How do I calculate my Zakat – Workshop with

Hacene Chebbani

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Channel: Hacene Chebbani

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AI: Summary © The importance of Islam is discussed, including its five pillars, its definition of SN, and its importance in driving wealth. Personal obligations and managing finances are emphasized, along with avoiding loan debt and investing in education. The importance of graduation is emphasized, along with avoiding high interest rates and being a source of pride for society. The speakers emphasize the need for graduates to have a positive and successful graduation experience.
AI: Transcript ©
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hamdu Lillahi Rabbil Alameen wa salatu salam ala Shafi mousseline Sydenham Humberto early he was such a huge man. To begin with, I would like to talk about the importance of zakat. Everyone knows that it is one of the five pillars of Islam 80 days before us allah sallallahu alayhi wa sallam passed away she really came to him in the shape of an unknown man and asked him for questions about Islam Eman and SN and he asked him about the our, the famous Hadith that is called the hadith of Gibreel. The old man he said it is the most important Hadith in the Sunnah of Rasulullah sallallahu alayhi wa sallam, wouldn't you Jabril asked him about Islam. He mentioned that Islam is composed of

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five pillars, and Zakat is one of them. So these are the most important things in Islam that you need to pay attention to as a Muslim, shahada, Tane, Salah, Zakat and hedge CF and the six pillars of faith and the definition of SN and also the matters related to the hour or the signs of the hour. You need. It's part of our deen too. So all these four questions are really important because as I said, You Bri came to us, Allah says LM at the end of his life, it's like a take home note or like a summary of this religion. Gibreel came for a reason. And the reason here that Muslims pay attention to these things, these are the most important things in your life as Muslims, and one of them is

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zakat. Allah subhanho wa Taala always linked the establishment of Salah with zakat will appear more solid will add to zakat in one ayah. He said the Lavina in Makkah, now fill out of the autonomous salata will add to the cat will Emma will get him out of it. He said Allah subhanaw taala talking about those who deserve victory. Those who deserve victory if we give them victory, we give them victory and we've enabled them to have you know to have power in the land they do what the first thing they do is they establish the prayer number two he said they give the Zakat and the Morona in Monrovia and the the joint what is good and the forbid what is evil, the enjoying what is good and

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forbid what is evil. But these are the qualities of those who deserve Allah support. One of them is giving zakat or taking care of the establishment of zakat at the time of Rasulullah Selim.

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It was done by the state, the state was taking care of this department of zakat they had people employed, they were paid through this department that used to collect the cat they used to identify people who need zakat, or how from the Zeca. department and, and he was taking care of it at the time of the whole effort or actually didn't same thing. But nowadays, you as an individual, you have to take care of that. You need to take care of your security, you need to calculate your wealth, and know how much you have to pay and you try to give it to the people who deserve it or to the right. The people who deserve the cat or an incident could be people could be individuals could be an

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organization.

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Now,

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what is the punishment of those who do not pay the catch are those who deny the obligation of zakat. If anyone denies the obligation of second someone says I don't believe that they can it is an obligation. No one can tell me what to do with our money, right? It's my money. I earned it with my with my efforts with my skills, and okay, tell me what to do with my money. I don't believe it's an obligation he becomes a Kaffir.

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Why? Because he will be denying one of the basic obligations of this team. Unless they said if he's a new Muslim, and he doesn't know, he's a new Muslim, and he doesn't know that the cat is obligatory, or someone who lives in remote area in a village. They don't have an imam. They don't have access to scholars. They don't have access to authentic knowledge. And he was not aware he didn't know that their cat who has an obligation that this person could be excused on the Day of Judgment. But if he knows he knows the Quran, he has access to knowledge that a hadith and he knows I mean, this is basic knowledge here. Hornaday is a Marilu Moon Mina Dini bizarre aura what is Matt

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Lumina Dean but the Rura that every Muslim is aware of these basics that how Zina is haram. She is lying is haram praying is offering the five daily prayers is a basic obligation giving zakat basic obligation fasting in the month of Ramadan basic obligation. So if someone says no I don't believe in these things, it becomes a Kevin, he doesn't he leaves the fold of Islam. Now those who are the the belief that the cat is an obligation, but he won't

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They don't give it out of

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greed because of their greed or selfishness, then the don't become kuffaar but they are committing a major sin. It is a major sin and they will deal with the consequences of the sin on the Day of Judgment one of the consequences and some of them were mentioned in the Quran, some of them in the sunnah of our Prophet sallallahu alayhi wa sallam method and Allah subhanaw taala and Surah Titova I guess a 3435 he said the Leatherneck mizuna verbal batalla if you're gonna have a severely life of a Shiro be either having him give them the tidings of severe punishment. And then the eye the next day it says that these worlds will be heated in the fire of hell. In the Hadith, it says in the plates

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play to fire

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and thereby their foreheads their backs and their sights will be branded with this wealth.

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In a day, its length, it will be 50,000 years, we don't know you know the nature of this period of time 50,000 years, until Judgment is over. And then this person will see his way you will find out about his way whether he will be among the people of Ghana or the people of hellfire. So now this statement in the hadith of say Muslim is a proof that this person is still Muslim, because it says at the end,

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he will see or he will find out whether he will be among the people of Jannah or people of hellfire if Allah Subhana Allah forgives him, or he did not become a careful because of something else. His only shortcoming was a cat, then most likely he will be in Jannah. If he has the heat, he died upon to heat while believing in the Oneness of Allah subhanho wa taala. Now you can tell me, he tells me this is very graphic. This is very negative. I mean, why I mean, this is punishment. I don't understand this punishment. You know, I'll tell you the reason why most hotel is very clear about this. And he's telling us details about this punishment.

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The reason in some other if he said we Elia coonelly Nursey and Allahu jetten badda Rasul. That is the reason Allah Subhana. Allah is telling us the details of these kinds of punishments, so that mankind will have no argument against Allah after the messengers.

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Do you want to know everything now? What will happen on the Day of Judgment? All you want to have, you know, to receive a more positive message, you don't know about the details. And then when you have a shortcomings and you face the consequences of your sins on the Day of Judgment, you say, I didn't know that.

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I didn't know about it. This is not fair. That would be the reaction of people if they didn't know but Quran is staying with us.

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And people have access to this Quran, Muslims and non Muslims nowadays. And Allah Subhana Allah is telling us about the details of this punishment. What will happen on the Day of Judgment telling us about Jana and the pleasure of Jana and telling us about the punishment of hellfire. Allah subhanaw taala is Stephanie Minal Huck.

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He doesn't shy away from the truth. This is the truth. This is not my law, Allah, Allah is saying, These are my loss. This is what I have prepared for people. The people of Taqwa will be in Jannah. And the people of color and forsook will have their punishment in hellfire. And it's very clear about it. So no one will have an argument against Allah, or the day of judgment. And this is a better way. If you are traveling in the jungle in the forest, and you find someone you are lost, you don't know your way and you find someone who will tell you, Brother Don't take this way this direction. There's some lions, some praying animals, you know, and then T if you want to be safe,

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take this direction. I mean, if you take the other direction, the safer direction and then you hear about other stories, you will be very thankful and grateful to this person who told you about the truth. He told you the reality, right? He didn't cheat you. Right? But he tell you don't worry about it. We heard some there are some problems in this area. I think you'll be fine. If you go and then you go in find a lion in front of you. You'll be insulting this will be your word, but what will be your reaction right? He cheated you and didn't tell you the truth. He was not honest with you. So Allah subhanaw taala is telling us what will happen on the Day of Judgment. I mean, I know how we

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humans feel about this kind of information, but this is a truth

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type. So as I said not paying it is class.

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defined as a major act of negligence not paying the Zakat is classified is I mean when people believe that it is an obligation, but we don't pay it. I was told there are people who say like, sometimes wealthy people, some wealthy people, not all of them, but I was told that didn't hear my heartbeat this whole by myself. I was told that an imam

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on the member said one time told people I was not there, but someone who was there told me he said that he knows someone.

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If he pays the Zakat of his money, it will be around 15 million.

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This 15 million and a and and he said based on the story, the version of this email that this person told him I cannot pay it too much money.

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If he pays it he was solved the problems of many Muslim communities in different towns right? Every year. He will be able to open schools open massagin and solve the problems of many Muslims. But this is the this what they hear the story I don't think it's it's an exaggeration. It's possible. There are people who have Masha Allah, Allah subhana, Allah has given them they're very wealthy, you know, they are millionaires. May Allah Subhana Allah increase the wealth of every Muslim, right? We shouldn't have any jealousy, you know, against these people. But talking about zakat here, it's a major obligation and the ones the ones who decide not to pay it will face the consequences of their

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decision on the Day of Judgment.

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Now, what are what is the wisdom and the benefits? The owner Maddie said when Zakat is paid, the one who is paying will benefit, the one who's receiving the circuit will benefit the community at all will benefit because there will be some unity in the community. People will have good feelings towards each other. So the one the one who pays the Zakat, his wealth is purified. His heart is purified from greed and selfishness. And he's showing Allah subhanho wa Taala that he's willing to give up this portion of his wealth for his sake.

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And also it is a sign that he's he places his trust in Allah subhanaw taala he doesn't place his trust in this money is this money can come Money comes and goes right? Right? You shouldn't be attached to your wealth. It's a gift from Allah subhanaw taala you should rely on the one who gave you this money.

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The one who gave you this money, he's able to take it away from you. He's able to give you more, if you thank him, if you are grateful with the NARA, bucola Insha canto. Let as he didn't occur, and when you Lord has proclaimed that if you are grateful, I will surely increase my favorites upon you. This is a promise from Allah subhanaw taala right. It's a promise from Allah and we need to believe in it. And people have seen it people who give sadaqa and zakat the were able to see the baraka we know many stories in their life family life in your business. This is promise formula Salah Salem from Allah subhanaw taala and also in because the second the meaning of Zuccotti who and the words

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ACAT itself, it means Sahara purification, nema growth and blessing which is zakat, which is the baraka. So taharah nama Baraka, these are all beautiful terms purification and growth and blessing. So, we need to trust place our trust in Allah subhanaw taala and pay these zakat.

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Again,

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going back to what I started my program with, talking about those punishment that Allah subhanho wa Taala

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mentioned, they are in our benefit, we help us actually to make the decision because because Allah subhanaw taala knows our nature as humans, we love money. We love wealth, right? You cannot deny it. This is how Allah created us. And

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I don't think everyone, everyone after calculating how much he has to pay zakat will be smiling.

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I don't think so. I don't think this is the case of every moment. Maybe that's the case of some money. I don't think someone will calculate his record and we'll find that he will be paying like 10,000 his dues portion that he has to pay 10,000 And then he will be jumping out of happiness and he goes to his wife, tell us honey, last year we paid only 5000 But this year, we're paying 10,000 I don't think this is the case, right? This is the case with everyone. So Allah knows our nature. Allah knows our nature. We love money, whether it is 1000 10,000 5000 So

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By telling us those are the consequences. No one shaitan comes to you after you do your math, and you find out how much you have to pay. Why shouldn't I come to you and say that could be too much? Right? You might decrease this number or divided into two halves. Then you remember what what Allah says in surah Toba? What our Prophet Muhammad SAW Selim said in his Hadith, remember, I said no, I will take the safe side, I'll pay my ticket. And I should do it with joy, with happiness with excitement. Allah spent Allah has given me my family's wealth, and I'm only supposed to pay what how much 2.5% You know how much you're keeping your one. Think about how much you're keeping how much

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you're keeping.

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Now 97.5% You keep thinking about 97.5 The amount here that you are allowed to keep, so the rest is only small amount. Now here purification of blessings. That's another

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another proof Allah subhanaw taala address his messenger Selim again in Surah, the Toba hookman I'm William sada cuttin to Tahira whom we have to the key him via or somebody I know him in a salata a second loan. So here take Oh Mohamed from the wealth a charity by which you purify them and sanctify them. By the way, by the way. Tico Muhammad from their wealth was he is supposed to take it and put it in his pocket. Right? No, right, you know that.

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It means he because there are some people who don't know about these things. One time I mentioned this i on the member and so the the some faces have changed in front of me and I sometimes, you know, you assume that there are some negative thoughts going on, right? So take doesn't mean that he's taking he's supposed to take this money, spend it on his family spending on himself, right.

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So he's a leader, he's talking to him here, because he is the leader. He's the head of the state. So as opposed to collect this money through his employers, employees, sorry, the people who are employed to collect the Zakat, and then these people are supposed to give it to the poor in the community. You know that it's haram. It was haram for a Salah Salem to benefit from Zakat and his family are not allowed to benefit from zakat. To me, this is a strong proof that he was a true messenger of God.

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If he was a fabricator, young people listen to this because many of us, many of you are coming to us and telling us Oh, I have problems and I'm struggling with my dean. Listen, this is a very strong proof. If he was a fake prophet to false prophets, the concept of false prophets is found in every revealed religion Christians, they have this concept Jews and Muslims we have tourists, Allah Selim said, There will appear false prophets before the Day of Judgment is one of the signs of the our right people claiming profited. If he was not a true messenger of God, well, Allah He, most likely he will take advantage of his people, because people used to love him and support him. He used to

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love him.

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Because of his Allah, because ALLAH SubhanA, Allah commanded them, he's the Messenger of Allah, many reasons. But when you claim something, you are a leader, you are a prophet, and people love you, then it will be easy for you to take advantage of them, right? Take their money, and there are religious we know many religious leaders throughout history, Muslims and non Muslims who take advantage of their followers, and they make them pay money. They make them pay money, and they're very rich, really extremely rich. I know one of them. I'm not going to mention his name, one of the modern religious leaders, for people whose followers to enter, you know, when he comes to a town,

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there is a special arrangement. He's not he doesn't meet all members of his community, but anyone who wants to meet with him and be in that gathering, they have to register their names. Look at this.

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They have to register their names. These people claim to be Muslims, they claim they register their names, and they have to pay buy tickets to just see him and meet him.

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He's extremely wealthy, wealthy, wealthy, but this world will not help him we're not he will not be able to take it with him to the grave. He

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has, you know, hey, you know what, who am I'm talking about? Right? That he has to pay and then was told the ticket could be $1,000 1000 told this just to see him and sit down with him.

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Religious leaders, yes, throughout history, that was not Muhammad sallallahu alayhi wasallam because Allah subhanaw taala told him, No, you're not allowed to take psychiatry

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benefit from zakat. That's it period. And his family members were not but their own ama they said nowadays, we don't have a state and Muslim state who who will take care of them. So if some of them some of his descendants are cool, and the there is no other way to help them except through, you know zakat funds, maybe we should reconsider this fatwah and maybe we make it an exception. There are some scholars who are trying to make solution for those who are descendants of the Prophet and they don't have an income. They don't have a source of income. Of course, we don't face this problem all the time. But this is a question that was made. Some some people made this question for a while

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ago

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this hadith is very important. This is the was a year of minutia, but it's not working here are the minutiae of the Allahu Anhu Rasulullah sallallahu alayhi wa sallam sent him to Yemen.

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And he told him to, to teach the people of Yemen to read, they believe in Allah subhanaw taala and the Oneness of Allah subhanaw taala. He said, If we accept this, then tell them about the obligation of offering the five daily prayers.

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Then he said if they accept the truth, look at the priorities. It's like Allah rasool Allah says psyllium is organizing his priorities call them to to eat first tell them about their Rachida. If they accept they become believers. Then you tell them about the next obligation which is salad if someone is not praying or his he has doubts about the deen and he there is no point of talking to him about Hajj or fasting Ramadan should start with the priorities, the most important priorities is helping them to become Muslim, or to become a better Muslim and then start praying offering the prayers the five daily prayers and then you talk to them about the other obligations. One of them is

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exec out here. So he said Ali Muhammad Allah aka diff Tara, Allah is a character and wording tells them that Allah subhanaw taala made it obligatory upon them to pay the Zakat and he said it will to her domain of near him what to do Allah for Cara, it is taken from the wealthy, it's very important here and it should be distributed among their pool. So it should be distributed among their pool. So that is the hadith of Rasul Allah says Allah and will answer the Allahu Anhu. When he went to Yemen, he followed the instructions of Rasulullah sallallahu alayhi wa sallam, but this hadith as I said, is very important here, because he said it is to be taken from the wealthy and the wealthy could be

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a child could be an insane person. That's why Imam Malik Imam Shafi and Imam Muhammad all these three Imams believe that Zakat is an obligation upon the wealth of a child, a child is not to pull is not it's not an obligation upon him to pray to offer the five daily prayers. Right.

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Right. It's not I mean, until he reaches the age of puberty, that it becomes obligatory upon him to pray, Bazooka does that help cool man it is a right a financial obligation upon his wealth. You could be a baby. He his father passed away, and he left a large amount for him $2 million $3 million in the bank. So majority of Muslim scholars decide yes, that his guardian has to pay zakat on his behalf. Their proof is this hadith one of the proofs of this hadith to hadoo min agonia. It is to be taken from the wealthy and distributed among the poor. If the person is insane, he's mentally challenged here. So Allah subhanaw taala, will not take into account for not praying, right, but

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he's wealthy. He has two millions in the bank or three millions in the bank than the ruler man. He said this guardian, his guardian, the one who is taking care of him, he should pay zakat on his in his behalf.

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Right now, the those who received the Zakat, what will happen to that the women this is well known, their hearts will be purified from destructive

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jealousy and acid. Because if everyone is doing well in the community and they're not helping, they're not helping the poor, the poor will have some ill feelings towards the those who are wealthy in the community, they will have graduates right? So Allah Subhana Allah wants everyone to purify their hearts. Purification of our heart is very important. So Zakat is one one of these means and also their needs will be fulfilled where it's an obligation upon the wealthy in the community to help to support the rest of the people. It is an obligation and it's a fun

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Sorry, the

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fourth key fire communal, communal obligation, if a group of people are doing it in the community, that evening, late Allah, the rest of the people will be relieved from this obligation. But if if we're doing well, and we have money, and we have people who are hangry in the community, they don't have food. They don't have the basic let's say, we don't live in Canada, because in Canada, the government helps, right? They give them welfare and we give them but in the other communities, I mean, not every state is a welfare state. like Canada, there are many countries, many governments don't help their people, they don't have their own people. So now it becomes an obligation upon the

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Muslim community to help those who are in need. If so, now, if there is someone who is dying in the community out of starvation, they don't have food, then the community will be taken into account on the day of judgment unless they don't know about his case. They don't know about his situation, that's a different story.

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The Islamic Brotherhood will be empowered and poverty will be alleviated with Nila ATAR. Now I wrote here the pillars we'll talk about the most important thing that we need to pay attention to don't take the word pillar literally, could be pillar could be condition. But I put, I forgot to put slash conditions will live but these are the most important thing that you need to pay attention to this intention of zakat payment, the intention of zakat payment. Here it is important because there are people who told me that I give sadaqa throughout the year, at the end of the year, I don't calculate my zakat, because I believe that they fulfilled my obligation. So he doesn't do any calculation. He

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does look into his inventory. These are owners of small businesses, some of them brothers, who told me that good brothers, and they keep donating. But we don't calculate they say I've been given for the whole year to different organizations and to people who are in need. I don't have to calculate my zakat at the end of the year. Is that right? It's not it is an obligation upon every Muslim to look into his wealth and calculate his wealth. Now if you tell me Am I allowed to give zakat before time on a monthly basis, and then deduct this amount at the end of the year? Let's make a deadline. Let's say my deadline is in Shaban this month. But I've been paying zakat every month, and at the

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end of my deadline at the end of the year. Everyone has his own deadline at the time of my deadline, then I will calculate my wealth. And if I have paid everything then I don't have if I die paid they already paid my zakat obligation. I don't have to pay anything. This is Helen, this is permissible. So to pay before time, it's okay. But you do it with the intention of a sadaqa. I'm talking about intention here. Regular sadaqa there is a difference between the cat which is a mandatory sadaqa. And between regular sadaqa this is this basic knowledge everyone knows this. So what do you give the cat you have to give it with the intention of what giving the Zakat you have to know that I'm giving

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this $1,000 And it is a cattle man you have to if you're giving it to a Muslim organization, and you want them to give it to the poor and the needy in the community, you need to pay to write on the check the cartel man and between brackets put pool a needy. So they will pay attention to it, they will know that this is a money that the organization is not supposed to spend it on bills or something else right? Or paying the rent or any other expenses. It has to go to the pool and the needy and this is your obligation.

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This is your personal obligation, your responsibility, right. There are people who bring within checks to the to IRC or any other organization and they put their cattle man but they don't tell us what they want us to do with it. Right. And I'll tell you about accepting the cat for massages and their organizations. We'll talk about it later on Shala at the end maybe in the last slide when we talk about those who deserve or those who received the Zakat. So now the intention is very important. Another case regarding the intention. I know some people who give a loan, okay, I give a loan to my brother and then my my brother after two years, two or three years he tells me I'm not

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able to pay you the vacuolar The more I lost my job, I don't have money, it cannot pay your money. I cannot repay my my debt. And I'll tell him don't worry about it. I'll just make it as accurate for this year.

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Now this is not permissible. Why? Because when I gave it to him as a loan in the beginning, it was a loan. Right? It was a loan, it was not secured. So you cannot change it and say, Okay, you're not able to pay it, I'll just make it again. And that will be my second payment for this year, and everything is fine. You cannot do that. So when you give the money in the beginning, it has to be with the intention of giving zakat. missa you need to pay attention to it is the amount of wealth which makes you obligated to pay the Zakat is in the sub threshold called the amount and we'll talk about it today in sha Allah in detail, I have some numbers for you. And how will in Arabic is the

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passing of one year.

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Usually it is a one year in the Islamic calendar is a lunar lunar year. But if you follow the Gregorian Gregorian calendar, the portion that you pay is a slightly different we'll talk about instead of 2.5 is 2.577. Instead of 2.5, it becomes 2.577 Allahu taala. full ownership what do we mean by for ownership, that you have to you are able to you own this money, and you are able to dispose of it

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with complete freedom. Like if someone has money in RSP, and it is locked.

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He owns this money but he doesn't have the access to it. Until he becomes 65 Will, it's locked, you're not allowed to benefit from it right. Then of course, we will talk about locked and unlocked portions of your RSP today, but if it is locked and you are not allowed to touch it, then you don't have access to it you full you ownership is not full, it's not complete, that you don't pay zakat on this money

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type.

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So basically, the MSA that Zakat is due on the wealth of any Muslim.

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The person has to be a Muslim,

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and male or female, or all younger, old, we talked about young children,

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men or female, so a husband and wife don't have to put money their money together.

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She owes her money.

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And he owns his own money. Right? And she has a flight with him. She has 2000 and he has 2000 If we put them together it becomes 4000. So it's the nisab right? Do they have to pay zakat on it? No.

00:32:42--> 00:33:06

Because he's supposed to pay zakat on his wealth. She's supposed to pay zakat on her wealth. So you don't have to put your money together. And you pay zakat on behalf of the whole family that is held in savings for one calendar year after it has reached the nisab threshold. So you have to wait for the nisab your savings to reach the nisab we'll talk about it today.

00:33:07--> 00:33:12

Your money has to reach it the mess up and then you start counting for one year.

00:33:14--> 00:34:13

Let's say I started a job today. And after one month I received my paycheck right? So it was 5000 or 3000. I spent 1000 And my saving from this month is 2000. Next month I save 2000. Now I'm 4000. So very close to nisab. And these are these days is 4000 504,500. I'll tell you about the math behind it. Right. So the other month another extra 2000. So my wealth now is 6000. So I pass the nisab. So from that day, that day, I received the third check and start counting. I put I should mark the date. And then after one year, I pay my Zakat is that clear what the passing of one full year in the Islamic calendar as I said if you follow the Gregorian calendar, then it has to be the payment has

00:34:13--> 00:34:35

to be a little bit different which is 2.577. Now the nisab we have two standards we have the gold standard and the silver standard. They used to be equal totally equal at the time of Rasulullah sallallahu Arneson. The currency was golden dinars. It was either in Golden dinar or silver their hands made of silver.

00:34:36--> 00:34:40

There must have been gold was 20 dinars every dinar

00:34:41--> 00:34:59

the weight of every dinar was around four to four point 25 grams of gold pure gold gold. Wonder him 2.975 grams. Now the nisab for gold is 85 grams of gold because 20 dinar multiply it by four point

00:35:00--> 00:35:19

point 25 The total will be 85 grams of gold. And now this Durham's Durham's, you multiply by, you know this amount here of grams, and the total amount of this silver nisab is 595 grams of silver.

00:35:20--> 00:35:31

as I as I said at the time of Rasulullah Salam they were equal the amount of 20 dinars was was equivalent to the value of 200. Durham's.

00:35:32--> 00:36:37

Nowadays, the VA there is a huge gap between the value of gold and the value of silver and here we have a problem in modern times. Now, now we have the question should we follow the silver the gold nisab or the silver nisab the gold nisab as of May the second I made this calculation just two days ago, may the second the price of one gram of gold was 53 Canadian dollars, so, it's I'm talking about last year the average was 53 It was from 50 to 56. So, the average was 53 Canadian dollars. Now, you multiply this 53 by 85, what is the total is 4500. So, the nisab these days, in 2014, it was around 3500 in 2014. Now, we are in 2018 4500 right there is a difference of 1000 this is the

00:36:37--> 00:36:53

nisab of gold, the nisab of silver is totally different, there is a big difference. The total if you follow the average price of silver for the last year 12 months, the last 12 months, the average nisarg would be 450.

00:36:55--> 00:37:03

So, there is a huge difference. Now, I believe I believe that people should follow the nisab of gold.

00:37:04--> 00:37:12

But I have to be honest with you majority of contemporary scholars believe that we need to follow the nisab of silver.

00:37:13--> 00:37:51

Why? They said it is these two nice hubs were mentioned at the time for Salah Salem. So whether you fall this one or this one is okay. But the problem they said if we follow the silver, the nisab of silver, it's more beneficial for the poor and the needy. So, many people will be giving the cat the one was 1000 to one was 2000 3000 all these people will have the obligation of paying zakat. Now to be in the safe side for the Mufti. I tell you follow the golden men, this is a federal, because I cannot make

00:37:53--> 00:38:18

if something is not well established, we cannot obligate people force people to do it or tell them this is an obligation, whereas it is not an obligation upon them to do it right. But if you want to be in the safe side, and follow this the the nisab of silver, then it is up to you. It is completely up to you. And it is more beneficial for the poor and the needy.

00:38:20--> 00:38:41

But the nisab of gold and I have many proofs I'll tell you one of the proofs is a wooden it was a February of the council, the reserve the solid research council that was affiliated with Al Azhar University in the old days, when it as her university was highly respected and they had mashallah good scholars in the old days. So that was the decision.

00:38:42--> 00:38:59

When you look at the nisab of other things like sheep and cattle, it is almost the same. Almost the same but a sheep at the time for Salah says the value for cheap was to have a dinner between half a dinner and one dinner.

00:39:01--> 00:39:45

Right? The value of one cheap What is the proof we have a famous Hadith, the hadith of all while barity the salah is in Allah and He will send him give him one dinner, told him to go to the market and buy one cheap he told him buy one cheap for me. So oh, I went to the market and he bought he was able to negotiate with the owner of some sheep and he got two sheep instead of one. So that's what Allah said and he said buy one No, he said it's easy I can get to why not be able to follow us online. So Allah Olufsen was coming back going back to the salsa sellin, he met another person who was interested in his sheep. He said are you willing to sell me one of them? He said yes. If you

00:39:45--> 00:39:56

want to. If you want to buy one from me, that's okay. So he sold it to him for how much one dinner. So he made how much the the profit was

00:39:59--> 00:40:00

the dinner but how

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

How much is by percentage 100% profit, right? There are many Muslims who believe this is not halal. Is this valid, as long as you don't cheat, you don't lie and you get full information. And he's not he definitely had, he didn't have the obligation to tell him how much he bought them you don't have, if you're selling things, do you have an obligation to tell your clients how much you want your, your products, you don't have this obligation. But if you're doing murabaha, you know, whatever, but someone tells you go, I don't have money now. But you can go and buy this car for me or this house for me, and I'll pay you through monthly payments, and you can increase the price for me this is

00:40:42--> 00:41:29

more of her. It's only in this case, the seller has to tell the client or the other person how much he bought the house or the car or the commodity and tell him how much profit I'm making because this is called grab 100 different types of sale, but the general sale you don't have you don't have the obligation to tell your clients how much you bought it for. But if you are you decide to lie to them, and tell them well Allah He somewhat so and so gave me this and so gave me this price, and I didn't sell it, you know, they start lying, then this is a major sin. It's a major sin. There is a Hadith about it that also law says that Allah on the Day of Judgment will not look at this people

00:41:29--> 00:41:44

will not give them any regard those who spent or the make the lie while doing this business transactions all you they make false oath to market their own, you know merchandise type.

00:41:45--> 00:42:29

So here this hobby of the Allahu Anhu rotoworld Bharati what's happened is so he sold the second one with one dinar he went back to the salah Salem and Salah Salem was amazed and he said how did you do it? When dinar and one sheep and he told him the story. So Allah says Allah made dua for him. So which means that he approved what he did. This is how the aroma derived rulings they said This is approval from Rasul Allah says Allah and His approvals are part of Rome, the Sunnah because he made you and for him he was happy with with with the outcome of his business, so the outcomes of his transactions so he made your eyes Allahumma barik lofi Safa Katya, meanie Oh Allah bless his

00:42:30--> 00:43:11

business transactions. And he said in the Hadith in Sahih al Bukhari, he said, if he would, if he buys dust, you know, dust and he would sell it in the market, he will make a profit out of it. And then a different version, he would go to the market, he lived in the city of Kufa in the morning, and he would make 40,000 before going back to his as a prophet before going back to his family. I don't know 40,000 Durham's or dinars, because there is I don't know I mean, there is a big difference even at that time, you know, because one dinar was equal to 10. Durham's at that time, so for the 1000s you know, their hands will be different than dinars, but still, it is a good amount of

00:43:11--> 00:43:44

money and he was wealthy. He said he was the wealthiest in the city of Kufa among the people of Kufa, he was the most I mean he was very rich. Oh well Bal Bharati Radi Allahu Anhu. Yeah, and he he'd been, he was lucky. And also Lysa Selim may derive for him. This is another proof that Muhammad wa salam was the true messenger of God, because Allah subhanaw taala was not to bless the director of fabricator, right. This is another proof that he was a true messenger of God.

00:43:48--> 00:44:25

So these are more gold is more stable, as you can see. And the Hadith he used this hadith those who said that we need to follow the gold standard. They said the Hadith says of Ma taken from the wealthy and distributed among the poor. And if someone has in the account these days for 50, do you think he's wealthy? Do you call him wealthy? For 50 Or these people, this person needs help. If his rent is 600, if he's single, his rent could be 600 or 700. Right? And he needs food in the transportation so but again, if you want to go with the other standard,

00:44:26--> 00:44:35

silver nisab it's up to you. It's your choice, but I believe that if we follow the goals, the sub it's reasonable, Allah Allah Allah.

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

Now when we calculate our zakat, of course in this guide, you'll find some information.

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

But I will try to explain myself. When we calculate our cats we do deal with loans and with debts. And of course, when you calculate your zakat, if you are an employee you

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

I'm not self employed, you don't have a business, you don't have things for sale. So, you deal with cash in the end in the bank account, cash at hand.

00:45:10--> 00:45:16

If you are, if you have shares in the stock market, you are trading, Guyana, you need to look into that.

00:45:17--> 00:45:36

You look you need to look at loans that you have given to other people. Should you pay zakat for them or not? Should you include them in your calculation or not? And also, the short term debts that you need to pay within the next

00:45:37--> 00:46:00

12 months or 11 months till the next deadline? So, you need to look at all these things. So, now, what is the difference between good loans and bad loans? A good loan is when you give a loan to someone, and he is doing well. And he is admitting that he took a loan from you. And he promised that he will or you agreed on a deadline for his repayment.

00:46:01--> 00:46:36

And he's, you're happy with that, and you trust the person. And you're hoping that you receive your money after one year or two years or three years, four years? It depends on your agreement, right? This is called a good loan. Now bad loans, you give the money to the person, he lost his job, he's not doing well, you're not sure if he's gonna pay you back or not. Or he's denying the loan, he says I didn't take anything from you. He's denying the loan, then this is a bad loan here, right? Now what will happen? How do we distinguish between the two of them?

00:46:38--> 00:47:10

Or what is the difference between the two of them when it comes to calculating the Zakat, the good loans, you need to add them to your calculation. So when you are paying your zakat, if you gave 2000, to so and so and it is a good lord, you add it to your the total of your marketable assets. You include it, and he pays a cat for it, even though it is not in your hand. But Islam says you gave the loan this loan to the person and it is a curve Hassan

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

What is your benefit? How do you benefit from this loan, you will benefit from it on the Day of Judgment. You doing it as an act of charity, yes, you are not giving him the money, he will pay you back. But still it is an act of charity. So what is the only benefit that you're gonna receive from this person is he made it easy for you or or, or possible for you to give a loan to a person and you will get her Senate you will be rewarded on the Day of Judgment.

00:47:43--> 00:47:49

You're not allowed to charge him interest. And you need to pay zakat on it. But if it is a bad loan,

00:47:50--> 00:48:13

that you don't pay the cat in it, you don't include it in your calculation, and you need to make this assessment if it is a good loan or a bad loan. But how about if he pays you back after 10 years, he changed his mind or his conditions improved. He got a job and he was able to save money and after 10 years, seven years, tell you brother Hamdulillah I found you here your money.

00:48:14--> 00:48:19

What do you do with it? Do you pay for the last seven years or 10 years? What do you do with it?

00:48:21--> 00:49:06

Do you pay for the last you pay only for that year, you don't have to pay for the rest of the years easy Hamdulillah this is a decision of a major Muslim Council decision of a major Muslim Council Leanna. When they get together, these are our 200 300 scholars. And they talk about these issues and they make these decisions and measurement and faculty slamming and their decisions are highly respected, highly respected. They are documented in volumes books and they have websites and there are two major Muslim faith councils in the Muslim world. And their decisions are highly respected because it is these decisions are the outcomes of collectivist jihad. It's not one person making a

00:49:06--> 00:49:32

decision on behalf of the Ummah not a group of scholars coming from different countries. By the way, they have diversity scholars from Pakistan from India, from Egypt, from Saudi Arabia, Kuwait, they get together for two days three days to discuss all these matters. Every every in every conference, they have different specific matters to discuss and the make decisions about them hamdulillah they are highly respected these decisions.

00:49:36--> 00:49:41

The matter is clear. The difference between good loans and bad loans, okay.

00:49:42--> 00:49:59

Short term debts, the debts that you have to pay in the next year. So if it is a debt that you have to pay after 20 years, you don't exclude it. Now the I'm using loans for the money that you owe to someone else I'm using

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

in debt for money that is owed to you by someone else that right sorry, sorry, no loans that you gave to other people right that is owed to you, and debt that you owe other people. This is how to distinguish between this these terms. Sometimes people interchange between these two terms. But here this is what I'm using just to make it easy for our for the sake of comprehension. So short term debts that you are supposed to pay within like a month to month, you are allowed to exclude it from your calculation. You don't pay zakat for it. So you have a lot you took a loan from someone but you have to pay him. Your deadline is Shaban the month of Shaban, but after two months in June, you have

00:50:47--> 00:51:02

to pay this money. It's a lot it's a debt, you have to pay it back 5000 To Allah you can exclude it you have the right to exclude it's a long term, you don't exclude it, if you pay it after 10 years or 20 years will you don't exclude it from your

00:51:03--> 00:51:16

so now employees, you have to look at the cash in your your hand a value of your stock for speculators who are the speculators the value the entire value of your stock.

00:51:17--> 00:51:24

The entire value if you are a speculator who are speculators, daytime traders, or,

00:51:25--> 00:52:14

dare I say daytime, the those who don't keep money, they're not long term investors. They do transactions on the on the same day, or in a short within a short period of time, less than a year. The buy and sell shares, they don't keep them for long term for dividends, or for long term investments. So these people have to include the entire value of their shares. Now if they are investing in Haram companies, they have to do their best to their best to estimate how much Haram is in this company. It might talk to their own accountants look at the financial statements of this company. And they each try to exclude what is haram because you don't pay zakat on haram income. You

00:52:14--> 00:52:48

have to get rid of it as a Muslim. You need to purify your income, your your money, your wealth. So if it's something It's haram, don't pay zakat on it, take it out, give it as a donation, you will not be rewarded for this donation. You're getting rid rid of this this haram income, the good loans, you add them and you subtract short term debts and you get the total if you're as accountable assets or money. And if you're following the Islamic calendar, you pay 2.5% Gregorian calendar 2.577.

00:52:50--> 00:53:03

Now employees with pension plans, know the concept. I have explained this before to many people but sometimes Allah I don't know why some people struggle with it. Sometimes the concept is very easy.

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

Any unlocked portion of your RSP or any pension plan you have to pay zakat on which you include is added to your total. If it is completely locked, completely locked, you have no access to it. Right? Then you don't pay zakat on it until you reach the age of 65. And you start benefiting from this money, then you pay zakat on it of the time you don't pay for the last 20 years or 40 years or 30 years. You don't pay cash for it. Because it was it was locked. You had no access to it. Your ownership was not complete on this money. Is that clear one now when it comes to our ESP, you know Registered Education, education savings plans for our children. Now if you have this Zakat is only

00:53:55--> 00:54:19

due on your contribution, the contribution of the parents why what is the reason? Because if you you the children don't have access to this money, but as they decide to take you decide to take money from this account, what will happen the government will not allow you to take their contribution they will take it back. So you there are the ownership of your children

00:54:20--> 00:54:32

of your children above this upon this money of this money sorry of this money is not complete. But your contribution as a father let's say you put

00:54:33--> 00:55:00

you know your contribution reach the nisab for them for each child. You don't have to put their accounts together. Each child has his own account, and he has his own money. Let's see one of your children his your contribution in his account has reached 4500. So the ownership complete ownership has reached the nisab which is 404,500. Here you tell your child

00:55:00--> 00:55:07

I, even if he didn't reach the age of puberty, my son or my daughter, you need to pay zakat.

00:55:09--> 00:55:12

And I know some children of our in our community

00:55:14--> 00:55:35

I know some examples young children who are arguing with their parents say I don't have to pay zakat I'm saving this money for my education. Yeah, one, I got all these questions whether you are saving money for Hush, you need to pay zakat on it. Whether you are saving money to buy a house for your children, you need to pay zakat on it as long as it is a saving.

00:55:36--> 00:55:40

If you're saving your money for your education, you need to pay zakat on it.

00:55:41--> 00:55:44

So saving is is an absolute term.

00:55:45--> 00:55:55

Who said saving if you're saving money, it doesn't matter which purpose you have. Education has to get married. You need to praise your cat on it.

00:55:57--> 00:56:06

Is nature a small portion if not, it will not this money will not affect your your your your savings without Allah.

00:56:10--> 00:56:58

If you are an owner of a small business, you are self employed. You use the same formula the only thing you add is the value of your inventory. The items that are for sale that's it that's only thing. But if you have a van, a van in the company, for delivery used for delivery do pay zakat on the value of the van yes or no. No, you don't pay zakat. If you have machines in your in your factory, do you pay zakat on the machines? They're not for sale? You don't pay zakat for them. If you have an apartment and you are renting this apartment receiving rental income. Do you pay zakat on the value of the apartment or do you pay zakat on the rental income? Rental income? Do you pay

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

zakat on your own house?

00:57:01--> 00:57:02

Do you pay zakat on your

00:57:04--> 00:57:55

car let's say you have three the family has three cars four cars for personal use personal use you pays a cat on them? Okay, how about if you go to auction every week or two weeks and you bring cars put them in front of your house and your intention is to sell them you pay zakat on their value or not. You pay zakat on their value why? Because they are for sale. They are for sale anything you buy for sale then you have to pay the cat for its inventory. And you think you are using for personal use or you are using it in your business. Then you don't have to pay the cat for it is not for sale. How about if you have raw material or bags? Or you know have some extra things that you use them in

00:57:55--> 00:57:58

your in your business? Do you pay a cat on them or not?

00:57:59--> 00:58:49

Okay now here yes or no? If you are adding their value in the price, you pay zakat on them. You have 20,000 of raw material. So this is raw material I'm using it in my business right I don't have to pay zakat on it No. If you are adding you're adding their value the value of this material into the product, the value of this product then you pay but if you are giving your your customers bags and therefore free, you're not charging them. These bags cost you like each bag is 10 cents or 20 cents for example. And you have like a good good money I mean the value of like 1000s of bucks, maybe 2000 3000 You pays a cat on it you don't pay because you're not charging this money, your customers

00:58:49--> 00:58:58

the value of these bags, but if you are charging them, they will become items for for sale.

00:58:59--> 00:59:03

So the formula is clear. Now we are one by

00:59:04--> 00:59:21

now who receive who receives the Zakat. Allah subhanaw taala made it easy for us. made it easy. Of course we needed to Tafseer of their own AMA, but it is mentioned in ir 60 In Surah Tober and Allah subhanaw taala told us about eight categories.

00:59:23--> 00:59:36

Then he started with the poor people, poor people, those who have an income that is lost children, we need your attention please. Young girls, we need your attention.

00:59:38--> 00:59:45

Now boo people if their income covers less than 50% of what they need for the whole year.

00:59:46--> 00:59:55

Let's say a family, they need 40,000 to cover the basic needs, not luxuries. Pay attention to this.

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

Going to Mexico is a luxury right

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

I cannot you cannot receive second for this purpose,

01:00:04--> 01:00:12

but to cover what the basics food, shelter, clothes, education, and

01:00:13--> 01:01:03

medical home if you have to pay for your medical help. So these are the basics right? So they need 40,000 Their income is only. So yeah 50,000 This is the example their income is only 15,000 is less than 50 person. These are poor people, and they need your help. And if you're giving them giving zakat, and you have poor people and needy, you give priority to whom, to the poor people because they are rare conditions are more difficult than the needy, the needy, they still need help. They are Misaki in the ayah, 60s or to Toba. And for Cara Alma Sikkim for Cara and then Misaki Misaki. In the they have an income, and it is more than 50% of what they need. Let's say their income covers

01:01:03--> 01:01:42

70% of what they need for the whole year. So they need 40,000 to have a decent life, a normal life the basics covered, but their income is 30,000. So they still need this 10,000. They're not cool. But there are people who are in need, they're struggling. So if you compare between the two, and you have two people or two families, maybe you give priority, I mean it's not haram to give to the other person leaves there the first, but if you want to do it in the best way, maybe you should give the poor give them priority, because their conditions are more difficult than the other family those who are in need.

01:01:44--> 01:01:50

There are people who are employed to collect and distribute the catalogs and sorted the Toba 60

01:01:51--> 01:02:01

At the time, for Salah Salem and the whole of Russia doing they used to be employed by the state. Now we have people employed by Muslim organizations like this one here.

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

And they have people in the office doing eight hours work 40 hours a week and they need to be to have a salary like everyone. So it is permissible to pay these people from the Zakat money because this is what Allah Subhana Allah said in the Quran,

01:02:18--> 01:03:03

as long as three reasonable and of course he's done with taekwon Cara then everything is fine inshallah those inclined towards accepting Islam. If your gift will encourage them to accept Islam in sha Allah you hope that you will give you can give them from zakat, you can buy this gift, you want to give them a gift, give them a card, a gift card, you want to give them an amount of money. If you feel or you hope that this gift will encourage them to accept Islam you can use or pay for the value of this gift from zakat money right on 1130 Kulu. This is what Allah Subhana Allah says in surah, Tober captives and slaves Federica slaves you don't have slaves at this time. hamdulillah but

01:03:03--> 01:03:10

we might have captives someone who is a prisoner. So the owner they said, if he is

01:03:11--> 01:03:18

you know, he's most room. He was oppressed Yanni he was detained. Yeah, he was he's in detention.

01:03:20--> 01:04:08

And he's innocent. The judge, pass a judgment on him, but we know that he's innocent. He did not do something wrong, then here it's permissible to help this person pay zakat on his behalf to get him out of jail. Or someone who was a criminal, he committed the crime, you know that he committed a crime, but you are confident that he made tilbyr And he repented to Allah and he started praying and getting closer to Allah in jail. So this person is it is permissible for us to to help him with our money zakat money to get him out of jail if it is possible. But if he's a criminal, even even if he's Muslim, and you know that he committed crimes, and he doesn't regret his crimes, he's an evil

01:04:08--> 01:04:10

person. Are you allowed to pay zakat to get him out?

01:04:13--> 01:04:22

You don't do it. You don't do it. You pay don't pay your ticket to get someone you know someone like this from jail Allahu taala.

01:04:23--> 01:04:59

In the way of Allah feasability la visa villa, most of the the owner in the past they used to say this FISA be Rila. It means those who volunteered with a Muslim army. They are fighters, but they are not within the Muslim army, but they are not paid by the state. Because in the old days, the Muslim state they have their own armies, and they had people employed and paid receiving a salary for being a member of the army. Now f is he's a volunteer and he's not

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

Receiving a salary it is permissible to help him with zakat that is the opinion of

01:05:05--> 01:05:29

many scholars. There are other scholars who said and they said feasability law is restricted to this or someone who seek knowledge, Sharia knowledge, the students of Sharia knowledge, going to other places and other towns and other countries to seek knowledge and he doesn't have an income. He dedicated his time to seek knowledge, it is permissible to give him from Zakat and it goes under feasability law in the way of Allah.

01:05:30--> 01:05:39

Now, the other opinion, they said feasable Allah, we cannot, of course, include everything that is deemed

01:05:40--> 01:06:24

to be done visa vie the law. But they said if Muslims live in a place where for example, the government is not taking care of massages, or Islamic schools, and it is an obligation upon those Muslims to take maintain or protect the identity of their children like we are the situation here in Canada. Then they said it is permissible to give the cat to the masjid or to Islamic school because it because it is an obligation upon those communities to preserve the identity and the deen protects the Dean of their children. So this is an opinion of another group of scholars. And we follow it here and in ISC we follow it. But we always tell people, there are two opinions and you make the

01:06:24--> 01:07:04

decision yourself. We have to be honest with you. If I tell you there is only one opinion it is permissible to give your cat to the masjid and Islamic school I will be cheating you. Right? We don't do it here. We are honest with people we tell them there are two opinions and the decision is yours. If you want to give it to the mercy to help the masjid build a masjid by a masjid, then it's your decision. If you said no, I don't I want to give my ticket only to the poor and the needy. We have a program for the poor and the needy, you can give it to any poor, you can send it back home you can keep it here give it to this organization, national zakat foundation with the keep money

01:07:04--> 01:07:11

here in Canada, the help only people who are in Canada, they don't say money overseas. They're not like economic

01:07:13--> 01:07:45

relief, or, or age, human concern international human concern international or Islamic Relief these organizations, they mainly take care of people overseas in Pakistan and India, Bangladesh, Syria, Iraq, and other countries in Africa. But this organization is for Muslims who live in Canada, and we need help. So if you want to keep it in Canada, and fulfill the needs of people who live in Canada, it's okay. If you want to send it overseas, it's fine to Hamdulillah.

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But this is the this is the only disagreement actually about feasterville Illa. Because masajid are always being built in Islamic schools. But Islamic schools you have to be careful about something.

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If the Islamic schools, Islamic school is receiving enough funds from the parents, because most of the Islamic schools or private schools and they charge fees, right, then here you have to be careful

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before we give zakat to the Islamic school, but if a group of people are establishing an Islamic school, and they don't have enough funds to establish the Islamic school, they are in the early stages. They're not receiving any fees from parents, they're not receiving any help from the government. Here at this stage, you might give them your second because you want this Islamic school to be established after that. When they start receiving fees from parents receiving help from the government. Maybe you have to think about it before Think twice before we give them your ticket.

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But when it comes to massage it, massage it did not receive any help from the government, any help from the government, if they are religious organization, they don't receive the support from governments and most of the massage it do not go for the option of receiving there is a public fund. There is some grants giver given there are some grants given by the some, some local or maybe the federal government to some religious organizations. If they want to benefit most of the religious organization stay away from them because they said this money is coming from illegal activities. The government is collecting this money from some illegal activities. We don't want to receive this

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money. So just the end result is most of the massages don't receive this help from the government. They receive help from the local communities or they do fundraising in other towns and other countries. So I we believe that they deserve the cat but if you do, you don't want to give it to the message. It's up to you. You will be following the opinion of majority of scholars. Now the stranded traveler even a Sybil

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Again Subhanallah I don't know what's wrong with this

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with the screen, but this is Allah think Ibnu Seville, the stranded traveler. Now in the old days, I don't believe that it applies to our times this, this category here the end the last category. In the old days if someone is wealthy in his town, and he travels to another town and he lost his money, there is no way to communicate with his family. No phone, no cell phones. No, I mean, no Western Union, no banks to make a transfer in the old days. So he's wealthy in his family, like it say he's from Iraq, and he went to Morocco or Algeria, in his back home, he's wealthy. In Morocco. He's a poor guy, he needs help. So in the old days, this person deserved. He was one of those who

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deserves a cat. Nowadays, if you are wealthy, and you are in a different country, lost your money, just phone your family, they will send you money, right? You go to another bank and you are able to, to withdraw some money, right? It's easy. So I don't believe that this applies to our times nowadays. Until we lost technology. That's a different story. Now, do you have any question now we have oh, my god.

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Dirty are those in debt? Yeah, that's right. Yeah, if someone took a loan in a halal way, or and he's struggling, he's not able to pay his debt back. He deserves our zakat.

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How God if he took a haram loan, if he made Toba and you are sure that he made Toba and he's trying to pay his loan back you can help him. But if he's insisting and he doesn't care, whether it's halal or haram, then you shouldn't give him your zakat. Now, how about our students, our students who are going to universities and taking these loans, student loans,

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student loans, I'm Gia scholars from Asia, assembly of Muslim jurists of America

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made a decision about these student loans. Five, six years ago, they said that, you know, interest is always haram. It's always a major sin. But they looked at the conditions of our Muslim students in these societies. They said they don't have an alternative. Most of the students don't have an alternative. And we cannot tell our children to not to have higher education and to be a taxi driver with all due respect to taxi drivers. And people who work in construction will let you know Timmy every hire every source of income, as long as it's Khaled Hamdulillah He is good and someone who is working and making money with his efforts. He is honored in the sight of Allah subhana wa Tada but

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I'm just saying that we need lawyers, we need doctors we need people who are qualified in our communities, right. So the ruler man, this decision of group of Roma is not one person. Lee said the Muslim student has to look further into exhaust all the means of Helen. Helen sources like taking a loan from a family member. Taking a curve Hasson from an Muslim organization, working part time and studying part time taking a break for one year or two years to work and save some money and then go to school again. So he has to look into different options. If these options are not possible. Then they said and this is their statement. We hope that Allah subhanaw taala will not take the students

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to account, especially if they have the intention to pay these loans back within the grace period, which is six months, especially if they have a plan B if I'm not able to pay it in six months, I will try to get a cut of Hassane from a family member or friend and pay this money on time and avoid paying interest. So if they are concerned about their deen and they looked into all these options, and this was that was the last resort. They said We hope this is their statement. And I believe that this is a very reasonable decision. If a Muslim student is struggling with this student loans, then I believe that they deserve our ticket. Even if you are the father there is a fatwa of great

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scholars You are the father you are supposed to spend on your child, but you're not responsible for his education, university education. I have to be honest with you. If he needs the basics, it's an obligation upon you to pay for his food for his shelter for his clothes. These are basics. University education of father is not responsible in front of Allah. You cannot make it an obligation upon the father to pay for the fees of his if his son right or daughter but if he wants is good hamdulillah if he wants to pay but if his

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Son to Cologne and the father has some savings. Then he wants to give zakat to his son to pay his loan not to pay for his food when it is permissible and this is the opinion, a legal opinion, a good opinion from some highly qualified scholars, will Allah Huhtala Anna

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she's aka Allah Subhana Allah Who Hamdi shadow Allah, Allah, Allah Azza Furukawa to ghoulish