Muhammad ibn Adam al-Kawthari – Basics of Zakat & Charitable Donations

			Bismillah your Walkman you're walking
		

			Smilla Rahmanir Rahim Al hamdu lillah wa Salatu was Salam ala Rasulillah
		

			al he will be here. Woman wala are back. Special brothers and sisters as salam Wa alaykum
Warahmatullahi Wabarakatuh.
		

			sha Allah to Allah, Ramadan will be approaching in a day or two.
		

			I pray to Allah subhanaw taala that he grants all of us a fruitful and a blessed month of Ramadan in
which we become close to Allah subhanaw taala through the various worships that we carry out, mean
your ability to meet, I just want you to take this opportunity to briefly discuss a very important
aspect of our deen a pillar of Islam, which many people tend to fulfill in the month of Ramadan, but
it's not necessarily something that has to be done in Ramadan, but many people tend to fulfill it in
Ramadan. And this is one of the issues that I want to discuss, which is the idea that the worship of
zakat many years ago, some 20 odd years ago, I compiled a book, small booklet, you could say, a very
		

			short and simple booklet, which is about 28 sides, titled simplified rules of zakat. hamdulillah it
proved to be very, very beneficial. Many students in madrasahs used to study this book before they
felt you know, texts, and numerous people over the years have been asking about this book.
Unfortunately, for the past 1012 years or even more, this book is not in publication, it is out of
print, not available, now the PDF is available.
		

			Inshallah, hopefully, maybe if time permits, I will hopefully work on it and improve it and maybe
publish it again as a book. But this is a very simple guide to simplify rules of zakat, which was
approved by one of my great teachers chef moved in Turkey with the money having a whole lot he
actually wrote us more forward as well.
		

			And basically, this book is just that it's a simplified a very basic guide to the cut. So what I
want to do Inshallah, in the next few minutes is just give a summary of what's in this book. And
this is like a beginner's guide, not none of the detail rules for which you we have to study the
flock of God, and maybe even ask experts scholars, when it comes to complex matters of the gut, but
this is just the very basic of the cut. So a summary of this book and some one or two very important
issues that I want to discuss. In this book, you shall love data. So right in the beginning, I mean,
I don't need to go into this but we talked about
		

			the importance of the god obligation of the card that we start with the definition of obligation and
the virtues and the benefits and the warnings for not paying the cut, which we don't need to discuss
and we can read them as well anyway shall loudhailer.
		

			Now, the first point discussed here, which we need to understand is that the cat is the cat is a
specific form of charity. Okay, so cat is not just he is charity is not just a cat, the cat is a
charity, but charity is not always a cut. That's a very important point to remember, because a lot
of times people think that God actually just means charity, and that's any charities cause the cut,
no, not every charity is causes the gods the cut is a specific type of charity, which for which
there are specific laws, specific rules, and it only relates to 2.5% of our wealth and not the
remaining 97.5%. So, if we have money, this zakat relates only to the 2.5% we have and not the 97.5%
		

			for which there is sadaqa that is you know giving all different forms of charity give her the Alia
Heba whatever we want to call the different types of grants and gifts and donations that we do. But
Zakat is a specific type of charity and the rules was a cut of very detailed and very strict and
very stringent as well.
		

			So as a cat is a specific type of charity and the basic rules will apply like it's not obligation
unless the person is able Calif legally responsible Islamically responsible so he's a Muslim, he's
saying he's reached puberty etc. But then after that the condition is that a person has to have a
zakat payable amount we call that nisab right we call that nisab in Arabic the god payable amount,
which is
		

			612 point 36 grams of silver
		

			or 87 Point grams of gold and this fluctuates based on the value of golden or the value of silver.
And the mainstream opinion is that from whichever to a person becomes the owner of nisab then they
put the person has to pay zakat. So in our times, a person will most likely be eligible to pay the
God he will reach that level of nisab like we have cash etc. So through the value of silver, so 612
point 36 grams of silver the day we paint the card
		

			or we need to see what is
		

			A value of 612 point 36 grams of silver in cash. If it's about 500 pounds, 600 pounds once we
reached 500 pounds 600 pounds, then that's that means we have the new salt. But I'm going to explain
further in Sharla about this. The first point is that we need to
		

			have the card in your sub, the card payable amount in order to pay in order for the obligation to
come upon us. If somebody wants to pay even if they don't have that, that's, you know, it's
voluntary. It's not a problem. But I'm talking about the necessity the obligation of paying the card
it is when somebody reaches there's a cut payable amount, the nice. One really important point about
this, which I've discussed in this book, which a lot of people don't know is that we hear that had a
little hole one year has to pass one year one year, this is a common thing that hamdulillah not all
Muslims know. But many of us sometimes don't understand what this one year passing of one year
		

			actually means passing of one year does not mean that every single part of wealth that comes into
our possession a year has to pass on it. So we have to bow to be very difficult. We'd have to keep a
record of every money like you've got five PII okay this I got this five PII on this date, have I
got it for one year, not every wealth. Basically, this is the simple way of how the card is
calculated. Sorry, how how it's calculated, and sort of implemented, which I've explained to a lot
of people before as well is that look, every Muslim, every Muslim, after reaching puberty must have
a zakat payable date, everybody in our life. Like if you're watching this, what's your account date?
		

			That's your question, just like your birth date. If I asked you what's your birth date, I'm sure you
know your birth date like that. What is your circuit date, the birth of your circuit, it is really
important. And that date has to be an Islamic date. Not based on the Gregorian calendar, rather an
Islamic date. Whether it's Muharram whether it's suffer whether it's Ramadan, whether it's Shaban
whether the Ricarda or the hijab, whichever it's not necessarily Ramadan God is not necessarily
based on Ramadan. And I will mention that look, you can pay in Ramadan if you want to because you
think rewards are inshallah not huge think of course based on the Hadith rewards are increased, but
		

			the calculation and the setting aside of the money has to be done on that date. So that date what is
that date that is the date when the first time in your life after reaching puberty you receive you
reached the Zakat payable amount you received you you reached your wealth reached the level of nisab
you acquired those five 600 pounds whatever they are the amount of money based on the 612.36 grams
of silver. So say for example, you are 18 years old, and when you were 18 the first time in your
life you actually got to that level and nisab was say 600 pounds for example or 500 pounds I'm not
sure exactly I could be quite far off from this in cash but it's based on 612 point 36 grams of
		

			silver.
		

			So the first day in your life, your father gave you 1000 pounds cash before that you were just in
college, whatever. No money whatsoever, and you got your first 1000 pounds. That day is your
circuit, date, birth date, you keep that date you make record of that date. Imagine that was the
first of Muharram so first of Muharram you keep a record of that. Now for the rest of your life.
First of Muharram is your the cut date. Now what you do is you go to sleep for the next year, not
literally but in terms of the cut, you don't have to worry about zakat money is coming, going
arriving, exiting, receiving spending paying whatever it doesn't really matter. You just completely
		

			don't think about zakat until the following year. Which is the first of Muharram exactly one year
and this is what you do every year. On your second date. The first thing you do when you wake up in
the morning you go and offer for your Salah, and after photos or maybe before breakfast, maybe you
could have breakfast. The first thing you do is this is my zakat date happy second date birthday.
Now what do you do? This is the day I need to check what do I have today? So you check and there's
five types of oil three types of wealth mainly what we need to check on which there is a cut. So
today I check first of all cash how much cash do I have? So I need to check cash in hand in my
		

			pocket, empty your pockets, right? Checking your wallet, checking your bedroom, under your pillow
wherever check your all your different accounts, bank accounts, all the cash that you have total
that after that golden silver. If you've got anything, any gold jewelry, if you're a sister silver,
you know jewelry just if you're a sister jewelry and brothers don't wear jewelry of course
		

			If you have gold and silver, then get that weight and the value of that in cash. Okay, so X amount
of grams of gold you've got, what is the value of one gram of gold, etc. And just totally and write
that down. So imagine on that day you say, I've got 500 pounds cash, 500 pounds worth of
		

			gold and silver. So that's going to 10,000 pounds, then you check after that business goods, because
this is what the cost is on gold, cash on gold and silver. And the third item on which there is a
card is maluti. Jarrah business goods. So you check.
		

			If you have if you're doing business, what are business goods, business goods are those items that a
person has purchased with a clear clear intention of resale. So you are buying and selling cars,
you've actually got a car that you purchased a week ago, and it's on sale with intention of resale.
So you have to take the value of that. Anything that you've got in your possession right now, today
on that first hurdle, which was purchased with the intention of resale?
		

			You take the value of that, anything that's in your possession right now.
		

			So the value of that and with the value of goods, people ask is it retail value is it cost prices
itself price? Well, best is retail price, that will be the highest price. Okay? It's not the cost
price, but it's the current market value. Now current market value, there are three types of current
market values. One is the sale price to whatever price you've put it on sale as the other is
wholesale price, you can do that as well. Okay, which is a bit easier.
		

			The superior and the most difficult is the actual price you put it on sale at. But if you want to do
it on wholesale price, you've got lots of goods and the wholesale prices a bit less, you can keep
that in mind. And there's also a third price, which if somebody wants to come and if you've got a
shop and you've got so many goods in your shop, and if you think to yourself that if I sell my shop
all my goods, tomorrow, somebody comes and says I'm going to take all you're stuck in one go, you
will give them at maybe even half price, less than wholesale price. So what's that price that you've
got in your mind, you can also this flexibility, concession dispensation to take that into
		

			consideration as well. So you take the value of that. So cash, gold, silver business goods, put them
all to a total and say, let's say your total has come to 2000 pounds. Now what do you do? Now you
have to think about loans that people have to give you.
		

			So you think Okay, does anybody owe me any money. Now, there's a lot of detail, but generally, loans
which are receivables and people will be paying you and you expect them to be paid not something
that somebody took 20,020 years ago and that's it, the guy's gone off the face of the earth, and
there's different rules that you never hope to receive it etc. But generally, people who borrow who
who've taken loans from you have purchased items haven't paid you etc. And people need to pay you
money.
		

			These type of loans that you've given to people, you take them into consideration, and you add that
to the 2000 pounds so people owe you in total 1000 pounds. You've added that 3000 Now here there's
one thing if you don't want to add it, you don't have to but then what will what will happen is when
you do receive the loans, you will have to backdate all the previous years of zakat when you do
receive imagine you will receive it after five years when you do receive that 1000 pounds, then you
have to say okay five times I'd have to take out for the past years. That's why it's good to just
add it every year. And then when you receive it then you don't have to do anything because every
		

			year you've been paid. So let's say we've added it so it's gone to 3000 then what you need to do
final thing is that what do I owe to others
		

			and if you think that I owe people different different, you know loans that I've taken, or I need to
pay money for certain items, you can minus that. So your total was 3000. And then you minus what you
owe to others. And that total to 1000 you minus that you went back to 2000 That's it that's your
total figure 2000 pounds is your figure from that you paid 2.5% as a cut 2.5% of 2000 pounds. Is
what 50 pounds 25 pounds on 1000 It's like one pound in 40 pounds. So in 1000 pounds it's 25 pounds
2000 pounds, 5050 pounds in 2000 pounds. And that's there's a cut. Now you don't have to give that
50 Today Today on that first harm, you can set it aside best to actually take it and put it away
		

			somewhere. If not actually make at least make a note of it. And then later throughout the year until
next month or next year use a cut date arrives. Slowly pay it off. You can say I want to give 10
pounds to someone
		

			Add five pounds tomorrow and next week, you can wait to Ramadan if you want. But just right maker
will see a request that if I was to pass away before I am able to pay this, then at least they know
that this money has been set aside. It's due on me that has to be given as a cut. So this is how we
calculate. This is in a simple way of explaining it. But like I said, this is the date today that
first of Muharram is my Zakah date, I don't have to worry about anything in between. So if some
money had come even yesterday, I will include it in today's calculation. And if some money I had
some sum of money, and amount of money, which I had for the full year, but just yesterday I spent it
		

			I went and bought a pious today, there is no zakat on it. So that's why I mean, it's not like a
healer. But if you were if you are thinking of buying something, you really need it, and you've
you've thought about buying it, you've made an intention of buying it. People say I've saved money
because I'm going to buy it. If you haven't bought it and you've got it on that date, you have to
pay zakat.
		

			You have to buy it, buy it the day before. If you want it, you've put money aside that you want to
buy a car, before you record date comes a day before at least go and spend it then you don't have to
give us a cut from it. But if you've got it on that date, even if you're going to buy tomorrow, then
you will have to pay zakat. So whatever you have on that day, whether something came a day before,
so there's no one year passing on that it just came one day before. And something a whole year
passed. But one day before it left you there is no God, it's just on that date, what you have gold,
silver cash, business goods, and receivables loans. And from there you minus what we give to other
		

			people. So this is a very like as kind of a simple way, this is what I explained in this kind of
gold silver
		

			is the garden money is a carton of merchandise, which is business goods.
		

			And then I've talked about here two types of loans. There are two types of loans, normal loans,
which we take, okay, this will be subtracted you know, when I said that end, we subtract we minus
what we owe other people, right at the end, once we make our total what we owe to other people, we
minus that. So normally we do however, there's sometimes there's major loans by taken by
businessmen, for production of business like to start a business purchase merch, machinery, etc.
They in their like 100 1000s 200,000. And the and for this, there's a different ruling that, you
know, if we were to subtract these, then not only is the cart not obligatory on these businessmen
		

			rather they will become eligible to receive, like millionaires, but they've got loans like
300,000 400,000 500,000. So for that there's a slightly different ruling, which I've explained in
the book and Sharla does not have to go into it. But it's I'll just read it, if you can understand
you understand, the rule is that if a person takes a substantial loan for a business purpose, and
with this loan, he purchases the card goods, like business goods, raw material merchandise, then
this loan will be subtracted from the total. However, if he purchases non-marketable items, such as
machinery furniture, then it will not be deducted. An example for this, suppose a person took a loan
		

			of 100,000 pounds from the bank to import machinery for his business, this loan will not be
subtracted, because machinery is a non deductible item because there's not a cut on the machinery
like because it's not a business good. You know, if somebody has a factory and this machines in
there, there's not a cut on the machine
		

			when it's not for trade. On the other hand, if you purchased raw material, then due to it already
being included in the cost of assets, it will be subtracted. Because raw material, when you take the
value of business goods, you will take that value. So you will receive business goods, those things
we buy with the intention of resale. So cause we've purchased with intention of resale. If you've
got a house that you've purchased with the intention of resale, then the cost is on the value of the
house. If it's with the intention of putting it on rent, then there is no zakat on the value of the
house. But yeah, when you get the rent, it's money that will go into the money category. If you've
		

			got a business and you've got like photocopy machines and machine machinery and like you've got lots
of furniture, there's no garden furniture, because you're not buying and selling the furniture
itself, right. So you could have a massive building, there's not a cut on the building. But the cut
on business goods means those items or those properties that were purchased with a clear intention
of selling at the time of buying.
		

			So that's in terms of how we calculate hours. The second part which is slightly important as well,
not slightly more really important,
		

			is distribution of the cut. Now, when we've thought about we've calculated our target now the second
stage comes which is to pay this attention to distributed needs.
		

			First of all make a clear intention, we need to first of all make a clear intention that we are
giving to God when we give. So there's rules about Nia. And then the really important part is who
can receive the cut? Now he a lot of people, you know, misunderstand, they go to extremes left to
right. There's a lot of misunderstandings, a lot of malpractice about this issue,
		

			the safest situation to be in and the position to take Allah talks about who's the card can be given
to in the Quran in number sadhaka to learn for Cara Alma suceed? Well, I believe it will live with
your colo boom of your recovery all of our immune or feasability Allah he will disappear.
		

			But a simple short answer is that zakat can only be given the card can only be given to those people
who do not own in excess of the person who needs any type of wealth that is equal to the value of
nisab.
		

			Let me repeat this and explain
		

			who can Zocor be given to, it can only be given to first of all, only a Muslim, okay, poor Muslim,
extremely poor, needy Muslim, making them the owner of that wealth, term leak, which is really
important,
		

			making them the owner that there's a definition given here by one of the early Hanafi. Imams
		

			that the card is the transfer of ownership of a part of one's wealth that Allah has specified to be
given to a poor Muslim, except one who is from the ownership whilst not providing the giver, any
means of benefit whatsoever, and it must be for the sake of Allah. That's another way of explaining
but if when I'm explaining this to you, in short,
		

			is that it can only be given to first of all a Muslim some people think that why Muslim, like
somebody just recently, you know, commented and asked me this question on my Facebook page, that
Muslim non Muslims give lots of donations and charities to Muslims. Isn't that like being unfair,
and quite narrow minded that we say that we can't give it to non Muslims? The point is that we've
misunderstood again, it goes back to we think we think the God is all charities occurred is that
from the, you know, the 2.5% of the wealth that we've got, it's not all of charity with the rest
97 4.5% We can give to non Muslims, we can give to Muslims, we can give whatever, however, you know,
		

			whatever you want to do give to people, whether they are needy, not needy, it doesn't matter. But
for the cardross strict rules, not just that we can't give it to only Muslims. And we can't give it
to non Muslims. We can't even give it to all Muslims. We can't give it to non Muslims and not even
most Muslims we can't give to you has to be a specific Muslim. And we can't even give it in charity,
like I will explain to the mosque. You can't build a mosque with zakat money, you can't fund a
mosque, it has to be given to a poll Muslim, who is such that he does not own in excess of his basic
personal needs.
		

			Any type of wealth, why do I say any type of wealth. So for example, let me let me say there's a
person there's a brother, this person, if you want to give him a card, he must not own
		

			Okay? After excluding his basic needs. So his basic needs means all the basic things of his life
that he's utilizing. So for example, he's wearing clothes, you don't take the value of his clothes,
a few pairs of clothes he has, you don't take the value of those clothes into consideration. He's
got a house that he lives in again, you don't need to take the house into consideration. He's got
one, he's got a car that he uses, not a second car, but he's got one car, he uses food in his house,
all of this is part all of these items are part of his basic needs. You don't take any of that into
consideration. After that, you see does this brother have any item not just those you know 583 items
		

			that we the payer had to look at the payer had to look at cash, gold, silver business goods, that
was for the payer, but for the receiver in any form in any form, if he has the 612 points 600 And
MapPoint 12 grams of silver nisab amount in value in any format, in any format. So if he has that in
cash, if he has that in another card, say he has he has two cars, one car is he is using but the
second call is basically he just keeps on the site. Then you will take that into consideration. If
he's got excess clothes. You know he has like five jackets. He only wears two
		

			two quotes than the other three the value of the table to be taken into consideration. So anything
in excess of his basic personal needs will be taken into consideration. And if he's reached that,
then you can't give that person's
		

			you know, sometimes we say there's a poor orphan, or a widow, just because they are poor, just
because a person is often so God can't be given, we have to really properly check and investigate.
So that's the person who we can give the cut to any person who does not own in excess of their basic
personal needs. Any type of wealth, that is equal to the value of nisab, ie 87 point 48 grams of
gold or 612 point 36 grams of silver.
		

			Now here, there's a couple of things.
		

			The definition given by this Imam was that
		

			that Muslim must not be Banu Hashim, from the value Hashem aside from the family of the messenger,
sallAllahu, alayhi wasallam. So if they're poor, what do we do? Give them from the 97.5 that we've
got. Likewise,
		

			there should be no benefit whatsoever for the giver. So if we give it to the poor, but we're
benefiting in some way, like you tell the poor that, okay, come in, you know, help me out, I'll give
you the card. But you have to wash my car.
		

			That that's not allowed, because you're taking a benefit. You can't give as wages and salary to your
worker, even if they're poor, because they are working for you. It's like you're buying something,
you know, you say, Okay, I've got the card, but I'm going to buy some fish and chips for the card.
So like you're eating it. So it's a similar to, I'm giving you the card, but you come and you're
like, you know, work for me, you know, he's giving you service in return. So you can't give wages
and salary from it. And also,
		

			like I said, kind of give to somebody who is from the family of the messenger, salallahu Alaihe
Salam.
		

			Now, there's a couple of things here. And there, we'll end with this inshallah.
		

			In the verse of the Quran, Allah said, gave a list of people, and I'm not going to go into the
details, but I'll just tell you what to read. In there. He mentioned feasability law in the path of
Allah, and this Armory in areas that collectors This is highly abused in our day in day and age,
really, seriously, first of all, feasability learning the path of Allah, some people take this, so
like, leniently and so easily like they, you know, most of what I'm looking for, they apply this so
casually, the car in the path of Allah. So any good course I actually tweeted about this as well
that some people they take feasability law in the path of Allah so casually, that they think that
		

			the current the cart can be given for anything and everything as long as it's not a bad thing. As
long as you're not spending the carrot to buy drugs, or you know, commit Zina or eat haram food, but
anything along this path, like everything is good. So is it God you can build Masjid construct
mosques, make wells, everything and anything any good cause, oh, there's a pavement, pavement, you
know, that needs to be like, constructed there. There's someone's house there, or just general the
park here needs to be fixed, whether it's poor people, whether they're not to poor people, whether
it's Muslim, whether it's non Muslim, like it's just give it out to people for good cause this is
		

			not the card. This is optional charity. And this is where one of my teachers will say once that we
Muslims, we think that we want to sort out all the problems of the world with 2.5%. Because we say
if we can't give it to anyone, all these different places, and Zakat is only for that poor people,
that poor person that I've actually just described, then who's going to give to non Muslims who's
going to build mosques? Who's going to cater for this and this and that and in all the different
needs that we have, of course we have needs, but this is why the messenger of allah sallallahu
alayhi wa sallam said in fill murli happens he was the cut. In Phil Murray happens he was the cut
		

			indeed in your world, there is a right besides the cut.
		

			We can't fix the world's problems with 2.5%. Two foot 2.5% is for the poor, leave it for the poor
just leave it don't touch that. The rest in sha Allah use it for whatever however you want. There
are no rules for it. So therefore, I would really make this piece especially to our charities,
charities. MashAllah many charities are working and taking money from Muslims and fulfilling the
responsibility of giving the cut and other ones are cut. But I really feel that we have to be very
careful
		

			The careful because you know, this the car 12 especially, it's playing with fire. It's the right the
hook, you know, the sacred wealth of the people. For the charity people, I have a plea and also for
the rest of the public. All these charities like in the UK here, there's so many charities, so many.
And even in America, Canada, and in the Western countries, many charities, it's actually really
common like in Ramadan is millions of pounds are made by charities 1000s. And millions you go on to,
you know, your TV channel, every channel day and night. People are just fundraising, fundraising
fundraising, asking for money find handler, but
		

			there is a lot of malpractice that takes place. From what I have heard, and people have told me
		

			like some great abuse of the card funds and other funds that takes place. Now, I'm not, don't ask me
names and named charity, I don't know, you know, knew to pre approve this. But for the charities.
Honestly, if it's Zechariah 12, then make sure clear, tell people yours that God money will only be
used for the poor and no one else and nothing else. Nothing for the administration cost nothing. And
even if it's other than the cut, make it clear that look, we might use it for administration costs.
Because you know, we are putting adverts on seriously
		

			of extreme destitute poor people. Yeah, there's a poor Syrian two year old child orphan, a Sudan,
Sudan or Somalia and child with bones. Yeah, and people are very sentimental people have empathy
human beings and 100. Allah created us all with kindness and care and we have very soft hearts, who
didn't want to give, but then that money is given to the charity and the charity things.
administration costs can be paid with that. And fee Sevilla is very general under the second term
Allah use will Amin and he has the Card Collectors. And that also is not allowed because this is
what I was going to going to say that inshallah if you want more details on this, there's a very
		

			good discussion in rd for Quran, which is the eighth volume commentary of the book of Allah subhanaw
taala written by Sheikh Mufti Muhammad Shafi Rahim Allah, which is available in English, and also on
our Doublelift website, I have an article on this Kansa God be given giving the cut in the form of
salary. And I've talked about this idea, and it has occurred connectors, that this is only possible
in a proper Muslim state, and you have a river and mean and Islamic government, not these Islamic
governments, but like a * of a system, and a mutual meaning. Because in that case, the middle
meaning is a agent on behalf of the poor. So basically, when you give them the user card, it's your
		

			the card is fulfilled. And he is basically taking money from that as wages on behalf of the poor,
the poor are giving, whereas today, the charities are the agents of the giver, if I give my money to
charity, they're my agent, my circuit is not fulfilled yet, I there's a charity ABCDEFG, I've given
them 200 pounds, until they do not give that money in the hands of that poor person, or they don't
buy an item and give that item they don't buy medicine and give that medicine to them. And make them
the owners of that medicine.
		

			You know, they have to make them the owner of the well, they have to make them the owner of an
orphanage, if it's an orphanage, we live in this orphanage was a cat is not fulfilled. If you're
saying 10 orphans, you all 10 of you, you know you now are owners, title deeds on your name, you own
this property, which was made through the god funds, then it's okay. But until that building is not
made, and until it has not transferred into the ownership that God has not fulfilled. So, seriously,
you know, I was saying this, that we see these adverts, you've put an advert of a poor orphan Syrian
African, you know, baby child people are struggling, nourished poorly, people that pull the hearts
		

			out, they give you money, that money then the charity things can be used for administration costs,
administration costs also and sorry, I'm being blunt and frank here but administration the cost may
include your nice journeys, you know, a business class trip of you know, a nice five star hotel and
charities they think it's okay, you know, the wages as well some of them 40k 50k 60k
		

			They think it's you know, permissible because we're working this is not permissible It is haram some
from the Haram seriously. Imagine that person's heart poured out because they saw an orphan
		

			dying and that money that you gave they gave you you're eating a doughnut kebab in the you know,
lounge or the balcony of a five star hotel in some country. I mean, how is that even
		

			justified morally ethically, let alone Islamic key and legally. Money people give you cannot be used
for adverts cannot be used for advertising cannot be used for journey travel administration costs
nothing. Zakat money especially zakat money has to be given exclusively for the poor. Don't
generalize visa vie de la because then it becomes very grossly sort of abused. And even as a card
collecting this is the mainstream opinion about the Card Collectors. Okay. Other than the card funds
as well, I personally don't feel that unless we don't tell the donators the donors that look, your
money could be used in administration cost, clearly tell them, Okay, be open about it. Tell them if
		

			they're still happy that look okay, yeah, I don't mind you taking up, you know, flight. But then,
you know, be careful, you know, some of the earliest callers were particularly they will take the
minimum, they would never go in a business class, they would never use the charity money to travel
on business class, because this is really, for the poor, for the needy for the places where the
money needs to go, they will do the absolute bare minimum for the nonprofit that I'm talking about.
So I don't think it's justified unless you tell them the look, we use your funds, non zakaat for
lots of things administration costs, which includes travels and journeys, and sometimes our, you
		

			know, members, charity members and workers days travel on business class, some scholars, we take
them on business class, we stay in five star hotels, we do eat a lot, you know, whatever, just be
clear and open and then see if people give you people are still happy to give you Hamdulillah. But
honestly, this is my plea to the charities, and a plea to the general public is just be very
careful, it's your money, I care for the money of the general public. You know, there's so much
money that has been taken from the general public by people. And you know, they give it to the class
and sincerity. And the takers, we have to be very careful, we have to be very careful, even if it's
		

			donation to a mosque, whatever every penny, we need to be careful and we will be accountable in the
court of Allah subhanaw taala This is not to say that every charity is involved in malpractice and
abuse of funds etc. Far from it and hamdulillah there are and there must be a lot of charities who
work diligently and ensure that the charity fund the money that they receive, they look after those
funds and ensure that they spend it on the rightful places
		

			and they don't use anything for administration costs. There must be some charities but there are
also some charities that probably don't really look after the funds properly in a proper way. So
therefore, for the general public my advice is that just be very careful if you can give money to
the poor people yourself hamdulillah especially if it's your sag card because we have to be very
careful who the money goes to. And if not then you shall largest before donating your funds and your
money to any charity just make sure that they use your funds and utilize the funds properly in a
proper Islamic manner. And if it's use a card and they give it to the poor and needy people who are
		

			eligible to receive the cards and if it's other than the card then however you feel if you think
that your money must go to the poor people or must go to places where you want them the money to go
to then speak to the charity and get a guarantee and ensure that the charity does use the funds
appropriately shout louder.
		

			So this is in terms of giving the talk and you know the people who we can't give and we can give
some thought to like I mentioned shallow to others. So anyway, this is brief Lee, a discussion a
brief discussion of the rules of soccer and inshallah hopefully if I can work on this book, and then
we will inshallah publish this book again simplify rules of Socratic method was Panatela. Grant us
all the ability to so Kamala Harris the same article on how to light I know