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The Meaning Of Zakat

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Bilal Assad

Channel: Bilal Assad

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Episode Transcript

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Salam alaykum Warahmatullahi Wabarakatuh.

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Hawaii my brothers and sisters, sha Allah here

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hamdu lillah wa salatu salam ala Rasulillah. While early he was so happy when Manuela my brothers and sisters, we're moving away today slightly from the topic of salad. And I want to talk about a very complex and long subject, but I'm going to summarize it in this lesson. Can you imagine that? I think that a lot of people still luck in understanding this very important pillar of Islam, which comes straight off to solid. Who can know what it is?

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What is the third pillar of Islam? Anyone knows?

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Like

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I was getting worried there. It's shahada, solid Zakat, and then fasting Ramadan, salam, and Husch for whoever is able to do so. Brothers and sisters. Why is that get after zakat I'm going to talk about a little bit about Islamic wills. And after that, I want to talk a little bit about Islamic inheritance. These are huge topics. But I'm going to just tell you the basics of what we need to know in sha Allah Tala in our daily lives. And if you have any questions afterwards, go ahead insha Allah.

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So

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why is that God, it is the third compulsory pillar of Islam.

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It is mentioned and repeated in the Quran

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over 38 times, Allah says repeatedly pay the Zakat give the Zakat produce the Zakat. Not only that, it is also repeated in the Quran. It is also repeated in the Quran, together with solid, solid and zakat together straight after each other 28 times in the Quran. There is no other pillar of Islam or action of Islam or practice that is mentioned like that together as peers as much as solid and zakat.

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Welcome salata. We're to

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establish your solid and give the Zakat it's highly important in Islam it is so important and so serious to be mentioned in the Quran that many times in fact Allah says in

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surah Al Imran verse one it

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was Serbian

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law whom in family who were caught here

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born who I shall

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say yo Hakuna donkey Looby.

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While Illa he me Ross was

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one long will be in doubt man Oh, no hobby.

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So Allah says, Those who are stingy in what Allah has granted them

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out of His Bounty think that their stinginess is good for them. It is bad for them. What they were stingy about will turn into a Holter. around their necks, on the day of resurrection to Allah belongs the inheritance of the heavens and the earth. And Allah is well aware of what you do.

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A halter is like a head collar.

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You put around horses and things to steer them on the Day of Judgment, there'll be steered with that wealth that they were stingy with, and not produced. There's a cut. This verse is amazing because listen to what it's basically saying. It's telling us Allah is saying, listen, everything in the heavens, everything you see in this universe, and beyond. And on earth, all of it belongs to Allah. All of it belongs to Allah. We just came into this world and here it is.

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All of man's possessions.

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And what we use in our life, everything.

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Everything

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that we possess, we use Amelie transient, transient means they're just with us temporarily. And they're going away from us. They're gonna go to some

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someone else and then from them they'll pass on to someone else and from them so nothing really We own nothing. It's all temporary and it belongs to Allah in the beginning and the end. These temporary belongings, which you and I have,

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are only

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temporary and they will be stripped

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away from us sooner or later upon death

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and whether will they return to, to Allah subhanho wa taala. So when we give from it, we are in fact giving

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from what belongs to Allah,

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our wealth, our money, our possessions,

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everything that we get from it, we are not really giving it from ourselves we are giving from what we are entrusted with which is temporarily with us, Allah is testing us with it. He is seeing what you will do with it, will you maintain the trust in it or will you become arrogant and miserly, and if you do give you are giving from what belongs to Allah and Allah rewards you tremendously for giving from what belongs to him in the first place. That's because of His mercy.

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So hoarding

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and refusing to spend our wealth in that way, which pleases Allah

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is a foolish act by anybody

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is the cat My dear brothers and sisters, literally means in Arabic literally means a purification, or cleansing a growth or raising the value of something that's something which you are raising the value of is yourself and your wealth, the thing which you are purifying is yourself and your wealth. The thing which you are cleansing is yourself in your wealth, hell.

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You see, as the members share faces and great scholars, even experts who are non Muslims today, entrepreneurs and billionaires, they tell you this, they say that your wealth and your richness is not with how much how many coins and notes you have, or how much gold and silver you have, or with the property and assets that you have. Your richness is really comes down to how free are you and independent from being enslaved by your wealth. You control this world, you control the wealth of the wealth does not control you.

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The moment we start to hoard it, and save it up in a way where we're miserly and stingy.

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We are letting ourselves become enslaved by the world and by materialism. While long Wallahi if you hear experts, entrepreneurs of any very successful financially, they will tell you, and I've had meetings actually, with billionaires and millionaires overseas in my travel,

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whether they're Muslim or non Muslim, they always told me one thing, which till today, none of them has explained it to me properly. But I know from Islam,

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they say we make money for some reason. Number one, we're not trying to hold on to it, we got to keep it circulating, we're gonna keep giving.

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And they're all telling me this. And we make it a priority. That part of our wealth we give in charity.

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These are people who love wealth, more than anything in this world. And in order to make wealth and to be free, and enjoy their wealth, they say we give in charity, there's something special about giving in charity, we don't know what it is, but it comes back.

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And it is true for the Muslim and non Muslim. This is the Sunnah of Allah in this world. So when Allah subhanaw taala tells us one or two fickle, whatever you give forward in the path, that is good, whatever you give and good for Hawaii.

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Whatever you give up your goodness, Allah says in the end for Hawaii only for who he is the one who will compensate you he really will in this world, then in the next hell, it doesn't mean if you give $10 I was gonna automatically give you $100 back. It's not how it is. Wealth has many meanings. There is wealth of skills, wealth of knowledge, wealth of expertise, wealth of leadership, wealth of influence, it's not just the money that we have these paper notes in our pocket. And my bet is brothers and sisters that wealth that money, what is it worth? If it's in my pocket in your pocket? That $1,000 That it's in my pocket? What is it worth if I don't use it? What value has it got? It's

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just the paper that is in my pocket or a piece of plastic. But the moment you circulate it and give it it starts to have value and meaning and you see the circulation coming back to you. Now of course Islam doesn't tell you to just open your hand up widely and just foolishly give your money away. Not in that way. Allah subhanaw taala did price boundaries. He just told you use it in the way that I have guided you. So Allah for example, says don't do a Seraph.

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Don't be wasteful, just spending without thinking without managing just all over the place and just thinking of your desire. Number two, he said, Don't be stingy.

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Also Allah says that there is a limit. There is a limit that you have to reach. Before you must give zakat.

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The compulsory arms giving, and with Saba call with giving in charity, Allah says, Give what you can, and do not forget your own needs and your family's needs. So it's not just given that's it foolishly, there is a system in place, but use it in the way that Allah earn it in the right way. Spend it and ROI keep it circulating. Islam recommends that we keep our wealth going. Investing is good. Ross also seems to love business. For example, investing is good, but invested in halal, but don't forget about your needs and your family needs. Anyway.

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In a nutshell, you purify yourself and you free yourself from being enslaved to materialism. That's true richness.

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The Islamic definition of Zakat is as follows. It is a specific amount

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or percentage

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that you must give from your accumulated wealth, which you have not used.

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In other words, surplus wealth. And this wealth has been with you for one full year Hijiri year, according to the Islamic calendar, and this wealth has reached a certain amount.

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A threshold in Arabic and Islam call it nisab. I repeat, Zakat is a specific minimum amount or percentage that you must give from your accumulated wealth, which you have not used surplus wealth. And this wealth has been with you for one full year Hijri year, and this wealth has reached a certain amount the threshold than ISAB. I'm talking about zakat of wealth. There is another circuit called Zakat and feta which we give at the end of Ramadan, very quickly. It's very simple. It's

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four to four handfuls for two handfuls four, that's how much or more of six types of grains and legumes such as weight.

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Chickpeas,

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rice, oats, and as to others, but the point is, you give that non perishable items or foods to the poor and the needy at the end of Ramadan. Here in Australia and around the world. Scholars get together and they tell us how much it's supposed to be. So we estimate it in money. And it's about $12 or $13 or $14, something like that.

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It's about three three to four kilos, I think kilograms. And

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this is given to the poor and needy at the end of Ramadan before I eat and fitted.

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As for zakat of wealth. That's the more

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complex one for us to understand.

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So,

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the threshold, remember how I told you you have to have enough wealth. And when you reach that limit, then you must give zakat, this threshold is called an ESOP. Each type of wealth has a specific threshold nisab and I'm gonna go through them in sha Allah one by one.

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Here are the four types of wealth that you must give zakat for

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how many types of wealth

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only for nothing else. If you asked me, What do I have to zakat for which wealth I tell you, and you say only four types of wealth, you must produce the cat by owning them. Number one, gold, silver and money. They're the same thing. That's the first type of wealth. The second one is trade stock. If you have something that you have put for sale, which you buy and sell, number three livestock farm animals, number four, non perishable crops, grains and legumes wheat, rice, corn chickpeas beans if you farm them, and dried fruit to like dates and sultanas these are people who farm and livestock people who farm have cows and cattle and sheep and things like that. The most important one for us

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is the gold, silver and money and business stock, isn't it? So we're going to talk about each one insha Allah Allah in order to pay zakat, there are three main conditions. Number one, your wealth has to reach a nisab a threshold a certain amount number two

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one whole year has to pass. And number three, you must be Muslim. Zakat is not compulsory upon a non Muslim. It doesn't matter about your age, even a child if they have wealth that has reached this amount of One year has passed. If you put, let's say savings for your child, you as the guardian must produce this account for your child's wealth until they are able to do it themself old enough.

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Is this clear so far?

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Okay. Brothers and sisters, you know, the Zakat system only exists in Islam and no other religion. Every other religion has what they call charity, arms giving, In Islam we have charity to. It's called sadaqa your honesty of giving and generosity. But the difference between charity and Zakat is that charity is voluntary. And there's no amount and give any much you like to whoever you will,

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anytime. But there's a cut is specific, there is a timing for it, there is an amount and it is compulsory.

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It's compulsory also on every Muslim who has reached puberty if it's a child, as we said, The Guardian is responsible.

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And if you look around the world, the poor and poverty around the world.

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The latest data shows us that 80% of people in 80% of countries in the world of people in the world live on less than $30 a day with their families.

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And more than 60% of the world population live

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on less than

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on less than $10 a day.

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And about 10% of them live on less than $1.40 a day. These are people in extreme poverty. Here in Australia, we don't see that much. We see some homeless people but in general, it's hard to find to live like this.

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But if this is the percentage of people in the world, why they like that? Did you know that there's a God system in Islam is the only system in history. You can look it up go ahead in history, of civilization, of human history, in this world

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where they came a long period of time I'm talking hundreds of years where it was so hard to find poor enough people who qualify to receive charity and zakat only in the Islamic world. In the in the empire the healer for the the the the Islamic empire. They call them the West calls it the golden Islamic age, which is about from when the prophets Allah sent them

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after he left it to Medina and Islam started to spread 60 In the six hundreds, all the sixth century, all the way

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to about the 14th century. And it continued until the Ottoman Empire fell, weathers their card system

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was flourishing. And in the Islamic world, anything under the Islamic empire for about 400 to 500 years historians, such as Athena and and others.

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They tell us that they went anyone very hard to find anyone who will accept or qualifies for the Zakat among them is honorable Hautala Allah who I know when he was the hip Khalifa and another one called Ahmed Abdul Aziz are the Allah azza wa jal, Mayan and other times in Islamic history.

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This is a caste system goes truly to the people who need it.

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My brothers and sisters

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let's go through it inshallah. Gold, silver, and money, money, currency is based on gold. So it's basically the same thing when it comes to zakat.

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If you have a certain amount of gold, silver or money that you have saved up, and it's been with you for a one full Hijiri em haram suffer robiola? Well, the Islamic calendar, which is a little bit less than the Gregorian calendar, it's about 11 days

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shorter.

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You need to you have to produce and pay 2.5% of that wealth that you have the gold, money and silver.

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How much gold are you supposed to have?

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For you to have to pay the Zakat of it you have to have a minimum of 85 grams of gold.

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How much do you have to have minimum of silver 800 and

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58 grams of silver, how much do you have to have money?

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As much as either 85 grams of gold, or 858 grams of silver?

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You might ask me now, but silver and gold are very,

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very far apart

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858 grams of silver

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is about

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is about 50 $56.

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Sorry.

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It's about

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$506. Currently now

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85 grams of gold is about $4,700 Australian dollars. Big difference. So which one do I go by 4700 of gold. Or I go by the silver $506 that I have to have money

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is based on gold. But in the past, gold and silver were the same. As time went on silver started to go down gold stayed where it is. So the scholars of today tell us majority of them say why don't you base it on silver? Because the poor and the needy can benefit more. So if you have about 500 or $600 saved up for one whole year or more.

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Give 2.5% of that. Do you know the difference between silver and gold? If you're gonna if you say but I want to go by 4700 others they said I'm gonna I'm gonna go by silver $500 I say the difference is between $13 and $100 difference

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2.5% of the gold is about $100 Australian, the 2.5% of silver would be about $13. Australian, why not give that to the poor and the needy? Do you understand what I'm saying? Okay, so each year, the scholars here in Australia they get together and they send out a paper on the internet on Facebook and so on. They tell us how much do you have to have of money to pay Zakat, and I come up with 4000 something and then I advise you they said but we prefer that you go buy the silver. So about $500 If you have $500 or more give 2.5% of that.

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Do you understand what I'm saying? Or not?

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I chose a tough topic today. Okay. In simple terms, if you have more than $500 accumulated for one whole year, give 2.5% of that to the poor and the needy, good

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which is about 13 bucks.

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If more 2.5%.

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Type one full year. This is how it works. Today

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is July.

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All right. Well, let's say first of August next month

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you're going to look at the Islamic calendar. What are we in right now?

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What are we in right now?

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What is it the hedgehog 27 year old hedger. So let's say first of Mahara.

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12 months later, count how much money you've got saved up.

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Whatever you've got, pay 2.5% of that. Some people they do Ramadan, Ramadan, let's say it's Ramadan. Every Ramadan they pay their zakat. That's one full year. Every Ramadan count how much money you've got. Pay 2.5% of that.

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Just do that. But I advise people change it from Ramadan to another month. Because if everybody gave only Ramadan, the poor and the needy people only get it in Ramadan. What about the rest of the months? A poor people only pour in Ramadan. I know you want the rewards, but it's a greater reward to give when people are in need. That's the whole purpose. So change your months and make your years different. Say every

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you know, every one year from this date, I will give my Zakat 2.5%

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Now you know golden silver, if your mother's or your wives because most men don't have golden silver. Most men but if you do have it, you pay 2.5% of your golden silver.

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If it is not used

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the majority of scholars majority say that the golden silver the jewelry, which you use, even once or twice a year. You do not pay zakat on that.

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But if you've just saved that up, because you're investing it or you're you just want it to grow and you never use it.

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Then you should pay 2.5% of your golden silver

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And that relieves our sisters who have lots of jewelry.

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Okay, from paying, there's a cat, but it makes it hard on the husbands because they're going to buy the jewelry.

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Okay, that joke went out the window. I'm going to keep going.

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Okay, no one understood it.

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Okay, let's move on trade stock. Anything you trade with money, I mean cars, phones, houses land, anything you trade in services?

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Well not service has to be products, anything that you buy, in order to put for sale.

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Anything you buy, in order to put for sale,

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if its value that you have is more than 85 grams of gold, or 858 grams of silver,

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which is about more than $500.

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If that stock, which you have put with the intention of selling

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is still with you at the end of one full year. And you haven't sold it. Guess what?

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You get to give zakat 2.5% of its wholesale value. If you were to put all of it for sale, wholesale value.

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You give 2.5% of that?

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Is that understood? Is that clear?

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One brother said I bought a land

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to do I have to pay zakat on that land every year? What's the answer?

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Not unless you're trading.

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If the intention when you bought the land is so that you can

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sell it later on. You bought it with that intention as a trade, then you have to pay 2.5% each year.

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If you bought it, and you don't know, if you might change them, or you might invest it, you might sell it you might not. You don't have to pay zakat, unless you are absolutely sure from the beginning, you had that intention. Even when you buy the land, let's say two years down the track, you say you know what, I have this land and it's going up in price. I'm going to start

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I'm going now I have the intention of selling it and making profit on it. From that moment you made the intention count one year,

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if the year has passed,

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and you have not sold it, you have to pay 2.5% Because your intention now has turned the land into a trade. Anything that's turned into a trade. If the property is the winner, you have to pay 2.5% of that.

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But if you're not sure, you're in doubt, maybe maybe I'm not you don't pay zakat, unless you're sure. Any questions about land?

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Property. just in summary, it's as simple as that. Good. It has to be more than $500 worth.

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All right

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now

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a house

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and you rent it.

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Good question. You have a house and you don't live in it. And you gave it out for rent. Do you pay zakat on the rent or on the house itself? This record is on the rent not on the house.

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But if you had the house, you bought it, you're not renting it. And it's for sale you bought it to sell if it's still with you, after a year you pay 2.5% of its value.

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If you rent it out, you pay 2.5% of what

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only if the rent that you received

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has been with you for one full year. And it is above the nisab

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let's say I rented out a house. And

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after six months, I made $10,000

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Then I used that $10,000 And it went

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and now I have I don't have it anymore.

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Then six months later, I had another 10,000 Do I pay zakat on 20,000 or 10,000?

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Neither because it's six months. One year is past. I pay whatever I have. Okay, it's very easy. Any profit you make, just wait one year, if you still have savings, above $500 or so. pay zakat on it. Is this understood.

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So you invested in a stock market

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on the on the percentage that you earn on the shares that you earn

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not on the profit,

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not on the profit on the shares that you own.

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Number three, this one you guys, do anyone anyone run a farm here? The old anyone does farming? Anyone got cows and cattle that you sell? Come on, give yourself up. Come on, we want to know who the rich people are here. Who are the agriculturists? Well, no, we're not up to the agricultural Co Op to the farmers. You've got sheep, you've got cattle.

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If you have a land and you have sheep on it, you have goats, you have cattle, anyone got camels. No one has camels. Islam talked about it. If you have livestock on a farm,

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then it depends how much you have of it. I'll just give you a couple of examples just to for the sake of it. Let's say you had sheep and goats. If you have between 40 to 120 heads of sheep or goats, then you have to produce one,

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one.

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Lamb

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are one shape that is four or five years old. And you give it in zakat.

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Let's say you had 120 to 200 heads of sheep and goat, you give two

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

sheep that are four or five years old. I know you're not going to remember this, but I'm just giving you just a sort of so you can understand that in Islam. There's even precise, precise calculated zakat for everything. And it's all fair. It's all fair. And if you were to look at a few mathematicians, you could look at it you really know about finance and stuff like that, you would say what an amazing system it is, what an amazing system it is. It is so fair, and so precise, and you never go broke with it. In fact, you'll make money out of it.

00:32:02--> 00:32:35

Let's say cattle. If you have 30 to 39 heads of cows, you got to give one calf, which is three years old. Just an example. Let's say you had camels, if you had between five and nine heads of camels, you got to give one sheep or one go to that is two years old. It's so precise, you understand? And the list goes on. Let's move now to the fourth type of wealth. And that is called non perishable grains, legumes, grains, legumes and dried fruit.

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

What's a legume?

00:32:39--> 00:33:13

See, I did one year of agricultural science and you told me don't use big words. So I'm going to try. I thought you'll know legumes Alright. So let's just call them crops, crops, crops that you plant as seeds and they grow. So anything without a trunk. The only has a stem. These are all called crops, grains and legumes. Grains are usually seeds. And legumes are kind of the same thing. So they are things like chickpeas, wheat, corn, beans, you understand what we're talking about? This type of stuff.

00:33:17--> 00:33:31

Dried fruit. So dates sultanas. So long as the crops and dried fruit can be weighed in a scale and they can be stored in normal temperature.

00:33:32--> 00:34:17

So apples, oranges, can they be stored? Are they non perishable? No. Apples if you keep it for a week outside, they start to decay, isn't it? Oranges bananas you don't pay zakat on that you only pay zakat on crops that you have grown on your farm in your land. And they are non perishable and they can be weighed. Alright, anyone doing this farming here? No one does farming, but just in case anyone around the world who's listening and does farming, that farming My dear brothers and sisters, just to show you that how Islam is so intricate about the rights of others. You have to have about 650 kilograms of that. As soon as you harvest you gotta give how much the How much do you give, if

00:34:18--> 00:34:30

it gets more technical, if you're the one who waters it. It's called the artificial irrigation, you water it, you got to give 5% of it. But if you the rain waters it, they gotta give 10% of it.

00:34:31--> 00:34:59

Do you don't have to memorize all this. But I want you to appreciate how detailed only Islam has this. And maybe the Jewish religion has a bit more details in these things. But Islam is the most complex when it comes to people's rights, business transactions, trade, charity, zakat, money circulating economy, economics, if you have an Islamic state, I mean, the real Islamic State the Islamic killer for all of this solves Wallahi

00:35:00--> 00:35:40

solves the problems of all the people, the economic problems, social problems, political problems. Yes, there have been Muslims around the world who betrayed and didn't uphold the trust of how Islam should be the laws of Islam. So some people can say, What are you talking about? Muslims have done atrocious things? Yes. But they're Muslims. They're people. I'm not talking about people. I am talking about the religion of Islam, that does not change. Look at me talking about this stuff. 1400 years later, we still have it to the dot. It's so technical. Do you understand how this is a religion of Allah subhanho wa taala. And the fairness is so intricate and detailed, it blows our

00:35:40--> 00:36:30

mind away. Economists have studied just the inheritance laws of Islam. And they were buying blown, they said a few verses in the Quran called Surah Nisa, chapter number five, verses 1112 and 13. And the other ones, they said, has explained the entire system of inheritance in such fairness, and precisely mathematically calculated, I was saying to the brother, it's like, it's a formula, a small formula that solves all the shares of inheritance perfectly and precisely, fairly, and gives responsibilities fairly. This is Islam. A few verses of the Quran in told us the inherit, and you know, in the western that they're still working in, even in, in the legal system, inheritance is

00:36:30--> 00:36:38

still got so many floors. We have a lawyer here, I've got to be very careful. So you know, you know, in Harvard University,

00:36:39--> 00:36:50

correct me if I'm wrong, I'm okay to be corrected. In the Harvard University that in the Faculty of Law School, they have, if you can look, you can Google it. They have a whole area of the Quran

00:36:51--> 00:37:03

on the main entrance of the Law School, which they take pride in an area of the Quran, which talks about justice and fairness. It is so honored because they understand what it means.

00:37:05--> 00:37:07

Brothers and sisters, it's amazing.

00:37:09--> 00:37:14

But yeah, let me now move to the more simpler stuff. We all understand this part.

00:37:16--> 00:37:22

What if you owed Zakat, and you guys have never paid it? Let's say five years have passed, and you should have paid yours occurred and you didn't pay it?

00:37:24--> 00:37:41

Do you start paying now or do you have to make up for the five years that have passed? Let's say you, you've always had, you know, $100,000 in your bank, and it's been gone up and down a little bit 80,000 100,000 200,000 150,000. And then five years have passed, you never paid a cat for it.

00:37:42--> 00:38:03

This is a Debt Debt, owing to Allah subhanaw taala. And to the people who are supposed to have that 2.5% of your wealth. Allah says they have a right in that. And if you died with that debt upon you, you will be questioned and punished for it. If you knew and deliberately refused.

00:38:04--> 00:38:46

And your is when you die, people inherit you that property and that wealth left behind. It cannot be distributed to the heirs to your children and your spouse and your family. Whoever's has the right to it. Until if they know if they know that you haven't paid this guy for the last five years, they have to take out five years worth of zakat from that wealth that is left behind. No one touches it. And they give it to the rightful people as mentioned in the Quran. Before the money the wealth is distributed to the heirs. Did you know that otherwise, it's a debt on his shoulder Rasulullah sallallahu alayhi wa sallam did not praise and as a prayer on in his time on anyone whom he knew

00:38:46--> 00:38:51

owed, owed money or wealth or anything to anyone, knowingly.

00:38:53--> 00:39:10

Just him once the Sahaba died. And he asked, is there a date on your companion? And they said yes rasool Allah. And they named a measurement in that time in that it was called the tinnitus, which is equivalent today to about about $2,000 Australian

00:39:12--> 00:39:20

and he said Salah Adhikam he walked away and said, pressures on your brother and he walked away. Once the hobby, forgot his name. He said yeah rasool Allah.

00:39:21--> 00:39:22

Please

00:39:24--> 00:39:37

pray his Janessa and I will take care of his debts. He said, Allah says okay, so he prayed on him next day he said to him a Kobe tan Africa. Dana, have you produced Have you paid the debt of your brother? He said the Rasul Allah has just been yesterday

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

across the law Salem was so you know, insisting he wants you to pay it. A few days passes are Kadota Angelica Dana, he said yes Hirasawa now I've paid off his debt he said then earn about $1 He better that Allah he shoulda to Obara, Dolly he will do Ozel tattoo.

00:39:56--> 00:39:59

He said Now, his skin

00:40:00--> 00:40:02

has cooled down. Do you understand?

00:40:05--> 00:40:35

That's the depths of zakat, owing to Allah. Why is it going to Allah, Allah doesn't need it. It means owing to the poor, the needy and the categories of people. We're gonna go through the categories of who is entitled to yours. Okay, too. There are eight types of categories, eight categories of people and services that you can put your zakat into. So this is owed to them. It's a debt that's owing to people personally, also a major sin if you were able to pay it and you didn't. If you are not able to pay your debts, what should you do?

00:40:36--> 00:41:16

You should write a will. That's why we're the sisters. I wanted to talk about wills and inheritance because connected all the way because we got to hereafter we're going to be judged about our wealth. It's the most difficult judgement about wealth. Where did you get it from? How did you spend it? Did you produce its rights? Zakat? Abu Bakr Radi Allahu Allah on the first Khalifa, the companion of Muhammad sallallahu alayhi wa sallam, he waged war against a people who converted to Islam. And after the death of the Prophet sallallahu wasallam they refuse to pay the Zakat. They said, it's no longer needed because the Prophet died. They took away one pillar of Islam, he waged war and

00:41:16--> 00:41:18

considered them apostates.

00:41:19--> 00:41:26

That's how serious the cat is. It is what keeps the community going. In a western world or in a secular world, we have taxes.

00:41:27--> 00:41:35

And in other words, other countries taxes, the difference between the tax system, and the Zakat system is huge. I'll give you an example.

00:41:36--> 00:41:37

Let's say

00:41:39--> 00:41:40

you have a family

00:41:41--> 00:41:43

of six, seven children.

00:41:44--> 00:41:45

You're a hard worker.

00:41:47--> 00:42:09

You do day shifts, night shifts, or maybe you're just a hard worker in the day, you struggle to make ends meet. And you have a huge income, your salary is big. Let's say you have 200 $300,000 salary a year. But most of that wealth is going on the house. Go going on your family.

00:42:10--> 00:42:12

You know, for some reason,

00:42:13--> 00:42:14

it needs to be spent.

00:42:16--> 00:42:26

By the end of one year, you only have $10,000 saved? Do you pay 2.5% of the 300,000 salary or under 10,000?

00:42:28--> 00:42:35

No, you spent the 300 on your family? Do you pay on the salary, annual salary? Or do you pay on the annual accumulation?

00:42:37--> 00:42:55

The annual saved up you can earn a million dollars a year. But if you got spending money you've got you've got you know, expenditures and by the end of the year all you had left is $50,000. Do you pay 2.5% of the 1 million or the $50,000?

00:42:58--> 00:43:09

Come on guys been talking for half an hour about this 50,000 You pay on what you've saved? In the tax system? What do you pay on the 50,000? Or the million? The million

00:43:11--> 00:43:15

before you even get it? Before you got it? The tax is taken out.

00:43:17--> 00:43:23

If you earn over 100 grand, you got over what about 30 30% 34% or something?

00:43:24--> 00:43:41

30% 30 something percent of your wealth is taken out. In Islam. It doesn't work like that. It works with Okay, the wealth that you need, you need to spend it on your expenditures. After all that One year has passed. If you have saved up Allah says Pay 2.5% of that.

00:43:42--> 00:43:52

Amazing. Let's say you inherited let's say God forbid you and your person's family member died and you inherited a million dollars

00:43:55--> 00:44:02

and that million dollars stayed with you for a year. Do you pay 2.5% on that? Yes you do. Do you see

00:44:04--> 00:44:04

Yanni

00:44:06--> 00:44:08

it's a fair system that does not make anyone go broke.

00:44:10--> 00:44:27

There's even more as a Rebus system and there is the finance system and trade all of those big system in Islam that shows you how people don't go broke. It ensures everybody even if you go broke something else picks you up someone else because it's a beautiful system, the Islamic finance system if you apply it correctly.

00:44:28--> 00:44:31

Okay, let's move on brother and sisters. I want to tell you something.

00:44:33--> 00:44:34

The wills

00:44:35--> 00:44:41

it is so important. But also Mohamed Salah salem said the hadith is in Buhari. He said it is a duty upon every Muslim

00:44:43--> 00:44:51

to not let two nights pass without keeping their will updated. It's not compulsory. It's recommended.

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

Especially for people who owe debts and especially for non Muslims and sorry for

00:45:00--> 00:45:01

all newly

00:45:03--> 00:45:07

reverted or converted Muslims whichever word you like. So new Muslims

00:45:08--> 00:45:10

or people who converted to Islam

00:45:12--> 00:45:21

especially here in the in the West, and if you have debts, why we understand why debts and for the people who converted to Islam

00:45:23--> 00:45:27

here in this country for example in Australia we've had this problem before

00:45:28--> 00:45:34

their next of kin has the power of attorney over their wealth, their property and even their burial.

00:45:36--> 00:46:02

And unfortunately we've had some of some sisters some brothers I knew personally knew us years back and recently who converted to Islam. They passed away Rahmatullah I lay him Allah have mercy upon their souls, and they had no will or anything legal for us in the mosque in the masjid, to bury them the Islamic way, or to deal with their property according to Islamic inheritance.

00:46:04--> 00:46:15

And so, either their parents we had once a brother who converted from Hinduism is back good friend of mine, but amatola Allah, he passed away.

00:46:16--> 00:46:47

No will his parents cremated him his property? Allahu Allah Marie went we had another sister we tried we tried her father came sought some help her mother didn't want it. non Muslim. But unfortunately, the Lord gave it to the mother. The mother cremated her daughter she was an atheist and the daughter she told us please take care of you know, I'm a Muslim oh and her father told me this is what my daughter left but he wasn't wasn't illegal will.

00:46:48--> 00:46:57

And I advise everyone if you know that you have family is non Muslim. Please do illegal will here in Australia. We have brother here you're a lawyer to vertical law brother.

00:46:59--> 00:47:00

Fatmir

00:47:01--> 00:47:03

we have Muslim lawyers that can advise you inshallah.

00:47:05--> 00:47:14

It's important to leave a legal world because that's the only illegal way that we can fulfill your legacy insha Allah and Islamic way.

00:47:16--> 00:47:40

I'm going to quickly tell you what inheritance is and then we'll stop inshallah. Brothers and sisters, there is a verse in A or in the Quran surah Nisa, a few AR, which is about half a page, which sums up how inheritance is distributed in Islam. It is a major sin, major sin, to deny any of your rightful is

00:47:42--> 00:48:31

any inheritance or to specify or limit how much each one gets. You can only do it the way the Quran says. Every person has an amount. If and it depends on the situation. It depends on the circumstance. And Allah says in the Quran, he makes a very big warning. He says these are the boundaries of Allah. Don't you dare cross them. Boundaries is this is one of the strongest warnings that Allah puts these are the boundaries of Allah and he says, Do not cross them. I warn you not to cross the boundaries. Inheritance is there. You might not know what the inheritance is. So seek advice from scholars Muslim organization, mosque, have a connection with them. If a person passed

00:48:31--> 00:48:56

away, sit with them. We have the board of Imams we have the strand national Imams Council, we have Islamic organizations everywhere mosques with Imams there, you can always sit with an imam. And first of all think about what the inheritance should be. We don't follow with inheritance. The Australian legal system the Australian English system allows us to leave wills behind but if we don't leave a will behind it's going to be dealt with the Australian legal way.

00:48:57--> 00:49:16

But if you write a legal will the Australian legal system allows you isn't that right luckily for me it allows you to go by what you have left it doesn't matter they don't care. So long as you signed it you agreed it's all your power of attorney you go power of attorney to someone it's very important brother and sisters, you know, some of you have have water called them

00:49:17--> 00:49:31

superannuation, your work and you have superannuation, what's going to happen to that superannuation make illegal will about it. Who's gonna who's the next who's the power of attorney who's next of kin? Who's gonna take that? Are these all important brothers sisters, so the inheritance

00:49:33--> 00:49:37

the next of kin, the person you whether it's your father, your brother, your your wife, your husband, your

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

child, make sure that they understand it has to be divided in the Islamic way. I'll give you an example of inheritance.

00:49:48--> 00:49:52

Let's say that you have

00:49:54--> 00:49:56

a son and two daughters

00:49:57--> 00:49:59

and you have a

00:50:00--> 00:50:00

wife,

00:50:01--> 00:50:02

and a mother and father.

00:50:05--> 00:50:22

If you died, and you're left behind an amount, you got to see is their debt owing give it is there's a cat owing, give it, if you've left a will saying I want to donate part of the money, you have to donate that part first, B can only donate a

00:50:24--> 00:50:32

third, not more than a third, you cannot write in your will more than a third to donate. The rest of it has to be distributed in the following way.

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

To your

00:50:38--> 00:50:41

father and mother as six each

00:50:42--> 00:50:43

one six,

00:50:44--> 00:50:46

to your wife, and eight.

00:50:47--> 00:50:52

And the rest of it to your son, double the share of each Gill.

00:50:55--> 00:51:06

Now you might say this is a misunderstanding. It's not about a gender thing, guys. You see, father and mother, the mother is female, the father is male, but both of them got equal shares.

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

It's not about gender.

00:51:10--> 00:51:16

Yes, the daughter got less than the boy, yes, your wife got a little bit less than your father or your mother.

00:51:18--> 00:51:22

But you got to look at the inheritance system as a whole system.

00:51:23--> 00:51:59

There are situations where the wife gets more, there are situations where the daughter gets more. There are situations when your mother gets more, there are situations where none of them get anything and it goes to your grandparents if they're still alive, or your grandchildren or your uncle's or your aunt or your brothers and sisters. It depends on the situation. I'm not going to go into too much detail, but I'm telling you it's a whole system. And the reason why it's been divided that way is because of how Islam puts responsibilities on duty and duties on each different person in the family with that wealth. I'll give you an example. Why would the girl get less than the why

00:51:59--> 00:52:24

would the daughter get less than the son in this situation? Well, because in Islam, it is a compulsory duty upon the males, the men of the family to spend from the finances from the wealth on the women who are in need in their family, on their sister, on their daughter, on their mother, on their wife,

00:52:25--> 00:52:54

unless they're not in need. Another example is that the women in the family are Muslim woman. There is no financial obligation from her in anything. Anything she keeps the wealth and that's it. But that double that the boy took there is from that there is a duty as he grows up a duty to when he gets married a duty to his sister a duty to his children a duty to his parents. The male has to do that the men, not the Gil.

00:52:55--> 00:53:04

Another example is that when you get married, there is a dowry. Well, there is a wrong word. It's called a Maha bridal gift that is compulsory, the husband has to give it to the wife, the wife doesn't have to give

00:53:05--> 00:53:23

to him. Shouldn't there be fairness then we say instead of the word fairness, we say equity to put everything where it belongs. So you got to look at the duties and responsibilities. And you look at who gets what, in shares. Everything is balanced that Islam financial distribution is balanced.

00:53:24--> 00:53:30

In a nutshell, do you understand what I'm saying? Alhamdulillah Alhamdulillah.

00:53:32--> 00:53:38

So brothers and sisters, the inheritance system is a compulsory system in Islam very important.

00:53:40--> 00:53:58

And I cannot stress how important it is for us to have a connection with an organization. Imams, people who know or even study it yourself if you can. And make sure to write a will if you know that your inheritance is going to be dealt with in the wrong way.

00:53:59--> 00:54:08

I stress again for people convert to Islam, you haven't got a next of kin who is Muslim. Please write a legal will. Don't just go and write on a piece of paper. You got to make it legal.

00:54:09--> 00:54:14

All right, brothers and sisters. I'll stop here now in sha Allah and if there are any questions

00:54:15--> 00:54:18

I'll be happy to answer them if I can only be learned

00:54:25--> 00:54:58

sister is asking how can you make up for missed zakat? If you don't know how much it was? It's a very simple answer. First of all, estimate, estimate how many years you best think have passed. And it doesn't matter if you make a mistake. If you think that you're more likely six years than five years, then do as a guide for six years. If you are sure it's five years, for example, do for five years, if you don't know how much it was estimate to the best of your estimation. That's all

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

and I

00:55:00--> 00:55:18

ask Allah to forgive you for the shortcomings. Allah says in the Quran, Allah you can live Allahu nevsun Ilsa, Allah does not place a responsibility and duty upon any person more than what is within its capacity.

00:55:19--> 00:55:23

And part of that is estimation. You can't be perfect. Now

00:55:31--> 00:55:47

if you're saving up to buy a house in the future, do you have to pay zakat on that saving brother Fatmir knows, masha Allah, the inheritance system? The lawyer, sorry, I said it three times now, four times. Fifth time. I told you the lawyer Michelle at six times.

00:55:51--> 00:55:59

So, yes, yes, that savings that you have, if one whole year has passed,

00:56:00--> 00:56:04

and it is above the threshold, the nisab, which is who contend with the nisab was

00:56:06--> 00:56:35

85 grams of gold, but we refer we prefer to go by the silver amount, which is 858 grams, which is about in Australian dollars, about $500. If you go by the gold, as Rutherford Mueller said, it'll be about $4,700. But it doesn't matter, because $100 difference. So if it's above the nisab, so if it's above, let's say, $500, let's go buy the lesser amount. And if you've had it for one full head every year, you have to pay 2.5% of that, even if you've saved that up for our house. You know why?

00:56:36--> 00:57:19

We don't know if we're gonna live till tomorrow. We don't know if we're ever gonna buy this house. Is that right? We don't know. But once you bought this house and you had it, then you don't have to pay zakat anymore because you need it for your livelihood. 2.5% is nothing brothers and sisters, a very small amount, very small amount and Allah Allah says, Whatever you give of goodness, Allah will compensate you. But also our Salam said ma na casa nadelman sadaqa wealth has never diminished, because of sadaqa nobody ever lost wealth and and became poor, because they gave charity. Nobody ever lost or became poor because they gave charity nobody. They made it because of poor decisions.

00:57:20--> 00:57:24

Because they wasted because they love it. They

00:57:25--> 00:57:32

What's the word for it? They want to be you know, they will live a luxurious leveraging life and they lost it not because of charity.

00:57:33--> 00:57:39

Okay, that's all I'll say about that. I think Brother, maybe before you go, Amen. Yes. Tada. Yes, yes, yes. Yes, brother.

00:57:42--> 00:57:45

For payments, the four types, four types of wealth.

00:57:49--> 00:58:15

Brother is asking remember how I said there are four types of wealth that you pay zakat on, brother is asking is either one or all of them, all of them, whichever ones you have, if you have savings of this much, and you have cattle and sheep of this much, and you have stock, you have a car yard and you've got this many cars, and you have a farm that you're harvesting. Each one of them has its own zakat, because you know why brother?

00:58:16--> 00:58:20

If you have four types of wealth, do you have do you have profit

00:58:21--> 00:58:22

from either or all

00:58:24--> 00:58:32

you're gonna get profit from all of them. So you have to pay zakat on all of them. As you receive you have to give. Does that make sense?

00:58:36--> 00:58:37

Amen, if you don't mind,

00:58:39--> 00:58:44

you have a property. You have a property house you rent it out. There's a cat that you pay

00:58:45--> 00:58:46

is from

00:58:48--> 00:58:55

the not the house. Just the amount of rent you saved up for one year.

00:58:56--> 00:59:04

That rent you took stayed with you for one year. If it's more than $500, you pay 2.5%.

00:59:06--> 00:59:10

You sell the house? No, you don't pay any zakat on that.

00:59:11--> 00:59:44

You don't pay zakat on the house that you sell. So you bought a house you wanted to sell it, but instead you rented it. You don't have to pay zakat on the house anymore. You just just the amount of rent you got for a whole year. If you still have it if you still have it. If I got $20,000 rent, and I still have all the 20,000 for one year, I paid 2.5% of 20,000 but I don't pay zakat on the house. Then I sold the house. I didn't pay zakat on the selling. No. Because I use the house I'm renting it. That's what Islam encourages you to work things.

00:59:46--> 00:59:50

Yeah, if you have the house by itself and you don't rent it,

00:59:51--> 00:59:54

just the one year you pay on the house

00:59:55--> 00:59:59

unless it's used. This occurred is on el mal Medaka

01:00:00--> 01:00:25

I saved up wealth. That's it. Let's say you had $100,000. This year, one year past, you pay 2.5%. The following year, you have a little bit less, you have 2.5% less, you pay another 2.5%. Now you have 5% less. Now, the third year, pay another 2.5%. That's why Islam encourages us to work our money. Keep it going not to save it and keep it there.

01:00:27--> 01:00:39

Now, you get it. You Bilal has a question from the internet. Yep. So let's say the sister is asking if I have money in custody of someone else.

01:00:40--> 01:00:43

Let's give an amount $10,000.

01:00:44--> 01:00:45

Someone borrowed it from me.

01:00:47--> 01:00:55

Or it's in the custody, or it's in the bank. Okay, someone's got it. And I'm waiting for them to give it back.

01:00:57--> 01:00:59

If I know the amount,

01:01:00--> 01:01:02

and there is a scheduled date,

01:01:04--> 01:01:09

and one year has passed, I pay zakat on it. Why? Because I know the amount.

01:01:11--> 01:01:12

I know who has it.

01:01:13--> 01:01:18

I know that it's coming back to me. And there is an agreed date.

01:01:21--> 01:01:22

I gave brother

01:01:23--> 01:01:25

Ramadan. $10,000.

01:01:27--> 01:01:28

Ramadan supposed to give me the money?

01:01:30--> 01:01:30

Eight months later,

01:01:32--> 01:01:46

eight months comes up. Ramadan says I've had a rough time. Can you give me more time? I'll give you another four months. In four months, guess what? One year has passed? Isn't that right?

01:01:47--> 01:01:48

I have to pay zakat on it.

01:01:52--> 01:01:53

All right.

01:01:56--> 01:02:04

Now, if I don't have the funds to pay it, then I record it. And I make a will. When I once I receive it, I produce it

01:02:09--> 01:02:17

was gonna say Subhan Allah. But if I gave Ramadan, the $10,000 and Ramadan left the country. He did a runner on me.

01:02:18--> 01:02:30

Or he left and he intended to come back. But I have no news of his whereabouts Allahu Allah. And what happened to him? I don't know. And I didn't hear from him. And the date is gone to a place like Atlanta.

01:02:32--> 01:02:33

No.

01:02:34--> 01:02:44

The conditions are I must know the amount. I must know who it's got it. I must know that it's coming back to me. And I must have an agreed date at least then this occurred is June. But if I don't know,

01:02:45--> 01:02:53

I mean big. I don't know if it's going to come back to me or not. I have no communication. I've no contact anymore, then I don't pay zakat on it.

01:02:54--> 01:02:55

Is that clear?

01:02:56--> 01:03:13

Another question now I'm beloved to mark della trouble. Let's go. Ah, easy question yet. So if you don't have any assets or, or money for a full year, can you still pay zakat? Or is it considered the lesser charity, which is called sadaqa? The answer is it's considered sadaqa.

01:03:14--> 01:03:21

And sadaqa, you get rewarded for it too. But sadaqa is a voluntary, so you can pay as much as you want, as you wish.

01:03:24--> 01:03:40

Last question from the sisters, and we'll go to the brothers now. It's a good question. Does the ruling of inheritance apply to family members who are non Muslim? Or is it just the Muslims? It is a unanimous agreement among the scholars in our Sharia that it is only to the Muslim,

01:03:41--> 01:03:44

the non Muslim does not inherit the Muslim. And guess what?

01:03:45--> 01:03:48

The Muslim does not inherit the non Muslim.

01:03:49--> 01:03:51

However, however,

01:03:52--> 01:04:13

if there is a benefit, like in Australia, in a country where a Muslim is doing it hard, they don't have family. And you know that wealth will help them get along in life. Or even because they're Muslim, they want to benefit as Muslims in a land where they don't have the Islamic legal rights, Islamic legal rights.

01:04:14--> 01:04:24

The scholars said that they can work around it, they can get to their parents to write a will to include them in the inheritance.

01:04:25--> 01:04:25

A will.

01:04:27--> 01:04:59

So you know how in Islam, you can't write a will to say who gets what inheritance, you can't do that. But if you're still living, and you wrote a will and you want to give from your property to someone, you can up to a third. So that person can take it if and I urge again. That's why legal wills are so important. Legal wills are so important. And there is a minority of scholars they say, well, Muslims living in non Muslim countries. They let

01:05:00--> 01:05:04

Some Islam some financial rights that would have been for them in Islam.

01:05:06--> 01:05:45

Right because of the community because of the legal system in an Islamic state country. Then they scholars, they said it is better that this Muslim takes from it but not more than a third and uses it for their own strength in their own help. Now brothers and sisters, then another question, Billund. Yeah. If somebody has left behind a will to say that my I want to give all my inheritance in sadhaka in charity, so no members of the family who our rightful toilet can take any? The answer is no. This is haram. And should you carry it out? No, you don't. Because Allah says because

01:05:46--> 01:06:01

Ross also as Adam said, Lautaro utterly mahalo can female co2 Holic there is no obedience to creation, if it means disobeying the Creator, that money that wealth, we shouldn't use money, that wealth and property that you left behind. What Who did we say returns back to?

01:06:02--> 01:06:04

Who does it belong to?

01:06:05--> 01:06:06

It belongs to Allah.

01:06:07--> 01:06:24

So after your death, you have no more you're not Guardian over that wealth. Who has the who has the only right to tell us what we do with that wealth? Allah and he told us, there are members of your family who need that money.

01:06:25--> 01:06:30

A man What was his name? Sahabi. I'll just say it very quickly.

01:06:34--> 01:06:51

South of No, Abby, what costs are the hola Juan great companion, one of the seven one of the 10 promised paradise. He came to the Prophet sallallahu Sallam before his death and he said, Yeah, rasool Allah, I want to pledge all my inheritance for Serbia, to the poor and the needy and so on. Also, Selim said no.

01:06:52--> 01:06:53

He said, What about half?

01:06:54--> 01:07:36

Actually, he said half he said, No, not half. He said, What about a third? He said, a third is the absolute maximum. And no more like even one of them less. And then he said, then your family, your wife, your children, your relatives, they're going to come to me saying we don't have any welfare Rasul Allah, do you have any donations for us? Is that what you want? Your Sadie said, No. He said, As Allah says, In the Quran, Allah said it in the Quran, that the inheritance is for the next of kin, the family because you're not allowed to leave them without wealth. Your your family are the ones who are who need your wealth. Because let me tell you, I didn't mention this before. You know

01:07:36--> 01:07:56

he was a cat. It's not allowed to be given to people who are dependent on your direct family. You can't give zakat to your wife, or husband. You can't give zakat to your children. You can't give zakat to your mother or your father, your parents. You cannot give zakat to your grandparents, or your great grandchildren or your grandchildren.

01:07:57--> 01:08:39

You're not allowed to give zakat to those people why? Because you are obliged to spend on on them on a normal basis. There's a cut of the people who are not obliged to spend on them. So imagine this person doesn't pay zakat to them. Probably maybe they didn't even pay sadaqa and then they inheritance they give it to everybody, everyone benefits except the people who who don't have anyone to help them. That's the objective of it, is that Allah doesn't leave your family left like that. He said, Leave it for your family Assad. Okay. I didn't mention the eight categories of people who are allowed to receive zakat, but we're gonna leave that now inshallah we'll just say the poor and needy

01:08:39--> 01:08:51

in the way of Allah subhanaw taala. We'll just leave it at that. Oh, good. Yeah, well, do you have to pay zakat on your super and your tax? If you know what your Superannuation is,

01:08:52--> 01:08:54

and one whole year has passed.

01:08:56--> 01:08:58

You do not have to pay zakat. I'll tell you why.

01:08:59--> 01:09:04

You don't pay zakat until the money is in your control, or your possession.

01:09:05--> 01:09:14

Superannuation is not in your possession and it's not in your control. Can you request to superannuation right now at any time? No, you have no possession or control over.

01:09:15--> 01:09:32

You can say where you want to invest it. But you don't know if you're gonna live to take that superannuation. You don't have control over it. You don't have possession over it. You haven't given it in debt. Like as you don't have control, nothing, no say in it. So you don't pay zakat on your superannuation.

01:09:33--> 01:09:57

On your tax. No, you don't pay zakat on the tax because that tax is no longer in your possession or control. Now if you get tax return, then from the day you receive the tax return you count one year if you still have it, and it's above the nisab you calculate all your wealth and you pay 2.5% Easy. Yeah, so I answer the question for income tax. Income tax. We are talking about

01:09:59--> 01:10:00

tax on property Okay.

01:10:00--> 01:10:01

Have you sold

01:10:05--> 01:10:21

Yeah, know that if you sell a house or property and you got to pay tax on it, that portion of the okay so that portion of the tax is already set for the government. So you pay the tax you pay the Zakat.

01:10:23--> 01:10:26

You actually don't even pay zakat on any profit of your house at all.

01:10:29--> 01:10:57

You pay you pay zakat when one whole year has passed on the savings of that profit. Yes you can because that tax money yeah that that tax money is not your it's just with you for the time being but it's someone else's, it's the government's even if it's with you, you don't pay zakat on it but it's not your it's not in your possession or control anymore. And you can control it, but it's not yours. It's the government you don't pay zakat on that is similar to superannuation.

01:10:58--> 01:10:59

Same concept.

01:11:01--> 01:11:03

Yes. Ramadan and then brother over there.

01:11:04--> 01:11:05

Ramadan

01:11:08--> 01:11:08

Yes.

01:11:13--> 01:11:14

If you write an Islamic will

01:11:16--> 01:11:19

the IRS contest it?

01:11:20--> 01:11:22

Can I contest it according to Islamic law,

01:11:24--> 01:11:25

or in secular law,

01:11:26--> 01:11:40

whether they contest that if they contest the Islamic law, they're not going to get anywhere. Because if there's a judge in Islamic court, they're going to tell him, No, the Quran we go by that if they contest then the secular law, it's a major sin major,

01:11:42--> 01:11:49

unless they're contesting after seeking the advice of the scholars and knowing that according to the Quran, it was unfair.

01:11:50--> 01:12:29

But if they know that it's been distributed according to the Quran, not according to their whims, they got to ask the scholars not me interpreting my verses as I wish because a lot of trouble happens inheritance, it's it's it blows your mind away the amount of conflict and enmity that happens Subhanallah because of money inheritance, so when we use the secular law, legal system, thinking or believing that we are going to or intending to get something that the Quran told us is not our writing inheritance, it is a major sin. Major. It's one of those things which Allah has warned very sternly in the Quran.

01:12:30--> 01:12:31

Haram

01:12:33--> 01:12:35

so don't do that brother and sisters.

01:12:37--> 01:13:20

I think Brother I've had the I skipped him. Brother is asking is it better to pay zakat locally or internationally? Honestly, Zakat is wherever it's most needed. So you got to estimate if you think that locally, there are people in need, it is preferable to pay for the people who are closer to you. Yeah, and your relatives, your family, your neighbors, if they are truly an aid, let's say I'm living in Lebanon, all my neighbors around me, I don't even have to go outside of just you know, not even 200 meters and my circuit has already distributed. So I give as a Rasul, as the common principle in Islam is Allah carbona. Allah will model the principle is the ones closest to you in

01:13:20--> 01:13:22

relationship and even

01:13:24--> 01:13:29

even that the neighbors, they are more worthy of the rights from you.

01:13:33--> 01:13:59

Yeah, both. So relate, okay, so if they're related to you, and locality, it becomes even even more preferable. So let's say you have a neighbor who is also your relative, they come first. Let's say you have a neighbor, but he's not your relative but your other relative is more in need than your neighbor you give to your relative. But if your relatives are okay, and you have friends who live a little bit far but you have friends but you have neighbors you give to your neighbors if your neighbors are in the category of poverty.

01:14:03--> 01:14:15

Know your siblings have a right to zakat. They are not you Okay, so I'll tell you again, the ones that you are allowed, you are not allowed to give zakat or the following your mother father, your children,

01:14:17--> 01:14:21

your grandparents, and above your grandchildren and below

01:14:22--> 01:14:24

your wife, if we're talking to you, brother.

01:14:27--> 01:14:38

These are the people in general who you're not allowed to give zakat to ask for the rest of your uncle, your aunt, your siblings, your cousin's your sister, they are entitled to zakat.

01:14:41--> 01:14:51

Siblings entitled to receive zakat now speeding fines Yeah, of course, the fines the ramp has a cat on them because they're no longer yours there for someone else.

01:14:53--> 01:14:56

Oh, as a debt or finds a debt.

01:14:58--> 01:14:59

Yeah, that's a good quote.

01:15:00--> 01:15:08

Certain, I'm not sure but it's not. It's not according to the classifications of the Islamic principles. It's not a debt. It's a fine. It's not classified as a debt.

01:15:10--> 01:15:29

No, no, you don't pay on any profit. Zakat is not given on profit. So God is given on savings after one year. And that's it. I can make a million dollars tomorrow. I don't pay any zakat on net profit. But if that million dollars stayed with me from tomorrow till after a year, I pay zakat on it

01:15:34--> 01:15:34

now

01:15:38--> 01:15:42

Yes, including the capital now, all of it.

01:15:45--> 01:15:45

Well, yeah.

01:15:48--> 01:16:04

So with shares, you count from the moment you put the shares in, go, shares shares, you put it in, let's say, I won't name any companies here in the masjid. So you give invested in shares any shares songs, as Helen

01:16:05--> 01:16:07

says, Harlan, from the moment you put the shares in,

01:16:09--> 01:16:12

and it's above the nisab. So if you put $1,000

01:16:13--> 01:16:20

you count one whole year passes, count how much you still have in the shares.

01:16:21--> 01:16:24

How much have you got? You pay 2.5% of that?

01:16:25--> 01:16:39

Yeah, just what you put in, not the profit, just what you still have after one year. So it goes up and down, up and down, up and down, up, up, up? Down? One year? Where is it? Where is it? Yeah, on the due date?

01:16:42--> 01:16:46

No, it's nothing to do with the profit. It's just got to say after one year, how much have you got?

01:16:48--> 01:17:09

How much have you got in your possession that so those shares, you're able to take them out? Isn't that right? Anytime, so long as you can do that. It means they're in your control and possession for 2.5% After one year? If you don't know we said that before. If you don't know. Yes, yes, yes. If someone who owes you money, you don't know when they're gonna pay? You don't know.

01:17:11--> 01:17:29

You don't know. If you know that it's gonna be paid to you. Then you pay zakat, but if you don't know if he's ever gonna give it to you or not. You don't pay zakat. You gave him You said Don't I know you don't pay zakat on that anymore. Hello, so it's no longer yours? No, no, no, no zakat. No. How do you determine who needs this?

01:17:31--> 01:17:42

Yeah, without embarrassing and it is true. It's the scholars have spoken? That's a very good question. Scholars have spoken about when you give zakat to someone or sadaqa. It's preferable not to let them know.

01:17:44--> 01:18:20

Like you personally to come and give it to them. Give it through someone else. Because you don't want to embarrass them. That's number one. Number two, how do you know who needs this look at well, that's based on your own research. You ask people that you trust, if they tell you so and so. And you give it to them. You've done your second use the cat is off your shoulders. Now if they had lied, they had lied, or something. It's not your fault. That's their business between them and Allah. It's not your duty to find out if they're lying to you or being honest, your duty is to ask people you trust. And I advise people the only if you don't know people you trust you don't have

01:18:20--> 01:18:22

much connections, go with Islamic organizations that are

01:18:24--> 01:18:32

registered, you know, through a mosque or through charity organizations, at least you know, the and even so,

01:18:34--> 01:19:10

in the Quran, one of the eight categories of people who can receive the Zakat are the collectors, the ones who manage the Zakat, you know, charity organizations, they manage it, they're allowed to take zakat themselves to from that money for their wages, they pay going and coming they're allowed. Why? Because Allah wants the Zakat to continue. If the distributors over take time off their family and their life and they can't get anything, then Allah subhanaw taala then what's going to happen is that as a CAD system is going to start failing. So Allah subhanaw taala says, Even we'll call Amina Allah, it's in the Quran and those who

01:19:11--> 01:19:38

are managing the charity work. Now, whether they're honest, whether they're not honest, is not my business or yours. We are not responsible to find out who lied to us and who didn't they even lied to the prophets and OLALIA was Sunday. And he used to say to them, Listen, I will do based on my trust in what you're saying, if you are lying to me, then you are just using me to help you earn a place

01:19:40--> 01:19:47

in the fire. It's like I'm feeding you fire. It's not my fault. It's your fault. And that's what Islam asks you to do. In sha Allah.

01:19:48--> 01:19:57

Now, so the people entitled to zakat anyway, the poor, the poor people are the ones who do have an income, but it's not enough

01:19:58--> 01:20:00

for them or they find

01:20:00--> 01:20:30

Normally, the needy, the needy people are usually people who have gone through situations in life, Operation Car accidents, bankruptcy, something like that. And then ad circuit is allowed to them, but they don't have enough they have some money but they don't have enough for the, you know, day to day living. The third type of category that is a cat is allowed are the collectors of the charity. The fourth one's

01:20:32--> 01:20:36

the person who is a Wayfarer, a traveler who has no home

01:20:37--> 01:21:02

or homeless person. The fifth person is are those helping to free slaves wherever you know if there are if there were slaves and you gave your zakat to free them. That's another way. Number six is fee sebelah. In the way of Allah, what is in the way of Allah, in simple terms, any program, Project Service

01:21:06--> 01:21:07

Organization,

01:21:09--> 01:21:19

people who are doing things to protect the Muslim community, or to protect Islam,

01:21:20--> 01:21:37

against someone who is attacking it, only attacking it, meaning they're attacking the Muslims and Islam. Obviously, you know, the bad people. So you can give zakat to make sure that Muslims are protected genuine Muslims.

01:21:39--> 01:21:41

There's also the one called

01:21:43--> 01:21:44

Sophie Sevilla,

01:21:46--> 01:21:48

anything that helps

01:21:49--> 01:21:51

the services for Muslims

01:21:52--> 01:21:53

other than

01:21:54--> 01:22:16

so services for Muslim not services sorry, anything that helps educate them, to propagate Dawa, to talk about Islam. Like for example, let's say there are some people that go out, and they got Quran with them. Most hops, and I give to the people, they talk about Islam, you're allowed to give them zakat. Why? Because they are helping to strengthen Islam.

01:22:17--> 01:22:19

Another one is,

01:22:21--> 01:22:33

what is it? Though Alhaji mean the ones who are in debt, someone is in debt, unable to pay off their debt you give you as a carrot to them to pay off their debt. That's also permitted and Hamdulillah.

01:22:34--> 01:22:56

And last one, well, more or less at equilibrium. I left this to the last because it's it concerns us those whose hearts are inclined to the Muslims and to Islam. What does that mean? Scholars differ a little bit on it. But I'll tell you, what, insha Allah, the the correct? Well, what the majority of scholars agreed on, they are

01:22:57--> 01:23:01

people who have converted to Islam newly.

01:23:03--> 01:23:29

Why? Because usually people convert to Islam. They have trouble transitioning from their old life. Some of them, their parents threaten them. Some of them their family isolates them, they take away their rights, some of them become homeless, some of them have a very hard time they get abused. So even if they have wealth, you can give them zakat. Why? To make them feel that they are part of our community and we are here to support them.

01:23:31--> 01:23:57

Not because they're poor or poverty, but they're struggling because they converted to Islam. The other ones, some scholars, they said, those who are not Muslim, but you can tell they like Muslims, and they have a liking for Islam even and they're actively working to promote and protect and to help Muslim services and Islamic services.

01:23:58--> 01:23:59

If they are

01:24:01--> 01:24:14

even if they got wealth, sometimes they're not employed, that's just out of their own voluntary will. You can give them the Zakat that's according to one group of scholars talking about the school of thought of the I think it was the humble isn't a Sheffield's.

01:24:18--> 01:24:23

So these are the types of people more or less at the coloboma, whose hearts are inclined to the Muslims and Islam.

01:24:24--> 01:24:32

Brother is asking good question I liked that question. says let's say there are needy people, and I want to pay two years in advance of my zakat.

01:24:35--> 01:24:39

You can give that two years but it's not considered zakat. That second portion is sadaqa.

01:24:41--> 01:24:59

Why? You don't know what's going to happen next year? Allahu Allah is not right. Example, just one example. If I said okay, this year, there's a lot of needy people. I'm going to give my zip code for this year and as I get for next year, there are a few problems number one, what if I died next year? I've taken the rights of my

01:25:00--> 01:25:02

is giving it to other people.

01:25:03--> 01:25:25

My children, for example, they have a right to my inheritance, but I really gave it last year in zakat. It's not considered zakat, because now I've taken away that right for another for another thing that I Jonnie, Jonnie, have called it as a cat but it's not zakat. This is compulsory. That's compulsory. I cannot replace a compulsory with a compulsory that can't override, but I can give sadaqa voluntary.

01:25:26--> 01:25:39

Another problem is I may, I may become I may lose my money next year, I may lose my job I may, some tragedy may happen. God forbid I need that money. And Allah Subhana Allah tells you to look after yourself.

01:25:40--> 01:25:52

Okay, so if you want to give more than there's a cat that you owe more than as a gift that you owe, you cannot count it as zakat. So you're not off? What if next year, you earned more money than you expected?

01:25:54--> 01:25:55

You pay the difference, but

01:25:56--> 01:26:09

the conditions have to be the following. One holier has to pass has to be above the nisab and you have positional control over it. That hasn't happened yet. So it will always be sadaqa it will never be a cat according to the Islamic ruling.

01:26:10--> 01:26:12

So don't do that. If you want it'll be sadhaka

01:26:14--> 01:26:14

Yeah.

01:26:16--> 01:26:54

Okay, my brothers and sisters, may Allah Subhana Allah reward you. There are a lot of there are a lot of questions about this topic. And I can go on and on actually there. It's huge. But I hope in sha Allah we talked about at least the basics that we can use in our lives. I'm sorry if I've got a bit too complicated in some places, but inshallah I hope the main message has reached us and we know what to do, at least at a minimum. Are you kind of satisfied? Give it a five out of 10 If you're a five out of 10 You're done well, inshAllah 10 out of 10 100 Thank you my run sisters was salam aleikum wa rahmatullah Subhanak llama