Zakat

Our khutba today is about a financial act of worship which protects the soul from its greed and purifies it from stinginess. It is about Zakat.

The imam speaks of the following hadith in which the prophet SAWS said:

“Islam is built on five pillars; the Shahada that there is no god except Allah and Muhammad is the Messenger of Allah, establishment of Salat, payment of Zakat, Hajj and the fasting of Ramadan.”

It is very important that every believer in Allah should not underestimate and neglect this significant pillar of the religion and that he/she should happily pays his/her Zakat. One should remember that it is Allah Who has blessed one with the money he has, and He only obliged him to pay a small fraction of it (2.5%) as Zakat. Compare that to the tax we pay on income of around 30%. One should also remember that Allah SWT gives great reward for the payment of Zakat on the Day of Judgement.

Dear brothers there are two conditions for Zakat to be an obligation.

First condition that needs to be met is to own the Nisab (i.e. minimum amount of money or other type of wealth on which Zakat is payable.) This is £361 today based on the value of the defined 595 grams of silver.

The second condition that needs to be met is one must have the money in one’s possession for one lunar (Hijri) year.

The types of wealth on which Zakat is payable are:

  1. Gold and silver and banknotes (paper money) which is used nowadays instead of gold and silver as a measure of the value for goods and services.
  2. Goods stocked for trade. This is applicable to business owners.
  3. Grains fruits, cattle and minerals.

This khutba concludes with 3 points relating to Zakat for us all to ponder and apply practically.

Firstly, the easiest way to calculate Zakat is this case is to determine a day in the year (e.g. in Ramadan or beginning of the Hijri year) when one pays one’s Zakat. When this day 3 comes, one should add together all the money that one has. This includes cash in hand, money in bank(s) and the value of good for trade (if one has) etc. One should deduct debts which are due for payment – and out of the remaining, one should pay 2.5% .

The second point is about the recipient of the Zakat. It is about whether it is permissible or not to give Zakat to brothers and sisters if they are poor. The answer is yes, you can give your Zakat to your brothers and sisters if they are entitled for Zakat, However, you cannot give your Zakat to your parents or children.

Finally, one of the types of wealth on which Zakat is payable is goods which are stocked for trade. The Nisab is equal to that of paper money. At the end of year, the trader makes an evaluation of all the goods he has in stock. What is considered here is the sale value of the goods – not the purchase value. The amount which should be paid as Zakat is 2.5% of the total value of the goods. It is very important for shop owners to pay their Zakat. They must not forget or neglect it.

Dear brothers and sisters, zakat is a compulsory charity as instructed by the giver of our sustenance. It would be non-sensical to ignore this duty that is placed upon us. And by using this month as the financial end of year, we can fulfil the duty placed upon us as well as earn the extra reward of performing this great deed in the month of Ramadan.

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Zakat – The obligatory charity

Our khutba today is about a financial act of worship which protects the soul from its greed and purifies it from stinginess. It is about Zakat.

The imam speaks of the following hadith in which the prophet SAWS said:

“Islam is built on five pillars; the Shahada that there is no god except Allah and Muhammad is the Messenger of Allah, establishment of Salat, payment of Zakat, Hajj and the fasting of Ramadan.”

It is very important that every believer in Allah should not underestimate and neglect this significant pillar of the religion and that he/she should happily pays his/her Zakat. One should remember that it is Allah Who has blessed one with the money he has, and He only obliged him to pay a small fraction of it (2.5%) as Zakat. Compare that to the tax we pay on income of around 30%. One should also remember that Allah SWT gives great reward for the payment of Zakat on the Day of Judgement.

In addition to all of that in the payment of Zakat there is the purification of the soul from its greed and a cause for the growth and increase of the wealth.

The imam referenced ayat 105 of Sura Tauba which says:

Take sadaqat (this commanded sadaqat means – Zakat) from their wealth, so that they may thereby be cleansed and purified, and pray for them; for your prayer will give them comfort. Allah hears all and knows all.

Dear brothers and sisters, Allah SWT  made Zakat an obligation and one of the five pillars of Islam. There are two conditions for Zakat to be an obligation.

First condition that needs to be met is to own the Nisab (i.e. minimum amount of money or other type of wealth on which Zakat is payable.) Nisab differs according to the type of wealth.

The second condition that needs to be met is one must have the money in one’s possession for one lunar (Hijri) year.

The types of wealth on which Zakat is payable are:

  1. Gold and silver and banknotes (paper money) which is used nowadays instead of gold and silver as a measure of the value for goods and services.
  2. Goods stocked for trade. This is applicable to business owners.
  3. Grains fruits, cattle and minerals.

This khutba concludes with the common misconceptions about zakat that are answered for us all to benefit from paying this in the blessed month of Ramadan.

 

First point to clarify is the sterling value of the Nisab. Nisab of money is equivalent to the value (price) of 595 grams of silver. That is equal to roughly £255 today. Whoever has this amount or more saved for a (lunar) year he has to pay 2.5% of the total.

The second point to clarify is what should one do if the amount of money one has increases and decreases continuously during the year – such as if one has a monthly income and he also spends from this money throughout the year. The easiest way to calculate Zakat is this case is to determine a day in the year (e.g. in Ramadan or beginning of the Hijri year) when one pays one’s Zakat. When this day 3 comes, one should add together all the money that one has. This includes cash in hand, money in bank(s) and the value of good for trade (if one has) etc. One should deduct debts which are due for payment – and out of the remaining, one should pay 2.5% .

The third point is about the recipient of the Zakat. It is about whether it is permissible or not to give Zakat to brothers and sisters if they are poor. The answer is yes, you can give your Zakat to your brothers and sisters if they are entitled for Zakat, However, you cannot give your Zakat to your parents or children.

The imam referenced ayat 60 of Sura Tauba which is translated to say:

In fact the sadaqat (Zakah) collection is for the poor, the helpless, those employed to administer the funds, those whose hearts need to be won over to the truth, ransoming the captives, helping the destitute, in the Way of Allah and for the wayfarer. That is a duty enjoined by Allah; and Allah is All-Knowledgeable, Wise.

Finally, one of the types of wealth on which Zakat is payable is goods which are stocked for trade. The Nisab is equal to that of paper money. At the end of year, the trader makes an evaluation of all the goods he has in stock. What is considered here is the sale value of the goods – not the purchase value. The amount which should be paid as Zakat is 2.5% of the total value of the goods. It is very important for shop owners to pay their Zakat. They must not forget or neglect it.

The imam referenced ayats 34 and 35 of Sura Tauba which is translated to say:

To those who hoard gold and silver and do not spend it in the way of Allah, proclaim a painful punishment.

The Day will surely come when their treasure will be heated up in the fire of hell, and their foreheads, sides and backs branded with it. They will be told: “This is the treasure which you hoarded. Now taste what you were hoarding!”

Dear brothers and sisters, zakat is a compulsory charity as instructed by the giver of our sustenance. It would be non-sensical to ignore this duty that is placed upon us. And by using this month as the financial end of year, we can fulfil the duty placed upon us as well as earn the extra reward of performing this great deed in the month of Ramadan.

May Allah SWT bless us with the means to pay Zakat. May Allah SWT reward us for paying Zakat and may Allah SWT reward us in our efforts to purify our wealth.

Ameen walhamdulilahirabilalameen

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Charity of Eid-ul-fitr

Allah SWT says in the Glorious Quran:

 

The month of Ramadhan [is that] in which was revealed the Qur’an, a guidance for the people and clear proofs of guidance and criterion.

 

So whoever sights [the new moon of] the month, let him fast it; and whoever is ill or on a journey – then an equal number of other days.

 

Allah intends for you ease and does not intend for you hardship and [wants] for you to complete the period and to glorify Allah for that [to] which He has guided you; and perhaps you will be grateful.

 

Dear brothers and sisters, we are reaching the end of this amazing month of blessing and reward insh’Allah and with it comes the celebration of Eid-ul-Fitr.

 

And prior to that is a charity that Muslims are obliged to give and that is Zakah-al-Fitr also known as Fitrana amongst the Asians amongst us or Sadaqa al-Fitr.

 

The word Fitr comes from the word Iftar which we know is breaking of the fast and thus this name is given to a charity which is distributed at the end of the fasts of Ramadan.

 

So what is the purpose of this charity and why is is compulsory or wajib on each Muslim, male or female, young or old?

 

Well, the primary practical purpose of this is to provide those who fasted with a means of making up for their errors during the month of fasting. After all, this month is a challenge and none of us are perfect. Allah SWT therefore provides us with an ability to perfect ourselves over the course of the month by the act at the end of the month. SubhanAllah!

 

However, there is even a more significant practical purpose and in this we see the bond that this ummah is blessed with. By paying this charity, we are providing a means for the poor to celebrate the festival of Eid al-Fitr.

 

Throughout the year, we give khutbas on how as Muslims we shouldn’t celebrate Easter, Christmas and other non-Muslim festivals. Allah SWT has only made permissible for us to celebrate Eid and therefore with this charity nobody is left out of this festival.

 

This is mentioned in the following Hadith in which Ibn Abbas reported:

 

The Prophet SAWS made Zakah al-Fitr compulsory so that those who fasted may be purified of their idle deeds and shameful talk (committed during Ramadan) and so that the poor may be fed.

 

Whoever gives it before the Salah will have it accepted as Zakah, while he who gives it after Salah has given Sadaqah.

 

Dear brothers and sisters, this brings us onto the final point on this important topic and that is the conditions on giving this particular charity.

 

We already know that it is obligatory. But how much do we give and when is it meant to be given?

 

Well, in answer to the first point. We go back to the time of the Prophet SAWS then it was calculated as one Sa’ of dried dates or barley. However, this isn’t literal and so in today’s age we have Zakat al-Fitr calculated for us by the local masjid.

 

Ours is £x.xx and we are collecting for it at the back of the masjid should you wish to pay.

 

Secondly, and more importantly, we want to be sure that we don’t miss the deadline for paying it. If one misses the time period without good reason, then he has sinned and cannot make it up.

 

So when to pay? This charity becomes obligatory from the sunset on the last day of the fasting until the beginning of Eid prayers. Anything paid after the prayer is considered a charity and not specifically this obligatory charity.

 

However, it can be paid prior to this time also as has been reported by many companions of the Prophet SAWS and so the collection is there at the back for those who dont want to miss the deadline.

 

Dear brothers and sisters, Alhamdullilah we were given the opportunity to taste Ramadan again this year. Let’s sign off in the best possible way and insh’Allah use it as a springboard for the year ahead.

 

May Allah SWT enable us to pay Zakat-ul-Fitr, may Allah SWT accept our Zakat-ul-Fitr, and May Allah SWT perfect our Ramadan with Zakat-ul-Fitr.

 

Ameen walhamdulilahirabilalameen

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Charity in Islam

The religion of Islam is a religion of mercy. It is the religion of helping others for the sake of Allah SWT. It is about helping the poor and helping the needy.

Giving charity is one of the pillars of Islam i.e. Zakat and Allah SWT has mentioned charity in the Holy Quran through a metaphor.

In Sura Baqarah, ayat 261, Allah SWT says:

The similitude of those who spend their wealth in the way of ALLAH is like the similitude of a grain of corn which grows seven ears, in each ear a hundred grains. And ALLAH multiplies it further for whomsoever HE pleases and ALLAH is Bountiful, All-Knowing.

My brothers, if one was to analyse the above ayat, it is evident that Allah SWT is describing the way in which the reward for giving charity is multiplied many times over. In fact this ayat is telling us that the reward for whatever is given in charity is multiplied 700 times by Allah SWT.

This, my brothers, is the extreme bounty which Allah SWT displays towards his servants.

On top of this, we also have several hadiths relating to charity. In a Sahih hadith, the prophet SAWS is narrated to have said:

The believer’s shade on the Day of Resurrection will be his Charity.

Another Sahih hadith talks about benefits in this life when the Prophet SAWS is narrated to have said:

The charity puts out the bad deed like the water puts out the fire.

There are several different categories of charity in Islam, the two main ones being Zakat (obligatory charity) and Sadaqa (voluntary charity).

Zakat is a specific, standardized charity that must be given to the poor and those in need. The general guide to for the amount is 2.5% of capital assets, i.e. money.

Sadaqa, on the other hand, can be given to anyone, and in many different forms, including: a smile to another, advice to a friend, helping someone out with a task or chore.

And probably, the best of all, is the charity that we can invest in that will work for us after we have departed this world and that is Sadaqa Jariya.

Examples of this can range from paying for the refurbishment or building of a masjid to planting a tree that wildlife can feed off or even teaching others about Islam.

My brothers, since Ramadan is here and our good deeds are multiplied anyway then why not take the opportunity to step up charitable acts to gain the maximum rewards from the deeds and from this holy month?

Charity serves as a way to bring justice, balance and kindness to every society and community. It should be the prayer of every single Muslim that their community fulfils their charitable duty correctly and does their part to eliminate poverty from the neighbourhoods.

May Allah SWT make this month full of mercy for us all. May Allah SWT enable us to become more charitable. And may Allah SWT bless us with the reward of charitable acts as mentioned in the Quran and Sunnah of the Prophet SAWS.

 

Ameen wal hamdullilahi rabilalameen.

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