Some FAQs about Zakat and charity

| Friday, August 28, 2009

Compiled by Shafee Ahmed Ko,

What is meant by charity in Islam?

Charity, for which the expression used in the Holy Quran is "spending out of what God has given you", means using your energy, talent, resources, money, possessions, or whatever else, to help and do good to those in need. In Islam charity is very often mentioned alongside prayer because just as the latter is man's relation with God, or man's duty towards God, the former (charity) represents his relation with his fellow-beings, and indeed with all the creation of God. Prayer expresses love for God, submission to Him, and a desire to bring out the Divine qualities that lie hidden in every person. Charity is an expression of sympathy and benevolence towards God's creation, putting into actual practice the lessons you learn in prayer.

Please give some examples of what are acts of charity in Islam.

Innumerable examples can be given because doing any kind of good to anyone, even to yourself to make you more capable of benefiting others, by using what God has given you, is an act of charity. Feeding the hungry, helping the poor, taking care of the destitute such as orphans, lending a hand to the disabled, helping an unemployed person to find a job, etc., are the more obvious examples of charity taught by Islam. But it also teaches that there are other, smaller acts of charity which one has the opportunity to do everyday. Helping someone in any way, showing the way to a stranger, speaking a kind word to cheer someone up, giving useful advice or imparting knowledge to someone, removing from the road something that could cause an accident, even simply refraining from hurting anyone, are all acts of charity in Islam.

Charity is usually thought to be giving money or alms to the begging poor, and is said to degrade them and make them feel inferior. This is not so in Islam, then?

Most certainly not. Firstly, charity in Islam is much broader than giving money to the poor, and can be exercised just as well even where there is no poverty, as shown above. Secondly, giving charity, or the doing of any good to someone, must be done as a duty, not to degrade them or to ask for thanks. The Holy Quran tells us:

"A kind word with forgiveness is better than charity followed by injury.. . . O you, who believe, make not your charity worthless by reproach and injury, like him who spends his wealth to be seen by people. . ." (2:263-264)
Thirdly, charity should be given solely out of love for God, out of the desire to do good to His creation, as the Quran says about the righteous:

"They give food, out of love for Him (Allah), to the poor, the orphan, and the slave, saying: We feed you only for Allah's pleasure - we desire from you neither reward nor thanks." (76:8, 9)

How important is charity?

Being charitable is very strongly urged upon the Muslims, so much so that the Holy Prophet Muhammad has said that on every limb of the body, doing a charitable deed is due every day, whether it is with the hands, feet, or tongue. There is no person at all who cannot do a deed of charity to others. According to the Holy Prophet, if someone has nothing to give, he should work and earn, and give out of that; if he still does not have anything to give, he should help someone in distress; and if he is unable, for some reason, to do even that, he should try to do any good he can and refrain from doing any harm to anyone.

Apart from general charity, Islam has made compulsory a sort of tax on one's possessions, known as Zakaat, to be spent on the welfare of the disadvantaged. This is explained further in no. 83.

To whom can a Muslim give in charity?

Just as acts of charity have the broadest possible significance in Islam, similarly the circle of those towards whom charity is to be exercised is the broadest that can be conceived. Starting with the people around us - our relations, friends, and neighbors - it extends to all Muslims, and to followers of other religions. In fact, a Muslim's charity covers even animals. The Holy Quran emphasizes that one should keep a special look-out for those who may be in need but who do not ask for help (2:273).

What kind of things should be given in charity?

In case of those acts of charity when we give something away, the Holy Quran teaches that we should only give good and useful things, not useless and worthless ones, and they should be the kind of things we like to have ourselves (2:267). Moreover, things given in charity must have been earned or acquired lawfully by the person giving them away.

Please explain what is Zakaat?

Just as Islam has prescribed a set form for prayer, to enable us to keep it up regularly, similarly it has given an outward form for charity and made it compulsory, in order to make it a regular duty. That outward form of charity is known as Zakaat, and consists of giving a specified fraction of one's wealth every year into a fund. This fund is administered by the Muslim community or Muslim government, and is used to help the poor, the disabled, the unemployed, and others in need.

Is Zakaat just like a tax?

In the sense of being collected and spent by the Muslim government Zakaat is like a tax. However, the great difference is that paying Zakaat is a religious duty to be done out of obedience to God and sympathy for people. So giving Zakaat is morally beneficial to the payer because it develops the spirit of self-sacrifice in him and curbs feelings of greed. Notice that the word 'tax' means a burden, but zakaat means something which purifies you.

Why is general charity and Zakaat a basic duty in Islam?

Because it brings out the best and highest qualities in a person, which is really the object of existence according to Islam. God has given to each person various capabilities and resources, such as knowledge, money, strength, some talent or skill, etc. Every individual must use whatever he or she has been given to benefit other people as well as the rest of God's creation, and not for selfish ends. If this principle is neglected, then not only is there there no relief for the distress and the suffering of the needy, but man's increased selfishness makes him his fellow-man's deadly enemy; and society as well as mankind become divided into factions and groups all trying to grab things from one another

Is Zakat one time affair?

[6:141] " ……….. give the due alms (Zakat) on the day of harvest, and do not waste anything. He does not love the wasters."

This is the only verse accessible to make a decision when to offer alms-poor due-(Zakat).Mention is made in the Holy Quran [6:141] of crops and fruits and their harvest and self distribution and also to the privileged poor to share as poor due or Zakat. Crops and harvest are annual, recurrent every three months or so.

It is very clear that Zakat is on every HARVEST DAY be it one time a year or recurring on several, three or four times. To support this dogma, Zakat is prescribed in Holy Quran where ever Salat is ordained. To think that Zakat is one time payment annually is considered not tenable and un-Islamic according to verification of verses of Holy Quran.

Perhaps the present commercial minded Muslims may audit once in a year and pay Income Tax annually and, also advance taxes compulsorily on Government Tax norms. As a Muslim who really fears Allah, it is self auditing, sincerity to God; he has to circulate the funds at any time he profits from his commerce, trade, and industry. He cannot wait till Ramadan to distribute the poor due at the end of the year, stacking or hoarding or rotating ultimately to incur loss also, which is the Huqooque of the deserving poor [70:24]. It really means Zakat is every day and Zakat cannot be mistaken to alms giving to professional beggars. Islam well ordains, for example an industrialist is supposed not to be selfish but he proliferates more industrialists like him/her and see the community one and equal with no question of poor,he is a true Muslim.

Zakat is nowhere near TAX

Dear Anne, there is a major difference between Zakat and Tax. Tax is levied as a percentage on income itself and Zakat other is on savings (or wealth). Taxation is usually a very high percentage and leaves a big scar on ones wealth. Zakat is a thanksgiving on savings, of only 2.5%, which does not dent ones wealth significantly. I have given an example of this on my website under the FAQ section www.zakat.110mb.com (http://zakat.110mb.com/index.php?p=1_7 ) if you need further details.

Also you cannot compare Harvest Day Zakat (which is purely for agricultural produce) with Salary and/or other forms of wealth. The distinction is quite clear. Zakat on agricuture produce is 5-10% on every harvest, irrespective of the duration of the harvest. Salary is wages, so there is no Zakat on Salary. Only on what is left after catering to ones livelihood and family needs.

How is this different from the capitalist taxation system.

Capitalist economy does not care for families or for how one leads his life. It mandates a deduction of tax at source on a monthly/annual basis, as the case may be in each country. The taxes deducted usually range beteen 30%-55% of the individual's income. Whereas Islamic economic system takes a very small portion (2.5% ) of the leftover (accumulated) wealth of an individual which has stayed with him over the year.

Islamic way is highly scientific, practical and effective: Example:
I earn $50,000 per annum and my wife earns (islamically permitted job) another $40,000. We have one child and no other liabillities or responsibilities and we end up saving 25,000 every year. My friend earns $70,000 and his wife another 20,000 (halal job). They have 4 kids and have their parents to take care of . They end up saving only 5,000 every year.

My family pays lesser taxes than my friend's, although our family incomes are similar and his expenses are much higher as he has to take care of his larger family.

In Islam, this differentiation is cleared and he pays less because he saves less and I pay more because I am able to save more.

Moreover, Zakat is a prescribed duty upon a believer to pay the zakaah dues as commanded by Allah Subhanah, and his only intention is to purify himself and win Allah’s Pleasure and Good Will.


Link: http://twocircles.net/2009aug25/some_faqs_about_zakat_and_charity.html

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