practical
reminder to be inculcated, so as not to allow such reminder to be inculcated, so as not to allow such
corruptions to occur in our Self/Soul.corruptions to occur in our Self/Soul.
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 2011
SECOND REASONSECOND REASON
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.All Rights Reserved © Zhulkeflee Hj Ismail 2011
SECOND REASONSECOND 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 2011
SECOND REASONSECOND 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 2011
SECOND REASONSECOND REASON
All Rights Reserved © Zhulkeflee Hj Ismail 2011
What is the real worth of our wealth? With death, What is the real worth of our wealth? With death,
these wealth looses all value for us, except those these wealth looses all value for us, except those
that has been spent in accordance towards what that has been spent in accordance towards what
Allah commanded us to – and He promises to Allah commanded us to – and He promises to
increase them, not only its amount, but its real increase them, not only its amount, but its real
value for us will be eternally enjoyed beyond our value for us will be eternally enjoyed beyond our
death.death.All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONINGFIRST REASONING
The promise reward is a minimum return of 1 : The promise reward is a minimum return of 1 :
700% (certainly a most generous investment 700% (certainly a most generous investment
returns for our hereafter).returns for our hereafter).
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONINGFIRST REASONING
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONINGFIRST REASONING
“ “ The likeness of those who spend their wealth in The likeness of those who spend their wealth in
Allah's way is as the likeness of a grain which grows Allah's way is as the likeness of a grain which grows
seven ears (cobs e.g. like corn), in every ear a hundred seven ears (cobs e.g. like corn), in every ear a hundred
grains. Allah gives increase manifold to whom He will. grains. Allah gives increase manifold to whom He will.
Allah is All-Embracing, All-Knowing.”Allah is All-Embracing, All-Knowing.”
((Qur’an: Baqarah: 2: 261Qur’an: Baqarah: 2: 261))
All Rights Reserved © Zhulkeflee Hj Ismail 2011
FIRST REASONINGFIRST 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 2011
SECOND REASONINGSECOND 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 2011
SECOND REASONINGSECOND 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 2011
SECOND REASONINGSECOND 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.
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SECOND REASONINGSECOND REASONING
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Agricultural Agricultural produceproduce
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
635 kg.635 kg.PerPer
harvestharvest
5% produce in 5% produce in case of irrigated case of irrigated land.land.
10% produce 10% produce from rain-fed from rain-fed land.land.
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Gold, silver or Gold, silver or ornaments of ornaments of gold and silvergold and silver
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
85 gm 85 gm (gold)(gold)
595 gm595 gm(silver)(silver)
One year
(lunar)
2.5% of the value
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Cash, in hand Cash, in hand or in the bankor in the bank
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
Value of Value of 595 gm595 gm(silver)(silver)
(MUIS)*S$5,226
as @ FEB 2011*Islamic Religious
Council of Singapore
One year
(lunar)
2.5% of the 2.5% of the amount of cash amount of cash in hand or in in hand or in bank bank
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
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-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Value of Value of 595 gm595 gm(silver)(silver)
(MUIS)*S$5,226
as @ FEB 2011*Islamic Religious
Council of Singapore
Cows and Cows 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-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
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-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Produce of the Produce of the mines – all mines – all kinds of kinds 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-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
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-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
In keeping with changing economic system (development), there In keeping with changing economic system (development), there
may be other types of wealth which contemporary Islamic jurists may be other types of wealth which contemporary Islamic jurists
may regard to be ‘zakatable’ by consensus (IJMA’) or in accordance may regard to be ‘zakatable’ by consensus (IJMA’) or in accordance
with acceptable scholarly exertion (IJTIHAD), be it analogous with acceptable scholarly exertion (IJTIHAD), be it analogous
deduction (QIYAS), preference (ISTIHSAN), needs (MASLAHAT ) etc.deduction (QIYAS), preference (ISTIHSAN), needs (MASLAHAT ) etc.
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QardhawiReference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qardhawi
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Wa-Allaahu a’lam(IT IS ALLAH WHO KNOWS ALL)
““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 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
“ “ The alms are only for the poor and the needy, The alms are only for the poor and the needy,
and those who collect them, and those whose and those who collect them, and those whose
hearts are to be reconciled, and to free the hearts are to be reconciled, and to free the
captives and the debtors, and for the cause of captives and the debtors, and for the cause of
Allah, and (for) the wayfarer; a duty imposed by Allah, and (for) the wayfarer; a duty imposed by
Allah. Allah is Knower, Wise.” Allah. Allah is Knower, Wise.”
((Qur’an: Taubah: 9: 60Qur’an: Taubah: 9: 60))
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““The Believers men and women, are (The Believers men and women, are (AWLIYA’AWLIYA’) )
protectors one of another: they enjoin what is just, and protectors one of another: they enjoin what is just, and
forbid what is evil: they observe regular prayers forbid what is evil: they observe regular prayers
((swolahswolah), practice regular charity (), practice regular charity (zakahzakah), and obey ), and obey
Allah and His Messenger. Allah and His Messenger.
On them will Allah pour His mercy: for Allah is Exalted in On them will Allah pour His mercy: for Allah is Exalted in
power, Wise.” power, Wise.”
((Qur’an: Taubah: 9: 71Qur’an: Taubah: 9: 71))
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[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.
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FUQARA’ - FAAQIRFUQARA’ - FAAQIR
[2] These are the “needy; those in need” or (those
slightly better-off than the “faqir”) who may have
possessions and income, yet “whose income is still less
than ⅔ of what he needs to sustain livelihood for
himself and family under his care.”
All Rights Reserved © Zhulkeflee Hj Ismail 2011
MASAAKIN - MISKEENMASAAKIN - MISKEEN
[3] The full description is “[3] The full description is “those who are employed or those who are employed or
working upon it working upon it (collecting and distributing the zakah)”. (collecting and distributing the zakah)”.
This imply necessity for zakat institution be managed This imply necessity for zakat institution be managed
(efficiently) professionally; and to safeguard the honour (efficiently) professionally; and to safeguard the honour
of every Muslims from having to beg.of every Muslims from having to beg.
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‘‘AAMILEEN – ‘AMILAAMILEEN – ‘AMIL
[4] The literal translation of this group is “those whose
hearts are reconciled (i.e. towards accepting Islam)”.
This is to ensure new Muslims’ every need is provided
for, even those who may be rich, they are entitled to
disbursement from the Islamic treasury.
All Rights Reserved © Zhulkeflee Hj Ismail 2011
MU-ALLAF MU-ALLAF
[5] From the word meaning “neck” – it refers to the
ransoming or free Muslims from slavery.
This shows that every Muslim must be freed from all forms
of slavery or from being under oppression. Their freedom
must be accorded for them (if need be) using the zakat funds.
Although chattel slavery no longer exist, yet Islamic scholars
are known to apply ‘qiyas’ (juristic analogy) for what may
constitute modern ‘slavery’.All Rights Reserved © Zhulkeflee Hj Ismail 2011
RI-QAABRI-QAAB
[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.
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GHAARIMEENGHAARIMEEN
[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.
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FEE-SABI-LILLAAHFEE-SABI-LILLAAH
[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.
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IBNUS-SABEELIBNUS-SABEEL
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““Fair in the eyes of men is the love of things they covet: Fair in the eyes of men is the love of things they covet:
women and sons; heaped-up hoards of gold and silver; women and sons; heaped-up hoards of gold and silver;
horses branded (for blood and excellence); and (wealth of) horses branded (for blood and excellence); and (wealth of)
cattle and well-tilled land. Such are the possessions of this cattle and well-tilled land. Such are the possessions of this
world's life; but in nearness to Allah is the best of the world's life; but in nearness to Allah is the best of the
goals (to return to).”goals (to return to).”
((Qur’an: Aali ‘Imran: 3:14Qur’an: Aali ‘Imran: 3:14))
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
"But seek, with the (wealth) which Allah has "But seek, with the (wealth) which Allah has
bestowed on thee, the Home of the Hereafter, nor forget bestowed on thee, the Home of the Hereafter, nor forget
thy portion in this world: but do thou good, as Allah has thy portion in this world: but do thou good, as Allah has
been good to thee, and seek not (occasions for) mischief been good to thee, and seek not (occasions for) mischief
in the land: for Allah loves not those who do mischief." in the land: for Allah loves not those who do mischief."
((Qur’an: Qasas: 28: 77Qur’an: Qasas: 28: 77))
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
“Who is he that will loan to Allah a beautiful loan,
(QARD’-HASANAH) which Allah will double unto his
credit and multiply many times? It is Allah that gives
(you) want or plenty and to Him shall be your return.”
(Qur’an: Baqarah: 2: 245)
All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
Render not vain your almsgiving (swodaqat) by reproach and injury, (Q: Baqarah: 2: 264)
“ Those who spend their wealth in the cause of Allah and
follow not up their gifts with reminders of their generosity
or with injury,― for them their reward is with their Lord;
on them shall be no fear, nor shall they grieve. ”
(Qur’an: Baqarah: 2: 262)All Rights Reserved © Zhulkeflee Hj Ismail 2011
“ “ Kind words and the covering of faults are better Kind words and the covering of faults are 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 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
“ “ O ye who believe! Render not vain your almsgiving O ye who believe! Render not vain your almsgiving
(swodaqat) by reproach and injury, like him who spends his (swodaqat) by reproach and injury, like him who spends his
wealth only to be seen of men and believes not in Allah and 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 the Last Day. His likeness is as the likeness of a rock
whereon is dust of earth; a rainstorm smites it, leaving it whereon is dust of earth; a rainstorm smites it, leaving it
smooth and bare. They have no control of aught of that smooth and bare. They have no control of aught of that
which they have gained. Allah guides not the disbelieving which they have gained. Allah guides not the disbelieving
folk. ” (folk. ” (Qur’an: Baqarah: 2: 264Qur’an: Baqarah: 2: 264))
All Rights Reserved © Zhulkeflee Hj Ismail 2011
“ “ The Satan threatens you with poverty and bids you to The Satan threatens you with poverty and bids you to
conduct unseemly. Allah promises you His forgiveness conduct unseemly. Allah promises you His forgiveness
and bounties and Allah cares for all and He knows all and bounties and Allah cares for all and He knows all
things.”things.”
((Qur’an: Baqarah: 2: 268Qur’an: Baqarah: 2: 268))
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“ “ Whatever of good ye give benefits your own souls and ye Whatever of good ye give benefits your own souls and ye
shall only do so seeking the "Face" of Allah. Whatever shall only do so seeking the "Face" of Allah. Whatever
good ye give, shall be rendered back to you and ye shall good ye give, shall be rendered back to you and ye shall
not be dealt with unjustly. ”not be dealt with unjustly. ”
((Qur’an: Baqarah: 2: 272Qur’an: Baqarah: 2: 272))All Rights Reserved © Zhulkeflee Hj Ismail 2011
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
““And let not those who covetously withheld of the gifts And let not those who covetously withheld of the gifts
which Allah hath given them of His Grace think that it is 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 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 will be tied to their necks like a twisted collar on the Day
of Judgment. To Allah belongs the heritage of the of Judgment. To Allah belongs the heritage of the
heavens and the earth; and Allah is well acquainted heavens and the earth; and Allah is well acquainted
with all that ye do.”with all that ye do.”
((Qur’an: Aali ‘Imran: 3: 180Qur’an: Aali ‘Imran: 3: 180))
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
““Allah hath heard the taunt of those who say: "Truly, Allah hath heard the taunt of those who say: "Truly,
Allah is indigent and we are rich!",― We shall certainly Allah is indigent and we are rich!",― We shall certainly
record their word and (their act) of slaying the Prophets record their word and (their act) of slaying the Prophets
in defiance of right, and We shall say: "Taste ye the in defiance of right, and We shall say: "Taste ye the
penalty of the Scorching Fire!. “penalty of the Scorching Fire!. “
((Qur’an: Aali ‘Imran: 3: 181Qur’an: Aali ‘Imran: 3: 181))
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
“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)
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““On the Day when heat will be produced out of that On the Day when heat will be produced out of that
(wealth) in the fire of Hell, and with it will be branded (wealth) in the fire of Hell, and with it will be branded
their foreheads, their flanks and their backs― "This is the their foreheads, their flanks and their backs― "This is the
(treasure) which ye buried for yourselves: taste ye, then (treasure) which ye buried for yourselves: taste ye, then
the (treasures) ye buried!" the (treasures) ye buried!"
((Qur’an: Taubah: 9: 35Qur’an: Taubah: 9: 35 ) )
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All Rights Reserved © Zhulkeflee Hj Ismail 2011
““And spend something (in charity) out of the substance And spend something (in charity) out of the substance
which We have bestowed on you, before death should which We have bestowed on you, before death should
come to any of you and he should say "O my Lord! why come to any of you and he should say "O my Lord! why
didst thou not give me respite for a little while? I should didst thou not give me respite for a little while? I should
then have given (largely) in charity, and I should have then have given (largely) in charity, and I should have
been one of the doers of good." But to no soul will Allah been one of the doers of good." But to no soul will Allah
grant respite when the time appointed (for it) has come: grant respite when the time appointed (for it) has come:
and Allah is well-acquainted with (all) that ye do.”and Allah is well-acquainted with (all) that ye do.”
((Qur’an: Munafiun: 63: 10-11Qur’an: Munafiun: 63: 10-11 ) )
“ “Protect your wealth by paying the Protect your wealth by paying the ZakahZakah, and heal your , and heal your
sick by giving charity (sick by giving charity (sadaqahsadaqah)”)”
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)
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“ “There is no wealth which is mixed with (portions in There is no wealth which is mixed with (portions in
which) which) zakatzakat (is not paid) except that it will be cause of (is not paid) except that it will be cause of
destruction.)destruction.)
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)
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“ “If you fulfil (pay out) the If you fulfil (pay out) the zakat zakat upon your wealth with a upon your wealth with a
good heart (i.e. without feeling regret or sense of loss, or good heart (i.e. without feeling regret or sense of loss, or
being insincere, hypocritical etc.), then in reality you have being insincere, hypocritical etc.), then in reality you have
been saved from the evil (or harm which your wealth may been saved from the evil (or harm which your wealth may
bring upon you).”bring upon you).”
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)All Rights Reserved © Zhulkeflee Hj Ismail 2011
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““O Allah! Make sufficient for us our provision with O Allah! Make sufficient for us our provision with
what is lawful (halal) and not from what is forbidden what is lawful (halal) and not from what is forbidden
(haram). Enrich us with the bestowals from You (haram). Enrich us with the bestowals from You
alone, not from other than You.”alone, not from other than You.”
ALLA-HUM-MAK - FI-NAA BI-HA-LAA-LI-KA- ‘AN-HA-RAA-MIK, 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- WAAKWA-ARGH-NI-NAA – BI – FADw -LI-KA – ‘AM-MAN –SI- WAAK
All Rights Reserved © Zhulkeflee Hj Ismail 2011
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
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““‘‘O AllO Allaah, I seek refuge in You from miserliness and h, I seek refuge in You from miserliness and
cowardice, I seek refuge in You lest I be returned to the cowardice, I seek refuge in You lest I be returned to the
worst of lives “i.e. old age, being weak, destitute, worst of lives “i.e. old age, being weak, destitute,
incapable and in a state of fear, etc.”, and I seek incapable and in a state of fear, etc.”, and I seek
refuge in You from the trials and tribulations of this refuge in You from the trials and tribulations of this
worldly life and the punishment of the grave.”worldly life and the punishment of the grave.”All Rights Reserved © Zhulkeflee Hj Ismail 2011
O Allah! We ask that You be pleased with us and O Allah! We ask that You be pleased with us and
(grant us) the Paradise, and we seek refuge (in (grant us) the Paradise, and we seek refuge (in
You) from Your wrath and the Hell-fire.”You) from Your wrath and the Hell-fire.”
ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- DwAA -KA WAL JAN-NATA, 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 WA-NA-’UU- DzU- BI-KA MIN SA-KHA-TI-KA WAN-NAAR
All Rights Reserved © Zhulkeflee Hj Ismail 2011
““(May) Allah grant His Reward upon Muhammad, (May) Allah grant His Reward upon Muhammad,
salutations of Allah and Peace be upon him and his salutations of Allah and Peace be upon him and his
family, in accordance with what he deserves (in family, in accordance with what he deserves (in
Allah’s knowledge & estimation).”Allah’s knowledge & estimation).”
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JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘‘ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU
” ”Glory to thy Lord the Lord, of Honour and Glory to thy Lord the Lord, of Honour and
Power! (He is free) from what they ascribe (to Power! (He is free) from what they ascribe (to
Him)! And Peace on the Messengers! And Him)! And Peace on the Messengers! And
praise to Allah, the Lord and Cherisher of the praise to Allah, the Lord and Cherisher of the
Worlds.” Worlds.”
((Qur’an : Saffat: 37 : 180-182Qur’an : Saffat: 37 : 180-182))
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