Matn Abu Shuja #22

Adnan Rajeh


Channel: Adnan Rajeh


File Size: 55.03MB

Episode Notes

2018 1 18 LMM at 8pm Chapter of Zakat

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So where we left off last time, we finished talking about Zika and livestock. So I'm going to do a breakdown inshallah for probably talked about last time

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so the first thing we talked about what was the first

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category of Zika that we talked about?

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So the first category that we talked about was livestock right?

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So livestock

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so we have cattle, camels, sheep,

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and goats. Correct. Now, can someone remind me quickly, what the what the breakdown for them was? Leave camels alone?

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Camels will just say

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whatever, like there's not that one sequence. So what is the for cat for cat for a cuddle? What is it? What's the oh one this is what I was

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feeling right. So it started out to be more than 30.

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Right as to be more than 30.

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In 30, we give a to b.

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And 40, we get on with sin,

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a sin to me as a one year old and who seems to be two to three year old right?

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Camels was only Cybil camels.

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So only SABIC, camels actually bigger than five. And then it's complex. From there.

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It's quite complex. Camels, you have to, you have to sit down and do a long study in terms of how how it's going to be the first up to 24, who do you have to give away

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is going to be in the form of sheep being off camel, but you give us a cotton form of sheep, because it's cheaper than actually that you give in the form of camels themselves, actually give a camel away or two, depending on the age group. And it's a bit complex for sheep plus the onus on him

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has he more than 40

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more or equal to 40.

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If he

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right, and this you're gonna do a shot

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in the breakdown after that, just you end up in every 400 forum. So this leads up to

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within 400, you get four and 500 you get five, five, etc. So that's the breakdown for for livestock. Correct. All right, that's what we studied last time. So today, we're going to tell you something different. We're going to do

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new money.

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Guys, one thing, not break down doesn't apply to soccer at all.

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Now, if you guys remember last time when I said when he talks about livestock, I said that livestock in order for us to give this type of xicom we have to deal with it as if it's livestock, what are the what are the conditions for it being life diverse treating it as livestock and not as trade goods, what were the conditions you remember from last time what the conditions were

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the reason not so, there are universal conditions for Zika in general, you have to be Muslim, you have to have you have to own full ownership of the livestock of the money, whatever it is that you have, you have to have a minimum amount of it and then you have and it has to a year has to pass by you have to be free you slaves don't have to pay Zika. So, these are universal conditions, but for lifestyle for us to treat camels and cattle as livestock and not as a trade goods, there are certain conditions, because if you have camels and you and you have them with the intention of selling them, not the intention of

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so far as the teeth in my life, treat them as livestock, they have to be with the intention of reproduction.

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what was the third one that we talked about?

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Slaughter very good

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is why I had this livestock that I this is how I do look out for them. However, if this livestock has the intention

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I'm going to sell them, then I treat it

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treat like trade goods.

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Basically like money, I'm gonna treat them like money now we're not gonna treat them like,

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like livestock is a whole different breakdown. And I'll show you once we do money in the shoulder in a second, right?

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If they're working animals

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What do you do then?

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Working animals Nausicaa.

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Right, that's the working animals. Now what is an extra condition regarding livestock? Besides the general the cat condition we talked about as a condition to be Muslim. Now to be free, you have to have full ownership a year has to go by for most of them as besides agriculture, and it has to have a minimum amount. What is an extra grazing? Yes, natural grazing, right natural grazing so as to be naturally grazed.

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Who has an extra condition or specific condition for livestock?

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Which is natural grazing.

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If you pay for their grazing, if you pay for what they eat, then you don't have to pay zakat anymore. If you pay for more than 50% of what they eat, then you don't pay them anymore. But if you tell me what if I pay for what they eat, and I have them with intention of selling, you treat them as trade goods and trade goods and money. There's no There's no condition of grazing grazing only applies if you have this livestock with the intention of reproduction slaughter or milk that that condition only applies if this is why you have the livestock and then you look at this breakdown and you look at this breakdown so we studied last time in terms of in livestock in Zika now we're

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talking about money so in the in the text where we are when you slob with the hubby because we're talking about gold and silver when you saw the hubby and Sharon me fallen

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where he will go to grocery Well one is for me file where females add him. So when you saw the minimum amount of gold, I shall want mythical or assured dinar the word denoted misquote are used interchangeably here.

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Do you know

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or as seen with

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Wi Fi,

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Wi Fi. And you split and you give xicom? A quarter of a 10th. So it's a quarter of a 10th.

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So a quarter times a 10th?

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Is one on 40?

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Not when I'm 14 When I'm 40, which equals 2.5%. All right, so what what over 40 is 2.5%. So you give 2.5%? Well, we'll get through with God. So if you have an extreme if you give

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one half of them, it's fun.

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Because that's one on 40 from 20 or 2.5% of 20. Right? When females behavior therapy, and as it increases, it increases. So if you have 20, dinar 2.5% is half if you have 30, you know, then you times that by one over four, if you have 40, you know what it becomes it becomes one on one deny, and so on and so forth, meaning it turns into a mathematical equation, you just do the math, there's nothing else. All right.

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Hold on, we'll come to that in a second. Give me a minute, because that's, that's gonna be an important question

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All right, that's the minimum amount of gold now when you saw it, and the minimum amount of silver

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is 200 Dirham

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Of course, I'm gonna break this all down into something that is more feasible. First, let me explain what's written in the text and I'll explain to you so 200

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with Russia and we also pay also paid a fourth quarter of the of a 10th which is one on 40 which is 2.5%. We will come to Delta him

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which adds up to

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five Dinham

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where females may be an asset increases

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Of course, the mathematical, the math will lead for it to increase. What I tell Phil Hill holy yoga he's occur, and there's no obligation in jewelry that is used for Xena, for for adornments. I mean, there's no obligation to pay Zakah for adornments for gold and silver that the woman would have to wear. And if you even have some gold or some silver, if you have gold, you're not allowed to wear gold as a man. Right? You're not allowed to. So if you do have gold that you wear, you have to face it, because it's really it's not. This really is not mobile. Now, of course, someone who a man who's you know, who has enough gold to pay zakat on wearing it usually doesn't really care about the cut

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to begin with. But in case he does, then you have to pay for that now. And of course, I'll go into more detail with that in a second. Now, what is today? What is shooting mascara? What is a shame? It's kind of a gold, it adds up to but this is an important figure 85 grams

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85 grams of gold? What about? What about filler? filler, the different numbers here, he's using something a bit higher than what I'm used to. So I'm gonna use the number that I know which is 595. Of course, this number is not going to be important to know in a second, I'll explain why.

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What is 85 grams that add up to

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in terms of money today?

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What is it what how much is it worth today right now?

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Canadian dollars

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this adds up to maybe,

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I don't know $600.

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But I'm not sure something like that. So important.

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So 45, or over $4,500 is what

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is what you saw the hobbyist now

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there's something important they got to talk about in a minute.

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When we talk about money, there's a difference between what money is and what currency is. And this is something that we have to establish and distinguish in terms of understanding, understanding how we're going to do is occur.

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When we talk about Zika, we're talking, this is talking about money. Money is its currency that will hold its value for a very, very long time. Gold has always been valuable to the human race and always has been is today, and probably will will be forever. However, cash, this is currency, this currency doesn't hold its its value for a long time. That's why we always have inflation. That's why if you took from me, if I lent you $50.50 years ago, and then you came back today and say, here's 50 bucks, I'm not gonna be very happy with that. Because that's not fair because you took from me currency that had a certain value based on how much gold there was in the bank at the time to backup

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that currency. And today, you're bringing the $50 it has a very smaller amount of gold to back it up, if any at all.

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Today, so it's not it's not it's not fair. So when we talk about we don't talk about money, we don't say okay, $4,500 is the amount of money you need to have in the bank. In order for you to pay zakat. No, you have to look at how much 85 grams of gold is today. And that is how much that's how you know, if you have enough to face occur or not. So every time you're gonna face a cat, you have to look at 85 grams of gold. This is this is the amount you have to see how much how much that cost? And do you have that amount of money sitting in your bank account for a year or not? Remember, we're talking about money sitting in your bank account for a year. So let's say you have a bank account

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that has $303,000 right now.

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Next year, there's still $3,000. You don't pay anything because that's not based on based on that money. Then today, tomorrow morning, you wake up and you have $4,500 in your hyssop. Right, the moment you have $4,500 or more

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so you see is that your SOP because that's what I'm telling you, I'm telling you right now that that this is the SOP $4,500 And more than that, that's nice. That's the minimum amount. So you have that now on your bank account. So you're marked down that day. That is day number one.

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Look at the lunar calendar is the first of July that Luna 1439.

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exactly on 1440.

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And the first of July that hula, you take a look at your bank account again.

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And you see how much money you have.

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If you still have more than $4,500

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then you do the math up if you have less than $4,500 so you don't pay anything at all. And you're good then you're good to go. But let's say you have Yeah, Michelle, that you're working and you're making money and now

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I'm $20,000 in your bank account.

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Or 20 $525,000 Now, mashallah, you made the money. You're making the money Michela you're doing

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Well, you have $25,000 in your bank account, but you're gonna tell me, but I only got Yanni 10,000. Last week in my bank account doesn't matter, doesn't matter when you got it, you were blessed by Allah Subhanallah with money, be very happy, don't be cheap. And those are looking for ways out of it, you got more than nisab. A year later, you look at your bank account, you have $25,000, you do the math, you do the math, you times it by 2.5%.

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Basically, you divide it by 40. That's what you divide that number by 40, I have no idea what that is. divided by 40. So I'm gonna do the math and give me the number.

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And then that's how much you have to pay. Now,

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this day is the day you paid Zika it marks the day that you start counting again. Now you'll look at after he pays, you look at the number that is left. Is it more than the nisab? Is it more than $4,500? Is it more? Is it worth more than 85 grams of gold that I get, of course, it is still worth that, then you start counting again. And the year after 1441 on the first of July DeLuna. Look at your bank bank account again. And if it's over 4500, you pay it. And that is how you go by doing your mind is the simplest way to do it. There are many other more complicated ways that I don't understand the point of their complicity. There's really no point this company, their complexity is

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not is not justified in my in my book, I don't see why. You just look at your bank account. You see Allah subhanaw taala gave you capital, you have money now, this is not we're not taxing you. This is not your income. I didn't ask how much money you're making. I don't care about how much money you're making? Nor does nor does it care about it, meaning that God is not asking you how much money you're making. See, how much money do you have? How much golden silver do you have right now? Right back? We look at currency because it's backed up by gold and silver now, in the future? This will be harder to do if bitcoin actually makes it which I don't think it will. But if it actually does,

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it'll become more difficult because not backed up by not backed up by gold and silver. What will we do? We'll just see how much how much is at five grams of gold worth? How much how much Bitcoin do you have to spend to get any five grams of gold, and that will be the new sub, and then you'll just count from there, there'll be no really no big difference. But what will become more difficult is the fluctuations of the value of the currency if currency offered to fluctuate extremely because it's not backed up by gold and silver, which is what causes a lot of the need to financial disasters in modern previously and today modern history only has one Bitcoin and one bitcoin is worth 25 grand

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and this only has as property sure

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that to make this account so you have to break it down me and that's the that's the point of crazy crazy has to be divisible. It's not currency, if you kind of divided like in the day. Yeah. And if I had like a kilo, I grow potatoes. Right? And I and you have a donkey? I want a donkey and you want potatoes? Why don't want the donkey? Want the potatoes? Here? Give me potatoes, and I'm actually what are you gonna get me for it? That says I'm not gonna say get this cow. I don't want the whole cow. I want this like part of the cow. They're like, well, I can't divide the cow and I'm going to chop off its leg and give it to you. So you can go and

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eat it at home. So what do you do? So cows and potatoes aren't currency? They don't work? Because you can't divide them is not the same? That's why Bitcoin if it's going to actually make it as a currency, it has to be divisible. I mean, you got to divide it into smaller amounts so that we can we can sell them by and and give change from it. If you can't get changed from something is not we're not we're not playing Monopoly. Yeah, you have to give, you have to be able to get back changed for the exact amount of what you bought or what you sold. So the problem with Yanni with Bitcoin and different currencies is that is it going to be a currency has to have all these

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attributes and characteristics of a true currency which one of them is being divisible?

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So I don't know if he said if it's one Bitcoin, what do I do? It's and you should be able to divide it if you can divide it and that's a problem. But if you can, and we should we should be good and shall

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reaching and let's say that tomorrow,

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but the next month, he will be no no, no, doesn't matter.

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Doesn't matter. The day you reach this job to put the day down. That's it. Now you count a year. Now you count the whole year. What happens if you could you could go minus 4500 in your bank account, you could be you could owe the government $4,500 Doesn't make a difference. You're gonna count to your right.

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Then you saw the existed on this day, then you count to your year, the year has to go up to a year around. Now a year later, you may look at your bank account, you don't have it anymore. Obviously we were things aren't going and you're basica you'll be like I don't have it next year. Right. But if you do have it next year, then the new pays that go on it. So the ups and downs because there are of course opinion that's why I'm saying there's more complex ways, right? They say what happens if you if you go bankrupt or in the middle of it. See there's very little evidence to support whether we

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We we start counting again and again and again. That's not how that's not how it's done. You have capital, you stare, you count for a year, a year later, we'll take a look at it again. We don't take a look at it within that year, not next week, not next month, not six months in, we take a look at it. It's like It's like tax. It's like the tax return. Like in terms of of how we think about it, we take a look. Okay, I'll see you next year. No, come in the next week yelling Oh, I lost all my money. I don't care. I'll come back and see you next year. If you have 4500, then you'll pay is a column that was actually a small was it? What is what is it? What is 2.5%? That for you? 100?

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Someone have a so what is it? What is the amount?

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Out of the 25?

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For about 4500? What is under 4500 times 4500? By or divided by 40? divided by 40? What do we get $100. So 110 bucks, that's what you ended up being. So the guy doesn't come in and take away your it's only 2.5% is 40 shares, you're taking one share. So we don't start we don't start repeating the count. Every time you lose your you lose your money, you

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at least when it gets back to four or five, you start to help you once once once it hits it once it hit finish. That's it now you start counting, this is the day that you will continue to count for the rest of your life.

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Some sometimes?

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So can you time it?

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I'm sure. So you can make your the beginning of your year. Let's say the beginning of you can put whatever you could put any any date you want here.

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This is usually the date that we use is the day that you met nisab, you reach nisab. Within what you own, let's say that you you raised yourself way before but you never cared about this thing, or we didn't think about your work top probably didn't know, that's fine. Whenever you find out that is Marx today that you should, you should start counting, let's say you didn't do that, then you have to pay a bit more, you have to pay an extra year so that you can start from Ramadan. So pay for it now and then start counting from a line that way and that way you end up. So you have to pay a bit more if you want to choose the day that you want to start counting your Wilson's you have to pay an

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extra year if you want to choose the day. And where else you just choose the day, which is chosen for you the day that you had more than $4,500 in your bank account. Now how many people here have $45 $4,500 of the makeup more than that? See no hands going up. So you guys are good.

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Like, my audience is mostly young people they don't have what I don't have doesn't make a difference. But once you do, you mark that day, you start counting a year later, you have to look back at your bank account. And if you have more or less you give us a car based on it. And you do that every year to the day you pass away. Yeah. Because again, you're giving you're giving away from what Allah subhanaw taala is blessing you with because you have to remember so what money is at the end of the day? Yes, Muhammad. You said that 2.5% is from the golden silver or the wealthy? What is that 4500 is from an asset generating it or it's worth. So what is the final category or the last

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category of zikr that we talked about? We didn't go into it yet.

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The last category is called trade goods. trade goods are treated exactly like money. They're treated like with the currency that they were bought with. And all trade goods are bought with either gold or silver. Now the thing is, I just talked about this one. Well, silver is $600 than the slob. So how do we what do we do with this?

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What do we do this?

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Has nothing to do with this. So I'll tell you why this is back in the day. It was a long time ago

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when dinner

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one golden coin equaled 20 silver coin. Back in the day back when when Zika was first followed.

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Not one dinar was so 20 Mezcal was 200.

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Right? So that's why the minimum amount is 20 golden coins. And the minimum amount of gold is 2200 Dirham. Right. What happened back then is that these two, there was a difference. Gold was money. This was money.

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This was considered money. And silver was considered currency. Just like you have today. The paper that you carry is currency. It's just a piece of paper. It doesn't have value within itself. It has value because someone put it it's just it's just a bond saying that I have gold in the bank account in a different bank. It's all it is. Back in the day. Gold was money, right? And then silver was currency so silver in the time of the Prophet so I said them one day not equal $10 him so if you had 10 silver coins, it equaled one golden coin, but it was easier to break it down.

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like that because gold one coin one coin, but when Dnata, gold bought a lot of stuff, it bought a lot of things. And not everyone had had it had something to give you back didn't didn't have cash changed for it. So what you did was you would take 10 silver coins instead. And that way you could buy everything you wanted with 10 Silver coin, instead of having one big, I need a golden coin that is much more expensive is worthless. It's like instead of having carrying around $500 Bill, which we don't have here, but if I have $1 bill or carrying a bunch of 20s way easier to carry a bunch of 20s. So back then,

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Silver was currency, and gold was money. So what do we do? Do we follow the minimum amount of currency or money,

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always money always the the currency that carries its its value throughout time, which is why gold till this day still still carries its value. However, however Silver has lost its value significantly in the last number of centuries to the point where it's almost worth nothing imagine is worth $600. Today, it used to be worth 40 $4,500. That's a huge that's a huge loss in the in the value of silver. That's why we don't count silver when we look at minimum amounts anymore. The Shafi you're not sure if anybody he said you wouldn't add them together anyway. So you're gonna show out of all the shareholders said no, you would. But the shame, he said, No, you looked at the nisab of

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the hub, you looked at how much gold you had, if it made 85 grams, you would give Zika. And then you would look at filbur alone, if you had enough to get home, you'd give us a cup. If you had less than an assignment, you had less than the minimum amount in both. So let's you have 8080 grams of gold.

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But you had 100 Dirham of filbur. Would you add them together? So they said no. Only which after you said no. Everyone else said yes. You add them together? Because this is currency that is backed up by gold. So it's all one thing. But this is a no, because they saw a map showing me that both were money at the time. But that's how he viewed them at the time, because this has changed significantly. So that's an important point. Yeah, if you have that.

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But you owe 20,000

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on your house. So so this is where the difference of opinion enters in terms of does someone who is in debt pays occur? So they differ, its goal is different whether someone in debt pays his account or not. Some of them say no, they don't he doesn't pay his account because he's in debt. And some of them say he does. Now the question that kind of fixes the problem is, why do you have your sob if you're in debt?

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Why do you have your sob? If you're in debt, if you're in debt you should be giving? Why aren't you paying people back? Why do you have a slob? And you're saying the idea here? Why would you have a soft on it? Let's say

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you have 45?

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As you cannot even pay for it? Here's why aren't you paying back people? Why do you have your sob with you? That's the question that they ask or that's why based on that scholars have answered whether they justify you having $4,500 in your account, even though you're in debt by the 1000s to other people, maybe we should be paying people back if that's the if that's the case? Or? Or is it okay for you to have that amount of money, you're just putting it together so you can pay them because they don't want it in smaller? So it depends on the question. And that's why the Scholars have differed on this issue. I'm good with the opinion that you don't have to pay the car if you're

00:28:12--> 00:28:45

in debt. And I do that I say that to students as well. So if you're student and you're putting in your student loan, then you shouldn't be Don't worry about the guy and paying money. However, the question is, why do you have a slob? If you're if you're if you have student loan? Why aren't you paying back the leave $3,000 in your bank account. And that way this problem wouldn't exist in the first place? Right? The difference is small, just leave a bit under the nisab and pay people back. But if you have $100,000 in your bank account, and you owe people millions, well, why do you have $100,000? In your bank account? You should be paying people back or anywhere like well, my agreement

00:28:45--> 00:29:12

with them is that I'm going to pay them back in next 5060 years. And you have to basically you have to basically at that point because that because you don't know if you're gonna live that far anyway. Yeah, so if you have to be sick, that's the issue because it's not a matter of because this is no longer a matter of they're asking you for the money and you don't have it, or you just have you barely have it this is you have an agreement, that you're not gonna be paying them back for a long time for a very long time. That means this money is gonna be sitting there for a long time. Now, again, you'll find scholars who will say you don't have to pay zakat on that money, but I don't

00:29:12--> 00:29:25

think it's safe. I think it's much safer for you to pay does occur if you have if you have your sob. If you know that the agreement of the loan is going to be very, very long term for we're talking about in decades, and we're talking about something that's agreed upon for a very because what happens if they forgive you ill?

00:29:26--> 00:29:33

Right then what you owe like 5015 years of Zika that you didn't pay, and it becomes problematic. So it's better to pay Yes.

00:29:35--> 00:29:36

Throughout the year or

00:29:38--> 00:29:59

at the end of the year, at the end of the year, who just look at the bank account. You just click TD Canada, you look what you got inside, pay off your credit card, look what you got inside it or 4500 Pay 100 bucks, paid pay, you know, pay the amount that you have to pay. There's no portion because if you don't have your club, why would you pay, let's say a year from now, let's say I looked at my bank account today.

00:30:00--> 00:30:15

I hit 40 504, I finally hit that mark. Now I started counting, and I made like a million and a half within the year. But by the time then my do my due date for Zika came, I didn't have 4500 left. In my case, if something happened, I just spend all my money, something else do I pay, you know,

00:30:16--> 00:30:48

the concept of currency and money in Islam is that it's not something that you hold on to, it doesn't have value in itself, gold is not valuable from Islamic finance perspective, it doesn't have value within itself. Value is in possessions that you wear, eat, drink, learn from go to property and assets that you Oh, it's not. So you're supposed to be recycling money into the economy all the time, as a Muslim, you're supposed to be gathering money. That's not the you're not supposed to be thinking like that as a Muslim. And this is how Islamic finances and Islamic

00:30:49--> 00:30:50

and Islamic.

00:30:51--> 00:31:24

I guess understanding of a system of economics in the world will be based on the idea that money is not valuable in itself, you want to move it on, you want to get something in return that you can benefit from. And that is, by the way to understand that you understand why the world today is so many problems, people, they throw money at countries that have resources and take the resources because at the end of the day, it's the person who has the resources that will survive. And the guy who has pieces of paper and gold, you can eat gold, gold as you can. It looks nice, it's shiny, but you can't eat it. It doesn't teach you anything. It doesn't keep you warm. It doesn't do much. It's

00:31:24--> 00:31:54

just it's just so you want to keep on moving in Islam. And if you choose as a Muslim, not to move it around, right and you have enough, then you have to pay that guy in it. That's all that's all it is. If you're moving it around, some people are billionaires, they don't basica they don't basically they're always moving money. They're always moving the money, the money comes in to buy assets, and they they move it around the people working, they start businesses, they're not keeping money, stagnant. The moment you put cash, or money currency is stagnant. That is when you have to pay money on it. That's when you have to pay zakat on it. And if you're someone who's moving money around a

00:31:54--> 00:32:24

lot, you don't have to pay too much. Because you're moving money around. You're not You're not just accumulating numbers you don't have you know, a billion dollars sitting in the bank for a year. Why do you have a billion dollars sitting in the bank God for a year? Why aren't you move that around? Why don't you opening businesses starting gig getting people jobs, we open a business you give people jobs you give back to the economy you benefit as well, it gives value to the currency that you've got, your currency will die if it's if people aren't working in making money because it doesn't have any any value anymore. That's why it's not wrong for you to continue to move money

00:32:24--> 00:32:37

around so you don't pay Zika you're not supposed to keep money in the bank. So you can pay because there in case you keep money or currency stagnant for a whole year, and you're not asked all to be half of it or 30 of it. You're paying one out of 40 Yes.

00:32:39--> 00:32:39


00:32:40--> 00:32:47

may be kept up by the money for the time. We mean by moving out

00:32:48--> 00:33:20

buy houses, buy real estate, find buy this business, buy whatever you want, you never know that that house can lose its it's a risky, you can lose all its value in a day, something could happen is burnt and now you just threw away. I mean, 300 $400,000 do, it's up to you. If the intention is to falsify stuff, there's a lot of ways for you to falsify things if you want to like it, the intention is I want to I want to find a loophole in the caste system so I don't pay Zika it's up to you, we look forward to things occur because the concept of Zika is purification. This is wealth Allah subhanaw taala gave you want to purify it from any haram minute so you can eat it and you know, that

00:33:20--> 00:33:53

only highlights coming to your stomach trying to run away from it again, you can find me find ways to do it. And I probably may not have a good answer to tell you oh, you know, this is wrong, right? But you should be living your life with your money and with a certain mentality, which is money doesn't have value, I need to you know, move it to invest start companies get assets with it, not just accumulated and if I do accumulate it for any reason, like I'm holding on because I want to buy something later on then I always occur within a certain percentage of it and that's that's just how we're supposed to think about money to begin with us as Muslims. Yes. You're constantly moving money

00:33:53--> 00:34:01

around and you don't you don't get any soft. So technically, you don't have to hit the carpet you still choose to that is

00:34:02--> 00:34:07

not what if you don't have if you don't have 450 $4,500 Why would you pay?

00:34:08--> 00:34:39

There's your slab is a race is a small amount. If you're under the assault, why would you basically you need money, you don't have money right now you don't have currency. Now we're talking about trade goods in a minute, we're talking about things that are set up for selling in a second. Again, if you buy your land, and you don't have anyone work on it, and you don't work in it, you don't make any money off it and you're just sitting there waiting for prices to go so you can sell now you have to pay zakat on the on the value of that land that you bought. Right so it's not about just moving money around just buying things and leaving them no, it's about moving the economies allowing the

00:34:39--> 00:34:57

economy to grow. And for you to actually move your money around to start businesses with an investor with it not not make it stagnant in another in another form. So money can be stagnant in the form of gold, it can be stagnant in the form of currency and it can be stagnant in the form of you know pieces of land. Yeah, and even in cattle.

00:34:59--> 00:34:59

It can be stagnant.

00:35:00--> 00:35:12

As you could buy 5000 head of cattle and your intention, you're gonna sell them Monday. Now these are trade goods, these trade goods fall under the same law, how much? How much are 5000 head of cattle worth?

00:35:14--> 00:35:20

You do the math, you look into the value you do the math, you see is it nisab isn't something you have to pay, you have to give us a cut from it

00:35:21--> 00:35:56

in terms of in the form of currency for it, or you can give us a cup from the actual asset that you have itself. You can give the car from the land that you own, you give 2.5% of it away to MSRP or you can give it away in currency if you if you have enough currency. But the idea here is not to determine the stagnancy is the problem, just putting assets and not having them do anything you're not working them is not turning into a business. It's not it's not money that is being recycled into the economy to provide jobs and to provide produce because you produce as a as a as a community is supposed to be able to produce if you have money, you have resources you produce with it. If you're

00:35:56--> 00:36:11

not just keeping a stagnant then this is comes a problem you have to pay, you have to basic audit, yes. Here they have this thing where Oh, you will have to pay $10 or $15, or whatever it is, but it doesn't come from your goals advertised. Oh, you just have to be turned on if

00:36:13--> 00:36:24

there's a cut is a whole different thing. We'll come to that in a second. This is a Katrina filter, we're talking about a guy Dinamo is looking at your your assets and what you owe got to filter happens after I'm gonna come up in a minute.

00:36:25--> 00:36:25


00:36:26--> 00:36:27

Yes, go ahead.

00:36:29--> 00:36:30


00:36:32--> 00:36:34

One, just one point.

00:36:36--> 00:36:56

I made now meaning the normal people around me, okay, then he can just use 1000 and keep it in his home. And sometimes after one month, two months, three months, just distribute it. So I In an ideal situation, yeah. But there's no such thing. You're telling me there's no one in need in the world today for him to give $1,000 to

00:36:59--> 00:37:01

there's no medicine more need than the Muslims, there's a

00:37:03--> 00:37:03


00:37:06--> 00:37:27

To three months. The Muslims are live all around the planet. Once you have your Zika you have your money you find and there's ability to give it to people who are in need Muslims, whether the living in your community outside your community could be living anywhere in the world, you give it to them. The only time you wouldn't give is that if there's literally no one to take it, there's no one to take it at all, then you would hold on to it. As Jim who said did you miss that you'd hold on to it some stuff you

00:37:30--> 00:37:45

said that you could house you don't have to pay if there's no one needing it. But that money is held on by the government. And once the need comes, then you start then you use it then if someone goes into poverty, then they use it for them. But there's always need. I mean, there's never there's never a situation where there's no need.

00:37:47--> 00:37:48


00:37:49--> 00:38:04

some people are in probably an accident, something like this, then my friend has much more life. So you get like 100 The second one sounds too much money, then you come up with all this man one time for the poor people. He gives some like 50 50% for

00:38:06--> 00:38:25

emergency someone? No, no, you don't hold on an emergency unless people are not in need. That's that's not acceptable at all. I can't say okay, there's this poor people. Mindset guys. 50 million, I'm a billionaire. So here's 25 million to the people and hold on to the rest. In case some No, no. As long as people are still in need, I have to pay it immediately.

00:38:27--> 00:38:49

That's not his job. He as long as people need money he has to pay. He only holds if no one's in need anymore. If he looks up, does anyone need money? Muslims? Are they are they in anyone in poverty? Mr. Kean, I'm going to talk about the different categories we spend to go to none of them exist in the world hold on to it until they do. But if they exist, you're going to pay you have to pay now like there's no point of saying that there's a year

00:38:53--> 00:38:54

after you calculate,

00:38:55--> 00:39:28

ASAP, like as soon as as soon as you can pay it, you shouldn't you should pay it, you should pay this. If I need to pay some money to get that money to some poor people, like let's say, in my own community, there's no poor people to pay money does that money come from this guy? So for that, to put on money on top of that, they differed on that the more prominent positions that you use as a company for it, because it means to arrive? You want to be safe, use your own, you want to be safe. Yeah. And just to make sure that you're paying the amount for use only comes as a god be safe rather than sorry. Always. Yeah, because there's difference of opinions on these issues, whether you're

00:39:28--> 00:39:36

like if you're sending the money through Western Union, and there's like a $26 or $30 fee. So I use this account money on my own money, be safe and use your own just so that you don't end up

00:39:37--> 00:39:59

sorry, later. Yeah. Like, how would that how would you do that? If you can't tell what the overhead is starting to turn your organization? Do you make donations? You trust that they'll distribute but some of it goes to administration and other fields but they don't say there's still things if you have no reason to doubt these are the ministry these institutions and you shouldn't doubt them, especially if you tell them this is a company they know that they tell you this

00:40:00--> 00:40:13

says we're going to put it if that's a big concern, I mean, this is becoming more of a problem than you should pay yourself. Go look in your community around you, for people who are in deserving. Because you're so and that's why is the guy is the only federal of the fight for the ABA.

00:40:15--> 00:40:42

Only one of the 504 kind of fiber kind of Islam, that is organized by the government. Yeah, and he's a guy was always organized by the kidnapper, the whoever does it, the Imam, the governor of the state, he does T goes a collects the CA and then they distribute it, it's not just you doing it on your own, you're supposed to give it because they get to have a bigger bit of a census of who's in need and who's not in need and makes it easier to distribute. That's why it's the guys that love the higher level in terms of importance, and there's a different there's different

00:40:44--> 00:40:46

rulings regarding them the last part we have to deal with

00:40:47--> 00:41:28

and there's no obligation for us to pay as a guy in jewelry in Aruba and permissible jewelry, gold and silver. So a lady has owns a certain amount of jewelry, and that amount of jewelry arrives, is disarmed. So it's $4,500 or more to launder money. As long as the intention is jewelry, then she doesn't have to be the gaffer the gym holder. So the chef you're either Medicare the 100 meter all agree to that was only the Hanafi that say you have to pay in jewelry if it's if it reaches nisab and this is becoming more of a of an accepted opinion in modern times. So in modern times today, if you talk to more scholars today they agree to that a bit more. The reason behind it is that having

00:41:29--> 00:42:10

jewelry over $4,500 over worth over 4045 $4,500 of money is actually considering extravagant. I mean that's a lot it's a lot to have, I mean how much gold should you have? That's one thing second thing is that a lot of times people who are getting into financial crises are ending up selling this money selling the jewelry so the concept of jewelry is that it's not sellable. It's just something that is at a sentimental value, you will never sell it and no matter what happens is not this is not considered to you as money or currency is considered to you as adornments, you're not going to sell it. So just like your body parts in the movies, you're not going to tell your kid and you don't

00:42:11--> 00:42:47

that's how we're supposed to be thinking about these the moment something becomes sellable or there's a possibility we sell it then we start paying that guy No there's a contract argument to that the counter argument as strong as well as saying well your clothing you could sell one day and you don't have to base it on your clothing either. I've learned when I watch clothing you oh and that is true. So there's there's a back and forth the long argument whether you pay and if you have for women's jewelry or not. The best thing to do is just don't worry that will exceeds the nisab right just don't own jewelry that's more than 85 grams of gold now how much is 85 grams of gold in

00:42:47--> 00:42:48

terms of jewelry

00:42:51--> 00:42:52

85 grams

00:42:54--> 00:43:01

when really heavy necklace? Yeah, when really I mean it was Yeah, yeah, so less heavy stuff would be much much less than that. So

00:43:02--> 00:43:37

if you want to be safe I based on what the Hanafi said and more of the modern scholars say then maybe PISA on your jewelry but if you don't the the majority of scholars within the different vibe do not obligate you or the lady to pay zakat on jewelry even if you only use it once a year or once every five years or it doesn't matter how many times you some ladies put their jewelry never use them like he was there might be time maybe someone gets married once every 15 years that she cares about she wears them as she goes up that's fine as long as the intention here is not we're not holding on to wealth and we're not accumulating capital is this is the intention of this jewelry

00:43:37--> 00:44:07

then you have to be gonna have to musica diamonds and other diamonds don't We don't enter this equation at all. diamonds and other stones don't enter this equation we're only talking about gold only all actually silver we don't talk about silver anymore because silver used to be a currency and today doesn't carry any value in itself only if it's backed up by gold so what we're stuck with is just gold gold or whatever currency is capable of whatever amount of currency we'll buy that amount of gold which is 85 grams and that's how we so you count a year and that's when you start Yanni.

00:44:16--> 00:44:28

History both has always been programming solver but because of all the technology that we have a lot of uses solver and so I don't know how true he says but there's concerns that direction with us

00:44:29--> 00:44:30

because it's used

00:44:33--> 00:44:35

to put away the soldiers used to

00:44:38--> 00:44:44

only have gold becomes currency and silver becomes money as long as gold and silver

00:44:52--> 00:44:59

you need the prophets I said that the Sahaba did not carry paper currency with them. They never did. What did they carry? They carry silver coins.

00:45:00--> 00:45:38

Right silver coins will add up every time we add up to one dinar so what is the minimum amount of gold that you have to own you have to own 20 dinar if you have 20 Golden dinars sitting at home for a year you have to pay one of them half of them as again so but people are people don't own gold gold at all. They don't want gold in their homes. They what do they do is they get delight him. So instead of having top 20 golden coins, they get 200 silver coins and they hold on to that. And then so that's where you start today. Silver doesn't that's not the it's not equal anymore. That's not true. Like when do you not have gold equals around, you know, 300 Durham's, so that is changed

00:45:38--> 00:45:43

because this is currency and this is money. And that's what we have to defend you. So we always stick to gold, what we're doing

00:46:04--> 00:46:08

is the percentage percentage,

00:46:10--> 00:46:13

the 5050, and everyone should own or you

00:46:16--> 00:46:51

mean the budget, but it's owned by one meaning this isn't the name from this language either owned by the man or the woman? If it's not in there? No, this is our money put together. Okay, then what is the breakdown of this money was 5050 then it was like it was $4,500. All in all, and all that? No, there's no such thing because owned by two people. And each one owns only, you know, whatever, whatever the $2,200 $2,300. And that's not really a sob. So this has to be established between between between the man and the woman who's in the household. In terms of who owns the money, who actually owns the assets. Usually the man owns the the money, and he pays and he gives his wife and

00:46:51--> 00:47:11

he gives his family and then he just does that based on how much money he has. And it's but if no, if they're both working, and they both have rights in this money and his monies for both of them, then they have to establish what the breakdown is. And whoever has the assault, the minimum amount has to pay he has to be sicker. Okay, so that's money. That's kind of breaking down. Money for you. We'll talk about we'll go quickly, more not to

00:47:13--> 00:47:18

but we'll go when you saw it was zero theory handset to also

00:47:19--> 00:47:27

the minimum amount I'm gonna we're gonna leave money and livestock. So we talked about livestock, we talked about money. We're gonna leave this we're gonna go to something called Zulu. Was it always agriculture?

00:47:29--> 00:47:30

So someone remind me quickly?

00:47:34--> 00:47:35

What is agriculture? Yes.

00:47:37--> 00:47:37

Very good.

00:47:39--> 00:47:40


00:47:42--> 00:47:43


00:47:44--> 00:47:45


00:47:47--> 00:47:48


00:47:49--> 00:47:50

rice, lentils,

00:47:53--> 00:47:53


00:47:54--> 00:47:55

Anything else?

00:47:58--> 00:48:00

These five are the what are they called?

00:48:02--> 00:48:09

staple crops, staple food crops. They're called staple food crops needed the crops that are used most

00:48:10--> 00:48:15

commonly all around the world till this day. These are the crops that people use all the time. So if you are

00:48:17--> 00:48:54

growing these crops, and most people are going to be their lucrative business because they're easy to sell. If you're if you're growing. Any other crops, they're much more difficult to sell. Meaning there's always a risk of the of the value of it plummeting or fluctuating heavily. These don't fluctuate very heavily in value when you're selling them regardless of the season. Why? Because they're used all the time that you always need wheat and barley, you always have bread being made all the time, races, oh, lentils, corn, they're always being used all the time. So it's not hard to sell them. And people need them a lot. So there's a kind of them for two reasons, reasons. First

00:48:54--> 00:49:28

reason is that they're lucrative you'll make money off them, it's easy to make money off them, they don't fluctuate very much. The second reason is that people benefit from them, their staple crops, everyone needs them. So it makes sense if everyone needs them that we take the car and give those who don't have it, because they needed to eat. What's the point of me giving a crop giving us a cup of crop that people don't really need? It doesn't have that much nutritious value or value to people. They don't find the benefit of it. It's nice, but they don't really need it. And that's and that has to be differentiated in terms of importance. So agriculture, you saw was the minimum amount

00:49:28--> 00:49:30

of agriculture come set. Oh, so.

00:49:31--> 00:49:32

So minimum amount

00:49:38--> 00:49:46

of staple food crops, I'm gonna use that term from now one, because it's much easier to to understand is 506.

00:49:48--> 00:49:51

Because these are measurements, these are measuring and measuring measuring

00:49:52--> 00:49:59

tools that they had back in the day, which is where he opened was it to me that rochlin been healthy, and it's 1600 Rajpal

00:50:02--> 00:50:10

I have no idea what these are. By the way, I have zero idea what these are. I'm just telling you what these are the measurements they have, what do they add up to date? What do they give you the number last week? What was the number I gave you in terms of

00:50:11--> 00:50:12

last time?

00:50:14--> 00:50:24

Here, he's giving us 715 kilograms i, we did a calculation on this before, I'm safer with going with 650 kilograms.

00:50:27--> 00:50:30

So above 60% of a ton,

00:50:32--> 00:50:36

have done a bit more than half of them. So 650 kilograms, if you grew wheat,

00:50:37--> 00:51:06

and you have 650 kilograms, or more than you have to give the car from if it's less, you don't pay the government if it's 500. If you're halfway done, if you put all your How do you wait, you wait without its pusher, without any way? Just the the actual food that's going to be used, so you don't weigh with anything else? To be fair, so if you're weighing corn, you just have to take off all the you just just the cob, you're weighing wheat, you have to take off the

00:51:08--> 00:51:09

what is it? Current? Yeah.

00:51:10--> 00:51:15

Yeah, exactly the current sorry. And we there's the the cushions, the wrapping

00:51:16--> 00:51:40

you the shell of the shoe, the shell of the seat, so you take that off, and you just you just weigh what actually what you actually took that's going to your benefit asked me 650 kilograms or more you can you can you can change this if you want to weigh it differently. So you can add a certain you can you can do some mathematical equations, and say I'm gonna just wait altogether, and this number will differ if that's the point a bit so that you know what you're doing. Now. What do you pay?

00:51:41--> 00:52:09

dreidel? Well, FEMA is a debit he started being the more the more there is the more that you have to face account. So what is the amount of fear in Sofia Bhima is center we see here and also if it has been irrigated. If the irrigation happened with rain, or water that flows naturally on the surface of the Earth where you didn't have to go and buy that water, you'd have to dig a well well, well you don't own you'd have to actually put money or effort into this, then you have to pay a longshot so 10%

00:52:13--> 00:52:17

What in Soviet we do lab in this version and if you if you irrigate it

00:52:18--> 00:52:42

using a wheel you back in the day you have to use wheels to get water out of the wilderness or you or you use any other form of irrigation where you have to go and put in labor and money to actually make it then you have then you pay 5% Useful offshore half of half of a 10th. So half times a 10th is one entree which is five which is which is 5% All right.

00:52:43--> 00:52:53

So under 60 650 kilos what would you pay if you didn't irrigate at all meaning you just waited for the rain when he came down and it all came with the wheat came out?

00:52:54--> 00:53:02

So 65 kilogram 65 kilos or can you pay the the currency amount

00:53:10--> 00:53:11

can you

00:53:12--> 00:53:26

so there's a long debate one of those epic Gani inter Islamic Gadea bloody battles, whether you're allowed to use money for for for agriculture and for the cotton filter, which we'll talk about next time. The Hanafi

00:53:27--> 00:53:42

allow it it's an opinion within the humbly Mantap it's an opinion within the Shafi method but the majority of scholars so the majority of the Showfield Are you the majority of the data and automatically Yeah, so you know you have to give it you have to pay it with the actual

00:53:44--> 00:54:19

product itself you have to use the weed itself you have to give out the actual you're not the value of it. What is it that you you grew even Taymiyah said that it depends on what's more beneficial for people what do they what's benefits them do they want money give them money? They want the actual product they want the week give them the wheat who wants sweet know what they want bread, give them mail buy bread so they can get wheat it's things have changed back in the day. It's funny the private side I've never eat bread made from wheat in his life. So listen to that once he only ate bread that was made from barley that had its shell so it wasn't even unshelled Barley was actually

00:54:19--> 00:54:38

barley with a shell on it so and I've eaten that type of bread it isn't good. It isn't good at all. Now you bet you we would not you wouldn't eat it is it doesn't taste good at all. It's not nice at all. It's not a sell the eye of course everything's healthy doesn't taste good and isn't isn't that the sad sad the reality of our existence that everything that tastes good is just not good.

00:54:41--> 00:54:42

It just is very expensive.

00:54:43--> 00:54:44

Barley is

00:54:46--> 00:54:59

shiny, it is much less expensive than kombucha than wheat. And it's just more expensive to buy wheat and barley with its shell is even less expensive and that's what you could afford to buy some of them in his family, which is interesting to talk about anyways. So this is what we need to do with agriculture. Do we

00:55:00--> 00:55:02

What do we talk about any other besides these?

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For the short video we don't.

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If you study more and more into Zika, you'll find that there are other crops that they talk about the other crops that people, scholars have said you have to pay regarding this crop and about that crop. There are other crops that they talk about, I'm not going to go into that detail, because it's a really, really long study that will take forever and none of you are, you know, farmers, unless you're a farmer, there's not going to be much of a deal to you. But if you are a farmer, you can come to me, I'll refer you to a place where you can go into more detail to know which ones are more, because staple food crops. These are the five that are study that was since that time till today,

00:55:38--> 00:55:49

there are other crops that are becoming more and more stabilized. There's more stable foods, like potatoes and others. But generally debatable is like, for example, if you if you're growing cucumbers,

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and you harvest 1000 kilos, like a ton, there's no doubt at all, from the Sharpie perspective in the gym holders perspective as well, all these specific scholars will tell you that you have to basica based on a certain understanding that they have but this is a generalized way of looking at it. And I'm quite comfortable telling you to do this with agriculture. I don't see that to be problematic at all. Yes. On harvest, right. Yes, the moment. So to finish with this, to kind of differentiate between agriculture and money. What's the biggest difference?

00:56:24--> 00:56:29

Money a year? Yes. Here at harvest.

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What if you have 130 kilograms of each, so you don't add anything together. Like they don't add stuff, they don't add their add livestock, they don't add money, and they don't add anything, everything has to be totally separate, you will find so they'll talk about it differently. But then without him, the only speak the gym who are comfortable not adding things together, each one has to be dealt with individually because they have a different value. Because they have a different value anyway, the value of different than the value of barley, so adding them it's impossible to begin with. So we'll start with this. We next time we'll talk about

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fruits. And the final one which will be trade goods, what is trade? What are trade, how is trade goods going to different be different than this?

00:57:13--> 00:57:15

How are trade goods may be different than this.

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They're not, they're not gonna be different at all, to be the exact same thing. I mean, come back and tell you exact same stuff, it's just gonna be in the form of assets. So I could have in my hand, any 85 grams of gold, or I can have a phone that is worth 85 grams of gold. Right? If I'm you, if what I'm doing with this is what I'm doing with this, then I have to pay zakat for booth just like it we'll talk about it more and we'll explain is the livestock problem, the livestock problem? I spent all time last time explaining to you how you break down livestock. It's very, very confusing. Now, if livestock is being prepared for selling, it's not confusing anymore. It's not confusing at

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all. You just say okay, what is the value of the livestock?

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Is it more than 4585 grams of golden worth? It is then you pay 25 2.5% on it. If a year has passed, if a year has passed, and you pay 22.5%. That's it. Which makes a big difference in terms of how much you end up paying, you end up paying way more through this. This is way more but I just cost more money having assets that are sitting around you're not using them. They're not being used, I mean recycled into the economy will always be more expensive to you, which encourages you to do what encourages you to recycle wealth into the economy, move it around, keep working, start businesses, provide jobs, keep things running, don't hold on to well, this only what do we know today? What is

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the how much are we talking about the 10%? The higher the richest 10% on the planet? How much money do they have

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80% over 85% of the world's wealth over 85 Well over 85 I heard a number of around 91 Like a while back 10% of the pie the highest, the richest 10% on the planet. So there's 90% of the human race sitting around fighting over 15% of the wealth and 10% Owning over 85% of the wealth. Why? Because it's being stagnant. It is just being staying where it is. No one's moving in to start being recycled back into the economy. They're not starting jobs with it not doing anything. They just are keeping it where it is. And of course there's a big you know, other monetary system of the world is messed up, which makes things really difficult to even begin talking about and as a Muslim, we still

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have to again, you understand the importance of Zuckerberg you have to participate in them. You have to pay it on time besides the club. And with that, once it's done, we'll answer questions