Mustafa Khattab – Zakah In Ramadan
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I bear witness that there is none worthy
of our worship except Allah Subhanahu Wa Ta'ala.
And I bear witness that Muhammad
is the seal of the prophets and the
final messenger to all humanity.
Today inshallah is the last Jum'ah of the
month of Ramadan. So we ask Allah Subhanahu
Wa Ta'ala to accept our Iqbalah, our fasting,
and our PM and salah and our salatul
al zakah in this month Aminya Abu'alameen.
The 2 months before the month of Ramadan
almost all the questions I get are about
talks.
And throughout the month of Ramadan, almost all
the questions I get are about Zakah.
So we will dedicate this Khubba insha'Allah
to talk about some, details
related to Zakah because there's, you know, there
are some details that are are not very,
you know, a lot of people don't really
know them, and this is why there is
confusion
when it comes to, zakah.
Of course, when someone gives their zakah,
this is not a favor they are doing
to the community. This is fun.
This is a duty to Allah
When Allah
speaks about zakah in Surah Tawba a'ah number
60, at the end, Allah
says, farielbatamin
Allah. This is fun. When he talks about
giving sadaqa or zakah to the poor, Allah
says, waladinafi
amwalihim
haqqum ma'aloom lisayu al mahruum. It's a haqq.
It's a duty.
So when you give it to them, know
for sure that you're not doing them a
favor, you are doing yourself a favor. Alhamdulillah.
My observation about Zakah in the last 15
years, most of the time the people who
come to ask about Zakah
are middle class like me.
They come, Oh, Imam, I have in this
account, I have $35.15.
What do I need to get? I don't
see anyone who has 1,000,000 of dollars coming
to ask about Zakah. So I wish the
rich were as keen on giving Zakah just
like the middle class and the poor like
like myself, you know? And wallahi, I believe
if,
we pay zakah, every Muslim pays zakah, there
will not be a single poor person in
this entire world. Muslim or non Muslim. Right?
So we have to fulfill this obligation to
Allah subhanahu
wa ta'ala.
And one thing is that, you know, for
Muslim countries that are rich and they have
oil and stuff, and the Hanafi mad have
other madahim, whatever comes from the earth is
called rikaz.
Whatever you dig out in like gas,
and diamonds, and gold, and silver,
20%
of this money has to go for zakat.
And these are not my words, this is
like the teachings of sharia. 25%
of whatever comes out of the earth has
to go to the poor.
If you see a homeless person
or someone who's begging for food,
know for sure that someone failed to pay
their zakat.
And these are not my words, these are
the words of Muhammad sasilam al Hadith in
Tabarani.
If you see a homeless or someone is
begging for food, a rich person has failed
to pay their zakah.
So one thing we need to understand
when you are giving zakah,
that if you are using the money, creating
jobs, helping the economy, and the money is
in the market in and out, in and
out,
some of the conditions of Zakat don't apply
and you don't really to pay Zakat on
that money. Why? Because you're creating jobs, you're
paying taxes, and you are helping those who
are in need, like, you know, giving,
salaries and so on and so forth.
But if you keep the money to yourself,
you keep it in your house, you're not
using it,
in this case, you have to give 2.5%.
So, basically, for someone to give zakah on
money,
some conditions have to apply.
Number 1, niyyah. You have to have the
niyyah to give zakah. Yeah. And say for
example, we had a fundraiser 2 weeks ago,
someone had like $500
in their pocket, they don't want to pay
zakah.
And they dropped the money by mistake here.
They were leaving, they were taking their cell
phone out, the money fill up,
and they went home, they looked for the
money.
Musiva, Kubratam, Ma'a Usma, they couldn't find the
money, and they said Kholas, I'm gonna give
it for zakat.
No. It is not accepted as zakar because
you have to have the niya before.
Right?
And if someone raised their hand, they paid
$1,000
for zakar,
the niya is not zakar. Then when they
went home, Alfa, so I'm gonna count this
as zakar. No. The niya has to be
before you give them money. So niyyah has
to be there.
Number 2, you have to have a nisa
for zakah. Nisa basically means
that you have the equivalence of 85 grams
of gold. So which means, 85 grams of
gold, I checked today,
the price is $55
per gram, which means $4,600
This is your nazar.
If you have 6 6, $4,000,
six $600
in your savings account,
you keep the money with you for 1
hijri year, 355,
you need to give zakat on that. So
if you have 10,000, 15,000, you give 2.5%.
If you have less than 4,600,
no Zakat on the money.
So the requirement it is 4,600
or more, and it stays with you for
a Israeli calendar, for a Israeli year.
So the best thing that I do every
Ramadan, 1st week of Ramadan,
I count whatever I have, nisaab, not nisaab,
1 year, not 1 year, and I give
zakah. I count everything together.
This is the easiest the easiest way. If
you are going to do a Gregorian,
2016, 2017,
so the percentage is 2.6.
Because the hijri year is 11 days,
less than the Gregorian year. And this is
why Ramadan moves up 11 days every year
because it is shorter.
The next condition is
al milkiyah.
Full ownership.
Full ownership.
I got a call from my brother from,
a Muslim country.
There has been war for 6 7 years
now, and he says, I have the money
sitting in my account in my country back
home, and I don't have access to the
money. I tried to withdraw the money, but
they wouldn't allow me. And in this case,
you don't have to give zakat because you
don't have ownership.
Once you the money is released, you have
access to the money, you give zakat one
time 2.5
percent on the entire amount because you didn't
have true ownership.
And this is the ruling in this case.
Now, when we talk about money, we spoke
about the value $4,600
or more, and it stays with you for
1 hrd year,
2.5%.
Money is easy, no problem. And the same
thing applies to,
gold bars and gold bars. Like some people
they buy gold, you know, these big chunks
of gold they keep in their house. Same
ruling applies. If everything together,
is the value of 85 grams of gold
or 4,600
or more, you pay this account everything.
Now we'll talk about jewelry.
There are some small details, pay attention. If
you usually fall asleep in the footpath pay
attention inshallah because this is very important.
If you have less than 85 grams of
gold jewelry,
if it is for,
business
like say for example you have the gold,
your wife has the gold
so when the prices go up she's going
to sell
if it is less than 85 grams no
Zakah whether for personal use or for business
85 grams less than 85 grams there is
no Zakah regardless of anything
if it is 85 or more
now the Alama will look
if it is for business
all of the Alama agree you have to
pay Zakat. If it's 85 grams or more,
and the the gold has been with you
for a year, you give 2.5%
on the market value on that day.
But if it is for personal use, like
your wife would wear the gold for Eid
and whatever, it is for personal use, it
is not for business, then in this case,
Imam Shafi'i, Malik, Ahmad, they say there is
no Zakah
because you have a car and your car
could be more expensive than the jewelry. You
have a house, and your house could be
25
times more expensive than the gold. If it's
for personal use, no zakah. Only imam Abu
Hanifa,
he said, if it's 85 grams of gold
or more, it doesn't matter if it's business
or personal use, give zakat. The 2 opinions
are there. You can follow which opinion you
are most comfortable with. Both are supported by
evidence. Both of them are correct.
The next one is inventory. Some of us
we have businesses. You have car dealership, you
have businesses
and stuff. And in this case, if you
have something for sale
and if it is sold before the passing
of the year, no Zakat.
If it stays for sale for 1 year
or more, you pay zakah on that. Right?
So this is the ruling in this case.
Some people may have their house for sale,
land for sale, back home in Philistine, other
places. It has been in the market for
4 5 years, no one wants to buy.
And in this case, typically you pay Zakat
every year, market value. Of course, you'll be
losing money. What you need to do is
change your niyyah from sale to personal use,
and if someone comes forward to buy it,
then they eventually can just pay for 1
year if if you want inshaAllah ta'ala. So
you don't, you know, you don't lose money.
For ijara
for ijara Say for example, you are renting
your basement
or you are using your car for, like,
Uber or taxi.
In this case you don't pay on the
value of the house or the car, you
pay on the income.
Because the car,
the house are not for sale.
If they are for sale, you pay on
the value. But if if you are renting
the service,
the car for taxi or Uber, or you
are renting the basement for, you know, rent,
in this case you pay on the rent
or the income,
two conditions have to apply you save the
money
$4,600
and the money is stayed with you for
a hizre year. But if you take the
rent
you do shopping, you pay the, you know,
expenses of the house and the family, all
the money is, spent then there is no
Zakah in this case. The last 2 con
questions or, 2 masa'il
basically RRSP
and RESP.
Of course, in RESP, you pay a certain
amount on a monthly basis or annual basis
for every kid. When they go to high
school, they you take the money for their
education.
And in this case, the government is paying
you 20%
percent. They're giving you an incentive 20%.
Same thing for RESP. Like, you put money
on a monthly basis,
and the government will invest the money, they
give you something back. Eventually, after you retire,
you take the money. Ta'u al Mana have
2 different opinions here, you can follow whichever
you want. Both of them are totally acceptable.
So basically,
every year,
as I said, Ramadan, I give my zakah,
calculate everything. I give zakah one time, khalas
finished.
You can either give zakah on this money,
on an annual basis, if you know the
value, how much you have in the account.
And again, you give zakah on what you
paid,
not the government's
contribution. The 20%, you don't pay zakah on
the 20% because it is now actually yours.
Ownership. Remember the condition. Because if you were
to take
the RESP, your money before your kids go
to high school,
the government will not give you the 20%.
You will lose the 20%. So you just
give zakat on your contributions.
So you do the same for RESP or
RRSP
on an annual basis if you know the
value. If you don't know, some of the
RMAT say you don't really have to own
a shift because you cannot use the money.
It is just sitting there. You can't access
the money or take it.
You can if you want, but you will
be losing a lot of money. So they
say if you leave it there, once you
take the money at the end of the
term, when when the kids go to high
school or whenever you retire, you take the
money, you pay 2.5%
on everything once in khalas.
If they pay you by installments,
every 3 4 months they give you $3,000
when you take the money eventually,
pay 2.5%
on the 3,000 that you will get in
Khilaz. This is the easiest way to calculate,
and we ask Allah
to accept our value in this month and
give us the reward according to our sincerities,
Allah.
Put some quick announcements inshaAllah.
Make sure you pay zakatul fit before the
end of the month, and zakatul fit has
to go to the poor.
We can't just put it in the salakatul
fit box in in any masjid. If you
put it in the sadaqa box, you have
to put Zakatul Filtr because this has to
go to the poor, we cannot use it
to pay for the utilities of the masjid.
It has to go to the poor, so
you have to indicate very clearly. And Zakatul
Filtr is minimum $10 for you and each
member of your dependents.
Whether you're giving the money in Canada or
sending it back home, minimum $10
And,
insha'Allah,
those who fasted Wednesday, those who fasted Thursday,
aid insha'Allah
will be Friday for everyone.
And this is good news, alhamdulillah.
Here in this masjid, we have 2 salah
services on Friday.
Turkish service will be at 7:30 in the
morning, and the English, English service will be
at 10
We have an amazing Eid festival here in
this masjid, InshaAllah, June 23rd
from 11 in the morning till 8, PM.
So we ask Allah Subhanahu Wa Ta'ala to
accept from all of you. Before we start
the salah inshallah, in front of you, you
will see an envelope for small donations. We
know that their word is multiplied in this
month. For salah fard, you get their word
of 70 fard. Sunnah, you get their word
of fard. You do hamrai Ramadan, you get
their word of Hajj. And the prophet also
said, if you give sakha al salakha in
this month, of course, your reward will will
be multiplied.
So make sure inshaAllah, don't miss out. Take
an envelope if you are willing to give
donation to the masjid in this month, and
this will help with the water, power, gas,
utilities of the masjid. And this is a
great reward, so don't miss out. If you'd
like to contribute,
$50, $100,
one time donation, take it and with your
family, put the money and bring it back,
put it in the box, or give it
to me or brother, abhis salaam, at the
front desk. So we ask Allah, subhanahu wa
ta'ala, to accept our haybada,
our fasting, our qiyam, and our salaam, and
our sadaqah and zakat. And we ask Allah,
subhanahu wa ta'ala, to forgive our sins, accept
our good deeds according