Zakah, Sadqa and Sadqatul Jariya
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Channel: Muhammad West
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AI Generated Summary ©
The importance of fasting during the month of centers is emphasized, with emphasis on paying Zakah and charity. The concept of zakah is discussed, including its meaning in financial gain and potential impact on one's wealth. The speakers stress the importance of avoiding risking one's wealth and not giving too much in return, as well as the benefits of giving as much as possible in charity and not giving too much in return. Additionally, the speakers emphasize the need for individuals to have a certificate to avoid confusion and fraudulent activities and the benefits of having a positive attitude towards taxes.AI Generated Transcript ©
Hope your body is well.
I accept to all I by that. I
know last night was a late night for
lot of people, as we tried to push
through and get the maximum of Ramadan. Allah
grant us all the rewards. I mean, we'll
never do enough.
Jannah is eternal. You'll never do enough to
get Jannah. That is why we hope through
Allah's mercy we attain Jannah Aameen.
We know that part of the important aspects
of Ramadan
is just fasting, which is one of the
pillars of of Islam and there's a lot
of salah that happens during the month of
Ramadan. But, of course, it is also the
month that we evaluate
financially our situation.
And you would find in the Quran,
even
and then
It's so ingrained in us that Allah has
combined
in over 30 places in the Quran. When
he speaks about salah, he has combined zakah.
They almost go hand in hand. And so
it's important
that one of the aspects of getting our
fasting accepted, getting closer to Allah, attaining taqwa,
is to make sure our financial obligations
are sorted out. And there are a number
of different types of,
financial
donations that we need to make, and sometimes
it gets confusing. We have zakah, which we
talk about the main zakah, one of the
pillars of Islam. Then we have zakatul fitr
or fitra here in South Africa, fitra parcels
and all of that.
We have fidya.
We have sadaqa, sadaqaquljariyah,
lillah. What are all these things? Which ones
do I have to be folk do I
need to be aware of? How much should
I pay? How much who can receive it?
Because not everybody needs to pay all these
types of charities,
and not all of these charities can be
given to anybody. So there's a bit of
technicalities in this. And the the slides are
a bit detailed, but I'm gonna try and
summarize it very quickly to give us
a, you know, just a high level overview
of some of these charities, and you can
assess
what is relevant to you. And then if
you need to discuss further, you can you
can, ensure that you calculate it. And therefore,
as we said, you want to make sure
that if you have
any financial obligation to Allah,
one of the things that prevents
Ibadah from being accepted
is if your money affairs are not in
order.
A very famous hadith of a man who
comes and he's tired and he's exhausted and
he's dusty. Maybe you can imagine he came
all the way to Arafa and he's pegging
and crying and he's so sincere but Allah
says his money is haram, his food is
haram, his clothing is haram. How can I
accept this person's Ibadah? And so you don't
wanna spend the whole night in salah and
the whole day in fasting,
hungry
and devoted, but because of a financial few
rands and cents that is not halal or
not given correctly, that it nullifies
our acts of Ibadah. So this is an
important matter for us to discuss. And, of
course, on the other side, that if ever
we wanted to give our charity or give
our zakah, it's multiplied
many, many times over in the month of
Ramadan. It's an opportunity to really maximize. So
this is the best time to pay your
Zakah and your charity. So let's go through
some of the definitions first.
Zakah, as we know, this is gonna be
the main focus of our of our discussion
this afternoon. Zakah is the obligatory pillar of
Islam.
It is,
the the
the third pillar of Islam and it requires
us to pay a percentage
on our wealth
to a set amount of people. The definition
is very,
it's very generic. If you ask the ulama
what is the definition of Zakah itself? Zakah
is specific
money
or specific
kind of wealth that must be paid to
a specific group of people at a specific
time in the year, and we'll talk about
that as we go forward. Zakatul fitr only
happens on Eid ul Fitr. You don't have
Zakatul fitr any other time of the year.
And Zakatul fitr, obviously, now that Eid is
coming up, it is to ensure it is
a they will talk about this as well
in detail. It is to ensure
that nobody is hungry on the day of
Eid, that the poor Muslim receives something to
eat, and that every single Muslim who can
afford to do so, while he eats and
he has a nice labarang table, he has
fed somebody as as well. Allah
wants that while you're feasting and you can
have an amazing feast, there's no limits of
what you can eat. However, just make sure
that as you have had your Eid meal,
every single person at the table, whether the
young or the old, they are feeding someone
else on the day of Eid. That is
a kairul fitra. Fidya is a is a
type of penalty. A fidya is a penalty.
This is for the person who is unable
to fast. Fidya is this for the person
who is unable to fast. And,
and I think it's it's
important to differentiate. People want to know they
should not confuse Zakat al Fitr and FIDIA
in terms of of the 2 totally separate
things. Zakat al fitr is obligatory on everybody
who can afford it. Everybody must pay a
zakat al fitr, and it's a set amount.
Fiddiya is only for the person
who missed some days of Ramadan or missed
was and and is never able to fast.
Fidya is for the one who cannot fast
at all. They're either too old to fast
or they are permanently sick.
They have diabetes or they have something where
they have to take medication every day. So
when Ramadan comes around, you need to fast
30 days for Allah. But now the doctor
says, no. You cannot fast these 30 days
because you are sick.
And so you say, okay. The rule is
if I am sick,
then you make up the day when you
get better. If I have an infection,
I miss 1 you know, I have a
flu. I miss 1 week of Ramadan.
Doctor says don't fast. Take your medication. And
Allah also does not want you to fast.
You take your medication, and you don't fast
for that week. Now I have 7 days
of skill as recorded.
What do I do? You fast those days
in the New Year after Ramadan. No problem.
But there are some people who are never
able to fast.
Granny is too old to fast now. In
Shawwal, she's even older. She will never be
able to fast. So Fidiyah is only for
this type of person. And I and I
pause here because there are a of people
who have huge amount of skills, and this
is usually our ladies, our sisters. 1 year
she's pregnant,
then she's breastfeeding for 2 years, then she's
pregnant again, then she's breastfeeding for another 2
years. So 5, 6, 7, 10 years go
by where she legitimately could not fast Ramadan.
Legitimately.
She had a reason for 10 years. Now
she's got, like, 300 days of of skills.
So she would say, it's easier for me
to pay a fidah,
R28 per day,
and be rid of my skills. I don't
know. How am I gonna fast 300 days?
For that sister,
she needs to fast the days. This is
the opinion of all the scholars. She cannot
get away with with a fidayah.
And similarly a person who's been sick for
a long period of time, some people have
a like a cancer,
and they're out of action for like 5
years.
Then alhamdulillah, Allah accuse them. Now they've got
5 years of the of of of of
Ramadan owing to Allah. Very difficult to fast
a 150 days. However, a will not work
here. You need to, to the best of
your ability, fast those days in and all
of this would burden you beyond your means.
You take it in your stride and this
is where,
afidya comes in. So afidya is only for
the person who cannot fast permanently.
Sadaqa is general charity
whether to a Muslim or non Muslim, to
an animal. You give a a cat some
food. That's a sadaqa.
Sadaqa to al jaria. This is a charity
that perpetuates.
It's a charity that does not get used
up in one go. So if I give
someone a plate of food, you know, I
give someone a fish, he eats the fish,
that's done. I give him a fishing rod
and he keeps fishing every day. That charity
continues to benefit me. And there's multiple ways.
And we know the very famous hadith of
Salakatul Jaria.
Could either be a type of wealth you've
given somebody and this this asset remains for
many, many years. You build a masjid, you
build a school, or you participate. You put
one brick. These masajid here in the book
up, you know, 200 years old, 300 years
old, you you purchased one brick of the
masjid and the masjid is standing longer than
you, you get reward for everyone using that
asset.
Or you give something that is not tangible.
You give some knowledge. You wrote a book.
You gave a lecture, and people benefit of
that long. You after you've passed away, that
knowledge continues to benefit you. It's a sadaqatul
jaria. And, of course, another perhaps the best
sadaqahul jaria is your kids that are pious
and they continue to make dua for you.
This perpetuates in your good deeds. It's a
beautiful hadith where Allah dialysis, oh son of
Adam,
there are 2 things you don't deserve, but
I give it to you. There are 2
gifts I give you, but you don't deserve
it. Number 1, when you die, in your
world, you can put a wasiyeh.
So you died.
You didn't wanna give charity while you're alive.
You were too stingy to give it. But
now that I'm dead, I
I say, when I'm dead, I don't need
the money anymore. 1 third goes to the
Masjid.
1 third must go to the Sheikh, Amin,
Insha'Allah. Alright?
So Allah says, you died already. You died.
You didn't wanna give the charity in your
life, but now you want to when you're
in the kabr,
you should technically, the exam is over. If
it's an exam, the exam is over. You
can't give now, but Allah says I give
it to you. You get one last chance
of giving a a a a last last
charity in your will. It's called the wasiya.
And the second thing is
after you've died, people can still make dua
for you. Again, the exam is over. Your
account should be closed, but Allah allows that
you can't get any bad deeds,
you know, but you can get good deeds
inshallah. People make dua for you and people
assist you. So these are 2 gifts Allah
gives. Sadaqa and lillah is the same. So
don't get confused. What's the difference? Lillah and
sadaqa and lillah for the sake of Allah,
it's exactly the same. Even giving a cat,
as I said, you pick up something from
the ground. When the prophet says, a smile
is a sadaqa, a good word is sadaqa.
This means any good deed that you do
that helps someone else or some creature, this
is a sadaqa. So let's talk about the
main zakah.
Yeah. We got a question. Got a question
online.
So the question is, remember all so
Zakah
Zakah al Fitr and Fidiyah are
obligatory
amount. These are not optional.
That's optional. You can say, I don't wanna
pay sadaqa. No no punishment on you. But
you must pay zakah if it is obligatory
upon you. You must pay zakah if
if you are obliged to do so. And
you must pay fidya if you are able
everything in the sharia is if you are
able to do so. So let's talk of
the person
asked, Fidya. So we said Fidya is for
the person who cannot fast Ramadan permanently.
So what do we do? So Allah says
if you can't fast permanently,
then as a compensation for you to still
get the reward of Ramadan,
feed 1 person for every day, one meal,
for every day that you must. See. At
30 days of Ramadan,
you must feed 30 meals. Either 1 person
you feed him 30 times or you bring
30 people, you you feed each one one
time up to you. You must just feed
30 meals,
and that's why every year, the feeder amount
changes. What is a meal? Is a meal
a streetwise too? Is it a happy meal?
All I might come together and they say,
look. A reasonable decent meal for now is
R28. That's what the figure is. If I
look at correctly the the calculation, R28
is the value of a reasonable meal for
1 person.
So you need to feed 30 people, so
you have to 28 times 30. Now someone
put on the line, I can't fast shirk,
and I can't afford fidya. I'm poor. I
myself need zakah. So what do I do?
In that case,
you have no obligation to fast and you
have no obligation of fidya, and Allah subhanahu
wa ta'ala does not hold you accountable. Your
obligation to Allah is sorted and you get
the full rewards.
Your niyyah was there. Your niyyah was there.
Someone might say, look, I can't pay the
fidia for the full year, but I can
pay fidia maybe for 2 people. For the
full I'm I'm supposed to pay fidia for
30 30 people, but I can't pay it.
So I will but I can only feed
2 or 3 or 5 people. Well, alhamdulillah,
you pay Fidya with what is in your
capacity. Also, remember, Fidya does not need to
oh, that's important. Fidya does not need to
be paid by Eid.
Zakatul Fitr must be paid before Eid Salah.
Zakatul Fitr that's why Zakatul Fitr is a
time constraint. The Talib has a lot of
headache because we need to make sure
before the imam begins salah on the day
of Eid, it must be distributed to the
poor.
It's too late. Whereas fidya, you can give
fidya
next month,
6 months' time. Inshallah, before the next Ramadan,
you need to give fidya. So maybe you
can say, look. I don't have the fidya
now, or every month, I will feed 2
people. Every month, R28.
So this is not bound. You might not
be able to pay 30 days of fidah
now in Ramadan. Some people especially old people,
they depend on their sasa.
So for them to pay 30 times 30
you know, what is that? 900? It's a
R1,000. It's a bit difficult for me to
pay in one go. That's my old sasa.
But inshallah, I can pay every month of
50 rand. That's fine. That's fine. And you
do what is within your ability to give.
SubhanAllah, I don't wanna digress, but Allah mentions
in the Quran
when the time for jihad came.
And some suhaba, the battle of Tabuk was
the most, severe in the sense of needing
to finance the battle of Tabuk. And the
prophet called people, come. Give give your zakah.
Give your your your because the the army
can also receive zakah. Give your sadaqa. Come.
This is your chance to get Jannah. People
gave and a man came, yeah, Rasulah. I
only have 2, 3, one date. It's all
I have. One date I'm giving it. And
the munafiq looked at the sahaba and
laughed at him. What is this one date?
And Allah mentions in the Quran
that even this Allah
loves this so much that this man gave
whatever he could. It's all I have. I
look in every cupboard. I only have this
one date. You Rasool, this is my contribution
to the cause. Allah subhanahu wa ta'ala love
this so much. He mentions in the Quran
that this is, this is so beautiful,
taqwa. So let's talk about the main type
of zakah, because this is a bit complicated.
The main zakah, which
is the pillar of Islam. What does the
word zakah actually mean? Zakah means to purify.
It also
it also means to
to to to honor Allah and
to not boast about yourself, but Zakah actually
elevates you and it also means to grow.
Zakah means it benefits and grows.
So the one who receives Zakah, obviously, he's
been upgraded financially. He didn't have money. Now
Sanzaf gave him some zakah. Now, has some
money. But the one who gives zakah, Allah
puts barakah in your money. Yes. Your bank
account looks, up. It dropped by a little
bit. No. Allah put barakah in something else.
You made sure your that accident that was
in your decree is now taken away. That
sickness that would have come, that bull that
would have come out of nowhere. Allah
preserved your wealth in another way. In other
hadith, the prophet says, Zakah, if it remains
in your wealth, it spoils it. That's not
your money. Remember, the minute Zakah is due,
you need to pay Zakah. You need to
get rid of the Zakah quickly because it
kind of contaminates
your wealth, and therefore, it's it's it it
takes away the barakah.
So this is what zakah,
the linguistic meaning and I'm not gonna go
into the the technical meaning. As we said,
it's, the the definition is very generic. It
is, it is a specific kind of money
to be paid to a specific kind of
people at a specific time who is not
from the family of the Nabi Salam. The
prophet's family cannot receive zakah. Okay?
It is one of the pillars of Islam.
And
one,
so now we ask, if we jump quickly,
Ubaid, when is one liable to pay zakah?
Who is liable to pay zakah?
When do I need to pay zakah? Now
the same way, now maybe let me take
you back to Salah.
You have 2, 3 children. 1 is mukhalaaf.
1 is not mukhalaaf.
1 is mukhalaaf, but they are, you know,
intellectually disabled. Now we ask who must make
salah, Sheikha? He said, look. We encourage all
of them to make salah, but only the
one who is mukallaf
and is sane and able, this person,
he's obliged to make to salah. He must
go for Jumuah. The others, they for speaking.
You know? So we ask so in every
chapter of Islam, we ask who must fast?
Who must make salah? So who should pay
Zakah?
If you meet these conditions,
then Zakah becomes due upon you. Number 1,
you must be a Muslim.
Non Muslims don't pay Zakah. So if we
had an Islamic state, there's a Khalifa, we
don't take Zakah from the the the size
of the Muslim, The Baytul Ma'l does not
take zakah from the non Muslims.
They live in our our our borders. They
pay a special kind of tax for non
Muslims. We protect them. They're not they're not
required to join the army. They get the
benefits of the state. They can use the
roads. They pay a special tax, but they
don't pay zakah. So this is only for
Muslims. The person must also not be a
slave. Now, alhamdulillah, this doesn't apply anymore because
the slave, he himself is owned. He doesn't
have his freedom. So Allah is not going
to tax this even though the slave might
have money. It's possible. A slave might have
savings.
Slaves sometimes got paid or they got gifts.
But Allah
in his kindness says, how can I ask
this man to pay
charity when his own life is held by
someone else? So the slave is not required
to pay his zakah.
Number 2. Number 3, you must possess a
minimum amount of wealth called an isaab.
This is where it becomes technical.
You say, okay, I'm a Muslim, I'm not
a slave,
must I pay Zakah? We said, look at
how much money you have
in your bank account, in your investments.
If that amount has reached a limit called
a nisaab
called a nisaab, if you've reached if you
have
nisaab amount or more, then your money is
now liable
for paying zakah.
The nisab will mention every year the nisab
changes, will explain what the nisab is, how
much is it now. So this is the
minimum amount of wealth
upon the items which are zakatable. Okay.
It's very complicated here.
Zakah
is only
calculated on specific
amounts of wealth. So if you if you
if I ask yourself, what kind of wealth
do you own? If I did your will?
You know, you, we should have our will
in order, but if you were to do
your will, you put down what money I
own. So you own a property, you own
a house,
No.
Zakah is only on your kind of liquid
cash,
your investments,
your money in your bank account, if you
have some money in the safe.
But your personal use asset,
the assets you use each day, the car
you drive, the clothes you wear, the house
you are living in, there's no Zakah on
this personal use asset.
Also, if you have a second third property
or holiday home, if these are used for
living,
there's no Zakah on it.
Also, Zakah is not
calculated
on your income, you know, on a tax.
SARS looks you earn a R10,000,
I'm gonna charge you a R1,000 tax.
Zakah is on
wealth,
how much wealth you have. Now what's the
difference?
You can earn a R1,000,000,000
in and you spend all of it
in whatever you spent it. Even if it's
halal fund, you traveled the world. After the
end of the month, my billion is gone.
No Zakah on you. I don't have Zakah
to be paid. Zakah is on the savings
that you have. That's a big difference. Allah
Subhanahu Wa Ta'ala does not take from your
income. He takes from the excess.
After you earned and you ate and drank
and spend and enjoyed and did everything, now
if you have leftover,
that leftover, if it reaches called nisab,
now this amount becomes Zakatable.
And then Allah also stipulates that nisaab must
have been there for 1 year.
You must have been in that position. Your
bank balance must have been above nisaab for
the whole year. Only then are you required
to pay Zakah. Because it might have been
that for, you know, a relative passed away,
you got inheritance, a R100,000
For that day, your nisaab was you were
more than nisaab.
That day, your your your your net value
was over the nisaab.
But after 2, 3 weeks, you started paying
that. You paid off your debts. You bought
something. Now my I don't have nisab anymore.
Do I need to pay zakah on that
day that I owed nisab? No. Only if
your balance stayed above nisab for 1 year,
then you are Zakat able. Now it's important
those are the four points. Muslim,
not a slave. You must have more than
Nisab, and then Nisab must be there for
1 year. What is excluded here, which is
different to other pillars, it doesn't matter if
you're mukhanalf or not.
There are some people who are very wealthy
and they're not mukhanalf.
You know, their parents gave them a a
trust. Their parents or they got an inheritance.
Or the person, missus auntie so and so,
uncle so and so, they have savings in
their bank account, but now they are in
the old age senile.
They are are are they're not mukkala from
an intellectual perspective. They have Alzheimer's. They don't
come to the Masjid and make salah. They
don't fast, but somebody must take zakah out
of their money. They are still liable for
zakah. Zakah is on the money and not
the person.
So you must just be a little bit
careful here.
Mukal being mukalaf is not one of the
requirements of Zakah being eligible, being payable.
It is if the money has reached the
level, then we pay Zakah.
Okay.
The next, we'll talk we'll do the calculations
a little bit in detail, but I must
also remember
when you pay Zakah
when you pay the zakah, the niyyah of
zakah must be there. I'll give you an
I'll give you an example.
A guy comes, you know, a relative,
a cousin,
nephew, whatever, and you can give to a
relative. We'll talk about which relatives you can't
give to inshallah. Your relative comes and say,
lend me a a R1,000.
So, okay, here's a loan.
Now that relative is supposed to pay you
back
after after 2, 3 months, I can't pay
I can't pay eventually. They said, you know
what, I can't pay you. So now you
say, okay,
I'm supposed to pay a R1,000 Zakah, calculated
it. This guy is not paying me my
R1,000 back loan. Yeah, Allah, that's my
Zakah. When you gave it to that man,
was the niyah Zakah? Was the loan?
It's a loan. So now that doesn't count
as Zakah.
The Zakah only counts when you give so
if you for example, you calculated your Zakah
calculation, you made a mistake. Right? You you
calculated, I'm only supposed to pay a R1,000
Zakah, but you forgot a 0, which should
have been 10,000 rand. So now you paid
your 1,000 rand. Now during the month of
Ramadan, I've been giving lillahiya, sadaqa there, been
giving all
of these things, sadaqa, sadaqa, sadaqa, sadaqa. Then
you realize, oh, yeah, Allah. I still have
to pay more zakah. You can't say now,
oh, but I paid €9,000
sadaqa, I'll make that zakah. No. The niyyah
was not for zakah. So now you still
have to pay zakah. This is very important
to ensure
when you pay your zakah, Zakah,
zakah.
So that is very clear for yourself and
the person receiving it. This money is specific
for Zakah because zakah money is very, very,
sacred. So the niyyah must be there.
Now
how do I I calculate my zakah? This
is the this is the technical part. And
does anybody here run a business?
Own a shop? Run a business? But, okay,
online, there might be some people.
So Zakah is calculated
on the type of wealth you own.
Zakah is calculated
depending on the type of wealth you own.
For most of us, the only wealth that
we own
is our personal assets, our house, our car,
our clothing, and our money in the bank
account. Maybe if Allah has, you know, blessed
us with a little bit, we might have
some extra amount in some investment
account, invested in some pension or whatever.
For this, as we said, it's easy. Liquid
cash, gold, silver, money, fiat, all of these
things, cryptocurrency
today as well. It's very easy to calculate
zakao on that. You sit down with all
your bank accounts.
You look at how much money do I
have in all my bank accounts,
how much money do I have in my
investment accounts that I can access? Some investment
accounts you can't access, like your pension. You
can't take it. So if you can't access
it, it doesn't count.
Pension, no zakah on it according to,
inshallah, the the the better opinion because you
cannot pay Zakah on money you don't have
access to. Yes. Your pension might be
a 100
or a R1,000,000 sitting there in the pension,
but how do I pay 2 and a
half percent on a R1,000,000 if I don't
have access to that money?
So only money which you can extract relatively
easily, even if there's a small penalty, you
will pay Zakah by kalpa. Looking at all
these amounts, you will look at how much
money I have in my bank, how much
money do I have in my investment, and
you calculate 2 and a half percent.
What about loans?
Loans owed to you.
So you've got money in the bank,
R10,000. You've got cash in the safe, R5,000.
Someone owes you
R1,000.
You have a cousin who owes you a
R1,000. Should that be part of your wealth
that you count as zakah?
Yes, it should be. So long as you
are confident that it'll be repaid. If that
person has owed you for, like, 10 years,
you don't know where they are, when that
debt is written off, there's no zakah on
that. But if you're confident the person will
pay you, then that is included. That's wealth
that you can almost convert to cash easily.
Now
R2,000,000 in my sharia compliant bond. Sharia compliant
bond only.
Right? I stress that very, very much. You
can have debt. Debt is not haram.
You no one can so how it's very
difficult to buy a house cash nowadays. Almost
impossible. It's impossible to buy a car cash.
So I have a car. I have a
house.
I owe the bank. FNB Summit Finance, Al
Baraka Bank. I owe them R5,000,000.
So you see my bank account, I have
a R1,000,000,
but I owe the bank R5,000,000
to Iperisaka.
We split our debt in terms of
long term debt, debt that will take more
than 1 year to be paid, and short
term debt. Short term debt is you got
your
rates bill from the council. By the end
of the month, you must pay a R1,000,
short term debt. You have your TV license
to pay, short term debt. You have school
fees to pay for the month, short term
debt. Anything that must be paid within the
month or 2, 3 to to 2, 3
months, that you can deduct from your
bank balance.
It's better to actually pay it and then
calculate your zakah. Or if you say, look.
I'm not I can't pay my like, usually,
people wanna pay their zakah in Ramadan. Now
Ramadan, like now, or the last late of
Qadr, it falls now at the beginning of
the month. You know, at the end of
the month, I'm gonna pay my TV license
or I'm gonna pay my school fees. I
can't pay it now.
That you can deduct. Are you following? It's
a bit complicated now. You lost.
Now we're following. Alright? So you take your
money in your bank minus your short term
debt
that becomes your zakah
zakah amount that you will pay, but you
can't deduct your long term debt. You can't
deduct your bond
or your car,
repayment.
So that is with regards to most of
us. That's the kind of wealth we have.
Some of you, if you own cows, livestock,
sheep, camel, then Zakah must be paid on
this. You must take
for every
100 camels or 2 and a half camels.
Like, for every 200 camels, you'll take 5
camels, and you'll give that to the Beit
Umar, that is your zakah. The same with
crops. If you're a farmer, you will calculate
zakah on your produce.
Now why?
The sharia makes it easy for you. If
you have let's just think about it for
example. You have cows,
But now you calculate these cows are worth
R10,000,000.
Now I need to pay what is 2
and a half percent on R10,000,000. I think
it's like 2 and a half 250,000 if
I'm not mistaken. And so how much is
a car I need to pay
on it? Now you might say, I don't
have 2.50 k in the bank. I have
cows. I don't have cash.
If you had to pay cash, I must
first sell the cow then get the money
then pay it. It becomes complicated. So Allah
allows you, pay zakah on the type of
money you have. You have cows? Give cents
of cows. That's easy.
You have cash? Give cents, have
cash. Otherwise, you are going to be burdened
by having to convert
your wealth into another type of wealth.
Now another area that is perhaps relevant to
some people listening, they own a business.
They own a business. I own a shop,
a corner shop. In the shop, I have
my groceries that I sell. I have a
factory. I've got stock in there. How do
I pay zakah if I own a business?
If you own a business and you're running
the business, you're operating the business, that business
is
a a trading business,
not an investment business.
But a bit here. Some people, you
own a business and you run it, and
you get profit each month.
Other people, they don't own businesses. They just
own investments.
I don't know how what I I own
shares in Telkom. I own shares in Woolworths.
You don't own a business. You own an
investment. 2 different types of investments here. For
the guy who owns the shop, he owns
the factory, he owns the the,
abattoir, whatever it is, you need to pay
zakah on your stock.
You pay zakah on your inventory.
So
the brother here, this, Bangladeshi brother here on
the corner, he must at the time at
the end of the year, he must calculate
how much is the value of all my
stock on the shelves in the fridge. How
much do I have? He said, okay. The
stock in the shelf is a 100,000 rand.
You must pay 2 and a half percent
on that stock.
Okay? So if you own a business, you
pay zakar on your stock,
you pay zakar on your inventory,
your work in progress, your debtors, all of
that will be part of your zakah. If
you don't, you own investments in companies, masha'Allah.
You pay Zakah on the value of the
investment.
So if I own so look, for example,
let's say, Woolies shares
is R80. I own 5 Woolies shares. I
don't know how much stock is in Woolies.
Must I go and say, Woolies, I must
pay my zakah. Tell me what is the
value of your inventory.
It's not gonna that's not gonna
work. So you can't for when you own
investments in companies, you don't know how much
inventory they have. You don't know how much
stock they have in the shelf. You don't
know how much inventory they have in the
in the storage.
You pay zakah on the value of the
stock on the share. The share is worth
a R1,000, you pay 2 and half percent
on the value of the share.
Any questions? I know it's complicated technical, especially
when you're fasting. These numbers are are complicated.
And as I said, these are just high
level stuff.
Most likely, people, if you have a specific
question, you'll contact me. If you don't have
any investments in companies,
don't don't you don't need to pay attention.
You don't have any stock,
don't pay attention. If you have money in
bank, then we talk. Otherwise, it's just relevant
to those who are in need. So now
now we know the type of money that
attract zakah. We said your personal assets don't
attract zakah.
Sorry. There's a question on top?
Yes. I hear question on top.
Yes.
Yeah. Okay. There's a question on top.
I have a notion I just wanted to
find out. Yes.
You've got a savings in your investment.
Mhmm. And,
you can redeem from that money. Yes. You
don't?
Yes. You're doing so far every month. Yes.
Do you still need to,
give more on what is what your investment
is?
So, I I believe the question is I've
got an investment.
Say, I've got an investment with Al Baraka,
FNB, whatever. It that investment generates income.
So let's have a R1,000,000 in there. Each
month, R10,000 comes in as an investment.
Now what you need to do at the
end of the year, you calculate how much
zakah should I have paid for the year?
I should have paid 50,000 rand zakah. Now
you look. How much did I pay during
the year? During the year, I paid zakah.
Every month, I paid 2, 3,000 rands zakah.
That's my nia. Now you say at the
end of the year, I've paid R40,000
zakah.
Based on my investment, I should pay R50,000.
So now I have a difference. I pay
that extra.
If you pay more than you were supposed
to.
And that's what many people do is, like,
look, to take a R30,000
whack
in Ramadan
is a bit heavy, but every month, I
can pay R2,000
on my investments.
So
then you will calculate
how much did I pay versus how much
I should pay. If you've paid more zakah,
that
extra is for you.
That extra is for you inshallah. That is
you you got an extra reward for that.
If you want to actually carry that benefit,
that that that extra paid into the following
year, that's also permissible. But, ultimately,
just make sure you're not short on your
zakah. Did that answer the question?
Okay.
Remember, zakah calculation is annual. It's not monthly.
Because your monthly
today, you get a bonus from the company.
Now you have a lot.
Then at the end of January,
everyone's
bank balance is low. So it depends that's
why Allah has made it for 1 year.
You look at your average. What was your
your amount over the year? And that sort
of gives you a a more realistic kind
of view. So now that we know what
assets are, you must for every single person,
you must sit down and know what your
assets are. What do I own? And you
make a column. This is not zakatibil.
My house,
my car,
my furniture, my clothing,
my personal use no zakah on that. I'm
not gonna even look at that.
On the other column, these things will attract
zakah, my investments,
my cash, my money in the bank, my
stock in the business, my investments. This will
attract zakah. What debts can I deduct? My
long term debts, I can't deduct it. My
short term debts, I can deduct.
Now you calculate
what is the net amount. Now you calculate
the net amount payable in terms of zakah.
If that net amount
comes to what is called the nisaab,
then you must pay zakah on that amount.
How much is the nisab? That's a very
technical kind of conversation. I'm not gonna go
into the details.
The NISAB is either based on the gold
price or silver price.
Gold and silver, of course, are different price,
and therefore, you have 2 types of NISAB.
You have a low NISAB and a high
NISAB.
Now
why is there a low NISAB and a
high NISAB? What's the wisdom in that? For
those who
if you have the nisaab is low let's
just ask them, ask a question. If the
nisaab is low, do you pay more zakah
or less zakah?
If the threshold is low
nisaab. Then more people pay zakah. Right? If
the threshold is high,
then less people because less people have NISAB.
And therefore,
in a way, the scholars have allowed this
way. You look at NISAB in gold. It's
the higher threshold. If you feel, look, I'm
not by the means, I'm rather gonna use
the gold Nisab, and therefore, the threshold is
higher. I'll pay zakah only above that.
Up to you. And for some people who
say, Sheikh, I can't pay that nisab, but
I wanna pay zakah.
I want to give zakah. So there's a
there's a there's a lower nisaab as well
for those who genuinely want to give. So
to show, I also want to participate in
giving giving zakah. There's a low nisaab as
well. You can pay as well. So the
nisaab
we let Senza calculate this each year. What
is the nisaab this year, Ubaid? Would it
be?
The Nisab this year, we took a picture
of the Sanzaf Nisab. If you don't know
what the Nisab is this year. So
according to Sanzaf,
on the 6th April 2024, 28th of Ramadan
14:45,
the gold lisab is a 122,000.
So if your assets,
zakatable assets, all your bank account balances, all
your investments minus your short term debt is
less than 122,000,
you don't pay zakah. Zakkah. There's no you
didn't meet any sharp threshold.
That's based on gold. But based on silver,
it's R10,000.
Now you can see, for most people, they'll
say, I don't have a 122
a 122,000
sitting in the bank. I don't have to
pay zakah.
But most of us might have the silver
nissab.
And this is where, inshallah, your your taqwa
kicks in. Look, these are both permissible. It's
not to say, if you say, look. I'm
taking the golden ishab as my ishab.
If you take it as as that, and
therefore, I have no I'm not zakah eligible,
well,
this is an opinion, and this is an
acceptable opinion.
What a sense of conclude.
Right?
Yeah.
So we leave it discretionary. Prophet
gave Nisaab in 2 amounts.
The prophet gave Nisaab in 2 amounts. And
what this call is, of course, the best
way of doing this the best way of
doing this is to first ask, do I
meet the
whichever nisaab will will maximize my zakah liability?
Which nisaab I use that will make me
pay the biggest zakah. This is the best
thing to do. Of course, that is the
best thing to do, but it's also for
those who can't afford
the higher nisaab, you work on the lower
nisaab. Or the lower nisaab, you pay the
higher nisaab. Inshallah, this is, so for for
your purposes, those are the numbers that you
should remember. When you do your calculation,
if it exceeds
122,000,
you have to pay zakah or 10,000 based
on the silver,
and isab.
We spoke about personal wealth
assets, in the next slide. You don't pay
zakah on. So, SubhanAllah, just think about this.
What do you pay the government in terms
of taxes?
Too much is the answer. I always I
always, you know, think about this, subhanallah. You
pay the government
15, 20, 30 of your 27%.
Some people pay 45%
of their income.
Before I paid my medical, before I fed
my children, before I paid my medical bills,
I'm sitting in the hospital dying, but I
must first pay the pay SARs 45% of
my income.
Then
every transaction,
when I buy a loaf of bread, I
must pay 15% to the government VAT. When
I put petrol in my car, I must
pay the government something.
And the government taxes both sides.
You
sell the house,
I must pay the government capital gains tax.
You buy the house, I must pay transfer
duty. The government taxes both sides of the
coin.
SubhanAllah, when you look at how much you're
paying in tax,
most likely you're paying more than 50% of
your income.
Only says 2 a half percent
of your extra wealth.
Even if you have 10 holiday houses, that's
for your personal use. No zakah.
You went on holiday after holiday
and you have nothing left? No zakah. Really,
Allah
has made zakah
so so simple and easy.
And and as we said, it is for
us. It's not for him.
And, ultimately, it comes back to him. So
we either give it now and we get
the reward for it, or it's taken back
when we pass away and we didn't we
lost it. So Allah has not made it
difficult on us where he where he put
zakah on our personal wealth.
Jewelry
jewelry is a complicated one. Is jewelry
personal wealth? Is jewelry like clothing? Or is
jewelry an investment?
Here's a question.
Your wife
you've given your wife
a set of jewel a jewelry set, necklaces
and rings and all that. Is that like
clothing
or is that like an investment?
What do you think?
Well, as you can see, it can go
both ways. You can look at it from
both perspectives. It's more like jewelry, clothing. I
wear it. I use it every day. And
for others,
no. This is gold.
Just because it's in the form of a
ring, it's still gold. The price can go
up and I can sell my jewelry set.
You some people use the jewelry to store
their money. And that is why this debate
between the madhayib. The shafi madhayib said, no
jewelry. The ladies wear it as a the
same way she wears her clothes. We don't
pay zakah on her on her abaya. So
why should we pay zakah on her clothing,
on her jewelry? The Hanafi says no. The
jewelry is like your Krugerrand that you have
in the safe.
That when the value goes up, you might
actually sell it.
And so,
of course, the safest thing is always to
pay zakah on your jewelry, but there is
enough scholarly debate to say, if my jewelry
is used and some people know this. In
certain
wear it. They leave it in the box.
It's never get worn. That is clearly an
investment.
But the jewelry, the wedding ring that the
auntie wears every single day,
you know, that is more a personal use
asset. Inshallah, there's no Zakah on that one
and so it's again
Insha'Allah.
This is the way the madayb,
look at different types of of of of,
wealth and how it is used, the intention
behind it.
Let's talk about land quickly.
Masha'Allah, I don't know. For those of us
who own properties,
investment properties. So let's say, yeah, okay. I
have my house, but I also have a
flat
that I rent out. I've got a property
or holding somewhere and I rent that out
to tenants. Must I pay his account? Because
I don't use it. So we said, any
house you are using for your own personal
entertainment, even if it's a holiday house, even
if it's a, you know, a family,
holiday place. You don't pay Zakar on that.
But now what if I have a house,
but I'm and I'm renting it to tenants?
This is not a personal use asset. It's
an investment now. Yes? Must I pay Zakar
on that?
Rental
if that rental
reached the NISAB after 1 year. So the
tenant paid me R10,000
every month. If I took the 10,000 and
I paid it and I used it, I
paid my school fees, whatever, no zakah. But
if after I cal I collected that R10,000,
I put it in a rental account. It
stayed there. It accumulated.
Now after 12 months, that rental amount is
sitting there. It's more than a R120,000,
more than an isaab, and now I pay
zakah on the rental
savings.
Then you pay zakah. You don't pay zakah
on the property. The property is worth maybe
2 2,000,000 rand. Yes. Property is worth a
lot. You don't pay Zakah on the property.
You pay Zakah on the income.
And this is really the case. Yes?
Issue is that, obviously, unless you
are not leaving for the most of the
time,
you probably only gonna utilize or leave there
also.
Yep. And the rest of it is either
empty or you rent it out, then it
would still
be falling under this category of
getting an income from that
property.
So remember, if you
if you have 5 cars,
one never gets used, you only drive it
Sunday. Do you pay Zakar on that car?
No. So the other day house that sits
there unused,
no zakah on that. SubhanAllah, this is Allah's
mercy. Yes, we ask the brother and you
don't have to pay zakah, but surely if
you've got a holiday house sitting there in
Lindad now and you're not using it,
it's actually spare. You must be paying you
need to do a lot for the ummah.
You need to do something for the ummah,
but we can't say that man has paid
zakah. I know part of us feel he
should be paying zakah on that. I said,
no. That's not zakatib. It's his personal wealth
asset. If he rents it out,
then yes, he'll pay zakatibol on the rental
money,
not on the value of the property. He
could that value of it could be 50,000,000,
but he's renting it out to his cousin
for a R1,000. He'll pay zakah on that
1,000 that was accumulated
over the year.
If, however,
this person is in the property buying and
selling,
he owns 10 properties. He sells it. He
buys new pro his business
is buying and selling property. Now the property
is like his stock.
Yes? One person's stock is bread. He buys
and sells bread. We tell the the buyer
on the corner, you calculate how much stock
you have, you pay his account on that.
For the property tycoon, he's buying and selling
properties.
That's his stock.
Zakar
on the value of the property.
There you must. It almost looks like
preventing new things that are new
because if I have that asset
in the bank,
as a Molinda or 10,000,000 rand in the
bank,
Instead of paying Zakat as if I have
property,
can I pay it to my personal use?
There's many ways of loopholes. There's many loopholes.
I can say, listen. I have I'm looking
at my Zakah calculation, and this happened in
the time of the Sahaba even where
it's up to you of your own taqwa.
I can see, oh, I've got zakah to
be calculated here. I'm going to give it
as a gift to someone else. So I'm
gonna buy something and just to get rid
of the Zakkai liability, and then tomorrow it
comes back to me.
You know? I take the opinion, jewelry is
not Zakkai eligible. So now I buy,
you know, 10 boxes of jewelry.
No zakah on the jewelry. Now I sell
it again tomorrow, get the money back. I
say, oh, I wasn't if you want to
be technical,
Allah, Allah will be technical with you. But
that's why zakah
yes. In a sharia state, if you are
the government, it is the obli obligation of
the zakah collector. You must submit like a
return, and they will assess it, and they
will discuss it, and they will look, this
doesn't this is not gonna count. You made
a mistake. Go back. Back. But in the
absence of
a
a auth authority,
it is up to every single person
to check his own near.
For some person, we might say, now we
shouldn't close the door because there's an abuse
to it. A person might say, look, I've
got a 1,000,000 rand and I or, you
know, R100,000,000.
I must pay zakah, but I genuinely that
building just became available. I need to buy
it now.
I was gonna pay zakah, but the deal
came through. I made laylatul Qadr. Yeah. Allah,
let that building come. The next morning, the
guys are willing to sell that property for
half the price.
Do we say now, no. No. No. No.
You must pay that Zakah. You can't buy
that building.
The man's niya was genuinely sincere. I wanna
buy not to escape zakah, for that's a
business transaction. So we can't whack him twice.
We can't say no. You the niyyah is
taken and inshallah, that's why every person must
check your niyyah. If you want to be
technical, look at the end of the day,
no one is even going question you if
you paid zakah or not. We don't know.
Today, it's up to you. You can simply
say, I don't wanna pay zakah. If you're
gonna go through all that rikmarole
to try and cheat or you can't you
can't outwit Allah
then it's better for you not to even
pay zakah, you know, in in that sense.
You know, you can't if you know I'm
trying to cut a loophole that is to
deceive Allah Subhanahu wa ta'ala, you can't do
that. So inshallah, there is obviously where the
niyyah comes in.
Like any act of worship,
it's like if I'm going to it's like
the man who shows the world I'm fasting,
but he's eating back home. Why why you
go through all this? It's it's who are
you deceiving? Okay. So the same thing. It's
like every act of Ibadah. If the niyyah
is not right, it won't be accepted from
you. So yes.
But what I also want to bring across,
when you look at the Zakah rules, you
almost feel it's too lenient, you
Allah. You're almost too kind on the wealthy.
You should be stricter on them. You must
tax them more. But Allah subhanahu wa ta'ala
does not want that for us. Allah subhanahu
wa ta'ala encourages you to give as much
as you can in charity,
but on the obligation which you must give
is very, very minimal, and he leaves the
rest up to you. It's up to you
how much you want to give. You can
give half your wealth, whatever you want to
do. That's up to you, but Allah is
not going to impose that upon us. Now
let's go to paying Zakah. So now we
know how to calculate
Zakah. When is my Zakah due?
Paying Zakah, who can receive Zakah? We know
in Surat Tawba, there's an ayah where Allah
stipulates there are 8 types of people who
can receive Zakah, 8 categories of people.
And again, not to go this is Sanzaf's
headaches.
For most of us, we don't give Zakah
directly to the recipient.
I don't think so. Most of us, we
give it to an agent. Sanzaf is an
agent. They collect zakah In the in the
Islamic,
time when we had an Islamic state, we
gave Zakah to the Bayt ul Mal.
We give them the camels and the money
and the crops. They then take it and
they distribute it because it's difficult for me
to know who is eligible or not eligible.
I don't know and where the need is,
but we collect it in one area. And
this baytul mal, they give it in the
best possible way, and they are responsible for
distributing it. Today, we've got organizations like SANSAF
and like Masajid. And if you collect Zakah,
you as the agent are responsible. Allah's gonna
hold you accountable for distributing. When you paid
it, you're
free. If you paid Zakah to SANSAF
and Sanzaf
didn't pay that correctly,
you are free and your obligation is is
is paid to Allah. That now falls on
the collecting party. So who must sanzaf or
the masjid, whoever collects zakah, whom must they
give zakah to? Eight categories. Allah says the
fuqara and the miskeen, the faqir, the poor
and the needy.
The poor and the needy. And there's a
technical discussion who is poorer than who. But
for in general, we'll just say people who
are poor.
Muslims
who are poor, they can't meet their daily
needs. They can receive Zakah.
And the amilin amilin means the people who
work in the Zakah
in Sanzaf. How do I pay the salaries?
Sanzaf doesn't have other kinds of income. They
receive zakah.
1,000,000 and millions of zakah comes in, but
they need to employ accountants. They need to
employ,
bookkeepers and IT people. How do we pay
these people?
If we don't pay them out of the
Zakah money, their salaries,
then we're not gonna have sanzaf. So Allah
allows the the guys who are working in
the Zakah business or the industry to be
paid a salary. And, of course, again, there's
room for exploitation.
You find people
some organizations, they receive,
say, a R100,000
of zakah. They say, look. My salary is
R70,000.
So I will take my R70,000
of zakah, and I'll pay the 30 to
the poor.
There is this conversation where what is a
reasonable amount of salary? We have to pay
people what is what they do, but also
not exploitation.
And the,
this is interesting. We can pay zakah to
non Muslims. The only type of category all
of this is for Muslims. It is for
non Muslims. Well, even
if non Muslims work in SANSA, they can
also receive zakah. The this
is where you give zakah to non Muslims
to bring them closer to Islam.
We give zakah to non Muslims to bring
them closer to Islam. And the fur rikab,
when we had slavery,
we should allocate zakah to slaves to set
them free. We buy slaves and set them
free. This is one of the categories that
must receive zakah.
Those who are in debt, those who are,
you know, somehow the house burned down or
something,
the
army. And
a person and this is maybe in the
past. I don't know how relevant. This is
how it can be relevant today. A person
might be a millionaire. He's got assets and
plantations and investments in his country. He came
to South Africa on holiday, and, you know,
his his money got stolen. His he doesn't
he doesn't have access to his wealth, So
he's stuck here in South Africa. I can't
get
home. Yes. He's a billionaire, but I can't
get my money. So he goes to San
Safa and say, look, can I get some
zakah?
And I can go home. This person can
receive zakah for the traveler who is stuck
somewhere.
Even though at home he has the money,
he can get zakah.
So I won't go through all these categories,
in detail.
Suffice to say that it is up to
have a relative
who is poor.
If I give it to Sanzaf,
they will pay to whoever they feel is
in need. But I have a relative. I
have a I have a brother or I
have a nephew or I have a cousin
who I believe is poor. Can I pay
them, or must I give it to Sanzaf?
So when you pay zakah, you can pay
zakah to relatives.
You can pay zakah to relatives so long
as it's not a parent or a child
or grandparent or grandchild.
Basically,
you would not pay zakah. You would first
if my father,
or someone has a financial need, you pay
the need of your father or the need
of your child. If after I've paid my
the needs of my family, I don't have
any muzakal if I'm below the for
you.
So you first take care of the needs
of your family.
If you have excess and now you need
to pay zakah, yes, you can give a
brother.
You can give a cousin. You can give
an uncle. So no one no
parent or child and usually a spouse also
should not be given, but even in the
a lady might give to a husband. That
is also a we can, you know, check
on that one. But you can give zakah,
and insha'Allah, it's better to give zakah to
a relative in need than someone outside, a
stranger in need. Okay? So
but what is important is that zakah for
the needy is for the Muslim needy person.
It must go for the Muslim needy person.
Sadaka can go to the non Muslim. Can
go to the non Muslim. No problem. But
sadaqa and zaka'atul fit sorry. Zakah and zaka'atul
fitr
is only for the Muslim needy person.
Insha'Allah, I think,
Yeah.
It it's possible that I can inherit it
from from my brother? Yes.
So I can actually get both from him
and he
on the same side could get
Yeah.
Because ultimately,
if he dies and he is in debt
and I'm an aid, then I will have
to
settle it.
Yeah. And I can't settle that date with
my sister.
Yeah. So that's why,
as we said that when you you can't,
there's again a manipulation here
that I can't say I have to pay
10,000 nd Zakah,
but I'm gonna give it to my children
or my wife.
My children, they don't own any money. My
children have no assets. Technically, they are Zakah
eligible because they don't have
any money of their own. I can say
their fees are for themselves.
So now I put my fees on my
kids, so I pay zakah to them, and
then they pay the fees. That is a
loophole it's trying to get. Those are dependents.
You are responsible for their needs. But I'm
not responsible for my brother's needs, technically.
If my brother is bankrupt
and he asks me for money and I
don't give it to him, I'm not sinful
for that. I'm sinful if I don't give
my my kids or my my my mom
is starving. Then I'm sinful. But for my
brother, my sister, my nephew, my uncle, they
are obligated on their own. They are responsible
for themselves.
So
where you are not
required to take care of their needs,
there you can give
zakah. But you cannot give zakah on someone
whose needs you need to already be taken
care of. I hope that makes sense.
I know the answer to the question.
But the the point is,
why would you okay. I think the point
that is mentioned here by Shaimel
is that,
that if if you are not if your
brother is in need and he dies, then
that need will fall on you. It could
fall on you as as the
You can also inherit deaths, you know, possibly.
So you would rather wanna support a relative.
Otherwise, it could fall on you eventually when
they pass away. So yeah.
So here's zakah. The point is, as I
said, for most of us here, we don't
have to know the 8 categories of Zakah
because you are not going out and distributing
it. That is what SANSA have to do.
You also don't need to tell the person
receiving Zakah this is Zakah.
Important. Some person might feel awkward and say,
here's zakah for you. I feel awkward. If
he is eligible and you kind of know
he's eligible, look, you don't have to test.
You don't have to give me bank statements
and all of this. If you know the
persons they're not by their means, they're nissab,
they're below the nissab, they have debts that
they're not able to pay, their rent is
due, all of that. And you say, here's
a a something for you.
In your you know this is zakah. That
person doesn't need to know it's zakah. It's
permissible.
And
your debt is extinguished and that person is
their zakah is is finished. Just to end
up quickly, I think we're over time already.
Zakat al Fitr as we said, zakat al
Fitr
is
a head,
tax.
Zakat al Fitr must be paid by every
single person and your dependents. So if you're
the head of the household,
you must pay
upon yourself,
your wife, your kids, if your parents live
with you, your whoever lives with you, whoever.
So, basically, you know, in the medical aid,
they ask, why are your dependents?
All those people that are dependent on you,
you must pay on
all of them.
What is
now?
Rand?
79. Right? So I think a cardholder is
R77.
So this is what needs to be 110.
Sorry?
110.
According to the Hanafi. According to the Hanafi.
So this is let's get into that. So
according to Hanafi, it's a 110. According to
the MGC symbols how why is there a
difference in this? Why why can't these guys
get their sums together?
In the past,
even now, sakaqaafitra
is not money. We must make sure the
person receiving the fitra receives food.
How much food must you give? It's roughly
3 kilos of
either dates, 3 kilos of rice, 3 kilos
of cheese, or whatever. Now 3 kilos of
dates is how much versus 3 kilos of
sugar versus 3 kilos of rice? Each one
is gonna be different,
and that's why you have different values.
And it's again
the fitra is of different values to show.
If we said R77,
some people might say, in my house is
me, my wife, 5 children, so 7 of
us 77, I can't pay but you might
find fitra of R50
if it's on sugar.
I can pay fitra on that. So it's
to also give the poor person opportunity to
give their fitra, and what a great reward.
Why do we give fitra? Then Abi says
that
fitra,
the zakatul fitr, is there to remove
all the small sins we did during Ramadan.
Ibn Abbas said the messenger of Allah made
zakatul fitr obligatory
as a means of purifying the fasting person
from the idle talk. While we're fasting, we
said things we shouldn't have and foul language,
you might even
argued and swore things that we looked at.
So we
take that
77 rands,
to make all that faults in your fasting
to make it perfect. So when you present
it to Allah, it's polished
at the end of the month. R77 is
very very bargain. It's a bargain deal. So
if we said it must be R77,
some people say, oh, I don't have R77.
I said, don't worry. There's a fitra for
you also, R20, R50, whatever. 3 kilos 3
kilos of sugar. I don't know what 3
kilos of sugar is at the shop. 3
kilos of of barley, of wheat.
More it's less than R77.
So it gives that poor person also the
opportunity
to give their fitra. And, of course, it
is something for the poor person so that
the poor Muslim does not go hungry on
the day of on the day of Eid.
And so, of course, this is now where
we are in the month of Ramadan.
As we end the month of Ramadan, let's,
you know, get your fitra. And this is
the one type of
zakah that I would say, Insha'Allah, it's so
much nicer to give a parcel. Yes, you
can give Putat Ali the R77
and then we go buy the parcels for
you.
That's great. But you go to the shop
and you say, I'm gonna buy a parcel
of rice, of sugar, of whatever, and you
bring the parcel maybe because you might not
know who is in need. Or if you
know an auntie and uncle is in need,
if they can receive zakah, they can receive
fitra.
So then you go out and you distribute
those parcels yourself. Because now in your house,
there's maybe 5, 6 people. It's only 6
parcels. There's something very nice of giving someone
an Eid gift
that is so nice to do. And so,
this is the the the the purpose of
of fitra or zakatul fitr, and we ask
Allah subhanahu to accept from us our money,
our charities, and forgive us our shortcomings and
accept all Ibadah. Oh, we've got questions.
Yeah. Questions. Okay. We're really, really late. Okay.
Agusay?
PBL.
Does does the organization pay Zakah? No. The
20 for PBS and it's.
Ah. That's.
Okay.
So if I give so, yeah, for for
those who don't, maybe
what's what's what's being said there. If I
give Zakah
to certain organizations,
I give charity, I donate to a certain
organization, SANSF, whatever it is, they give me
a certificate,
and you can get a reduction in your
tax. Is this permissible? Can I get some
kind of benefit through my zakah? Yes. You
can.
And you don't have to also top up
and pay that zakah additionally. That's the of
you. So I don't so if for example,
I paid a R1,000 to Sanzaf,
and now Saas, I would have paid Saas
a R1,000. They said, okay. You paid Sanzaf
a 1,000. You don't pay us anymore. I
don't have to pay another R1,000 to Sanzaf.
You got that benefit, alhamdulillah.
No prob. Some would even say that, Sand,
that that tax was not even due on
you. Your that was not even it was
a illegitimate kind of taxes. So, yes, no
problem in getting using a PBO to getting
a tax certificate
deduction,
and you don't have to increase your zakah
by that amount. And, therefore, it's a good
thing. Pay zakah to organizations who have the
PBO status, you get the benefit in taxes
in the dunya, and you get the benefit
in the akhirah.
This is smart, good business planning.
Is there another question of aid?
It's the same question here. Okay.
So much.
So because,
if you pay more, then you on the
same side, if you pay this,
you have to pay,
in the afternoon. It's gonna be a a
chance.
So if you think you must pay
a 100 rand,
That is why they,
allow you
to reduce your tax bill. But that is
on your income, so
you need to prove that you have, deductions.
And nowadays,
will obviously ask you for your certificate before
they give you that, deduction.
you
you