Important Rulings Regarding Zakat

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Waleed Basyouni

Channel: Waleed Basyouni

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Alhamdulillah Alhamdulillah Abdullah Al Amin Al Hamdulillah he Ledi Sharada a body or soul Murphy was a Katha was Salafi Ramadan for Allah whom Allah can him to help can help ah Allah Al Hamdulillah a Buddha worry or Salah Houma was salam ala Nabina Muhammad wa early he will be he was a limit la Mata Sleeman Kathira a my bad or praise due to Allah and His praise and blessings and peace be upon our Prophet Muhammad sallallahu alayhi wa sallam, his family, his companions and his followers until the day of judgment. I bear witness that Allah is the only one worthy of worship and Muhammad sallallahu alayhi salam, his last and final messenger My dear brothers and sisters, have now

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Ambassador the Allahu unset Paul phyllanthus ayat in a Zelina Corona tembisa La La Bella minha Haider tambura Karina Tia, three verses were revealed and in these three verses, there is two things cobbled together

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non

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one will not be accepted without the other.

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I let her do her code who Tyler up to your Hola Hola, Lt. O rasool from an upper hola hola muta. Rasulillah Miyoko Bellman, Allah says, Obey Allah and obey the messenger. So if you obey Allah, but you do not obey the messenger will not be accepted. And then he recited or opinion was solid to the cat, perform the salah and gives the cat then he said, Furman Salah music Elam yoke Bellmen, if you pray and he didn't give you as a cat, it will not be accepted. Then he recited Anish kuraly usually validate Furman, check shakar Hola Hola. Hola, Mia Khalifa li de la Mujer Bellman. Then you recite it. Be grateful to me and to your parents. Then he said whoever grateful to Allah but not to his

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parents. It will not be accepted from him. And the focus of my hotbar today on the second one, it's about as a cat called Abdullah. His name is Sue there'll be hola Juan mela music Keifa la sala tele those who don't give the cat there is no Salah for them. And that's why Allah subhanho wa Taala warn us from holding back there's a cat and not giving it while Latina acne Zuna they have our football What are you if you're gonna have a disability Allah forbid shoe room the other I've been at him and those who heard golden silver and spend not a splendid not in the way of Allah give them tiding of the painful punishment. Yo Yo Hinata you have inadi Jahannam for Taqwa big bow homogeny whoo hoo.

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madhuram had that mechanistically unfussy come for the OMA quantum technique soon

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The day when it will be heated in the fire and the fire of hell.

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And it will be put on the back and the sides of the people who held that money and they did not give this a cut of it. It will be basic like when you brand the animal with the with the iron. Same thing on the body. Yep what Abdullah Massoud wala he the dinars, the coins of gold and silver will not be above each others no it will be next to each others and the skin of the person and hellfire will be stretched to accommodate that large number of coins.

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And that's very severe punishment and in the Sunnah of the Prophet sal Allahu Allahu alayhi wa sallam many a hadith warning people from not giving this a cat. So, that leads us to take the issue of zakat very serious. And when we talk about serious it means we must know that it is given also we must know that it is given correctly and also we must know that it is given to the right people or to the right you know channel because it's the cat is not just to give it anyway, I'm surprised that some people told me that they give a bonus to their employees and they consider that part of the record.

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I'm amazed by somebody that if this is true stories this incident I personally was witnessing. People told me that the bought some perfumes and some

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you know, gifts, items, and they give it to people then they said this is my as a cat.

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Or they gives the cat to their own children.

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Okay, and they said okay, this is my cat, I paid my kids tuition this year.

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Or he said miser card is the tax.

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So Uncle Sam became the recipient of this account, you know, and many things like that, which is very interesting. Or one of the most common thing people tell me should I give zakat last year,

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okay, and it's like he's telling me I fasted last year,

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or whatever, and I'm alone, you have to fast. So every year you have to give us a cat shelter bus, it gives the cabin this money. A lot of people, I'm not mocking those people. But I'm saying I feel bad because those people show up out of ignoring debt forgiven. But even when they are forgiven, they have to go back to trace this account that they have not given and to give it out, even if it's 10 years ago, even if it's a 50 years ago, because this account is not your money.

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It's the money that belongs to Allah subhanho wa Taala and belong to the categories that Allah subhanaw taala have said, is known as Zakah tackle for Pierre Zakat is the right of the poor.

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It's not your money. That's why when you give this a cat, you don't doing any favor to anyone. It's an it's not your money actually to keep it. That's why the children we take this account money from the Romani. If somebody insane enough is not obligated to follow the rules of Islam, we still have to take this account from their money

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if they have an inheritance of something of that nature. So it's not something that you know, people need to know about the rules of this account. So because it's a serious matter, and what motivates people through centuries is not just the fear of violating these rules, but also what motivates them the most is the amount of reward that they get. When I take to mariebilly or bofi Amal in Nassif Allah boy and Allah wa T to means a carrot in 2d Do not watch Allah for Allah Iike Humann mobilephone there's a cat that you give for the sake of Allah, Allah subhanho data set.

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And those people who are the multipliers, any their rewards will be multiplied in the sadaqa. And a sadaqa is a general term include the Zakat, which is the obligations money that you give, and also the volunteer one that sought after that you give it as a cat or the extra donations are basically something so valuable and ALLAH SubhanA tireless eyes, that he will increase it and he will make the small amount of it to the level of a mountain.

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You call one of the Sahaba the Allah and room set in Illa. Allah muhabba does he know was not zhiban Illa sadaqa is this just as a small amount, like let's say a date, that it will wait in the Day of Judgment, like the weight of a mountain?

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It's something it will be that nature except the charity that you give, and there's a God that you give

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In the sadhaka Tooth Fairy ova Rob came out now. It will take Allah's Vitalis away anger at you for the sins or the shortcoming that you have committed the way the water will take away the

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fire or put away the fire.

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In the Bucha Salam said Zakat, and Sadaqah will never decrease your wealth.

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And many things in the piece of Salam said that you will be in the shade of your sadaqa in the day of judgment. And that including this occurred to you will be it didn't be so Salam said that sadaqa that you give protects you from any kind of evil, death or terrible death today. Masada Sue, he sits on Salam Delmarva Kombis sadaqa heal your sick ones through the sadaqa I know some of you have family members who are going through tough time sick. Make sure that the next donation that you give you have the intention that this is for the sake of Allah and Yara I asked you about the sadaqa to heal my sick ones. This is one of the ways that the process on himself that Allah because of it

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heals people

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giving is the quality and the characteristic of the believers. A lady named Hakuna Amala whom believe me when I heard he said Raja Alinea, those who give from their wealth in the night and in the day,

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in public and in secret, what is for them? There is a reward with the Lord, the reward with the Lord, nobody knows how much is it? It's been almost said every deed you do that he wanted to start from 10 Except charity, and can it start from 700 and up no fear will there be for be concerning them, nor they will grief. Or they will they grieve? It's like the shahada, the murders

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as a cat is basically

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a lot of people give this a cattle Ramadan and I said this last week in my first hole in the hotbar and I said that even some of the scholars said as the cat should not be giving Ramadan, you should focus on Ramadan and charity. Why because they worry that if you give your cat Ramadan, you will not give extra church let's say your cat is $20,000 And he just said I just give $20,000 So you're not be encouraged to give charity but they said no put your focus on the charity Ramadan, then you give us a cat later on as a matter of their lives to say Muharram the month of Muharram is the month of zakat.

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But in any way, you know you don't want to be losing both and those that God no charity and Ramadan you should do if you can if you will focus on charity and you will make it as a calculator on the month that's fine. But make sure that you give and you give generously. And if you give us a cat Ramadan that's fine too if you're seeking the reward because it's a blessed month and last month Allah multiplier reward specialists people specifically would like to give during the last 10 nights of Ramadan a part of their zakat every night so they will maybe it will be matching later Takada which is almost my data set better than 1000 month, more than 83 years of about 83 years of giving

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zakat, that's a great reward.

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Anyway Zeca, how to calculate your Zakat and in this one, I'm going to any allowed me to go through a lot of fifth points quickly. It will be inshallah beneficial for all of us. I know it's fasting and it's almost midday, but you know, help you good in math because I'm not.

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So as the cat is basically a

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different type of wealth if you possess that as a cat on it. I'll talk about the thing that is so common between us and relative related to us, which is money or cash, or stocks, you know, or businesses. These are the thing that most of us have not we don't have many farmers or cattle raiser here people raise cattles or farmers many but so I'm not going to if you have questions, you can come personally and ask me about it. But if you have what is equal to 85 grams of gold,

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or equal to 595 grams of silver

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which one Schiff because there's a big difference 85 grams of gold, and today market it's about 5390.

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So if you have that amount, let's say today's the day field is a cat. If you have that amount of your account, you will give us a cat on that amount.

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If you have less than that amount in your account, all your account checking, saving stocks, everything the value of you have whatever you the assets that you have, from cash, and money in stocks and business. If it's more than this, you have to give zakat on it How much 2.5%.

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The other way to calculate it is based on the silver 595 grams of silver is what

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$487.

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So if you have more than a 487, there is a cut in your money. You see how the big differences during the Prophet SAW Salem time, gold and silver have equal power,

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like silver and gold, they have almost the same values, like and another yet it is 85 grams of gold was equal to 595 grams of silver. So that's why the Islam said golden silver. But now modern days, we see how the difference became big gap. So that led the scholar to split, should we go based on silver or go based on gold. Both opinions are exist. Most of the council have felt in the Muslim world today, which is a collective wish they had a great number of groups, scholars come together and put their mind together and discuss the issue and they come to a conclusion. Usually this kind of ish Jihad and opinions are more, you know, it's much better to follow the said you should go buy

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the silver. Why? Because that's for the best interest for the poor. So if we go by the silver, more people will give zakat.

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But if you go by the gold, not more, not many people necessarily will be have that amount of money in their account.

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And that's not the time to say why everybody taking what you need this positions

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as a candidate should be calculated based on history calendar, not Gregorian calendar. Because there is 11 days difference. Shift, I can't and I'm have a business, my business will not allow me, you know, I need to go by Gregorian calendar, not Hijiri calendar, if you go by hingedly calendar is 2.5. If you're gonna go by Gregorian calendar, you have to calculate it in a percentage of 2.57.

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Which is well take that 11 days difference and calculations. So it's going to be 2.577. If you want to be more specific,

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any money that you have saved, to build a house to get married for future education, there is zakat on it.

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A lot of people think because I'm saving money to buy a house, there is no zakat on it. No, there is unless you sign the contract,

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or the boss has to sign the contract and the closing, let's say in 20 days, and you have the downpayment $20,000 and gonna pay it for the closing, I don't know my mind came and that's when I get my second we say the 20,000 you don't calculate the news account if you wish, because it's already a promise made and a debt like to that contract that you signed, but no contract signed nothing, you have to give us a cut in whatever amount that you have in your savings.

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Also, same thing with when it comes to

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money that you accumulate over the year the salaries and how you calculate that is choose the day if yours account let's say it does Ramadan, 23rd or 22nd or Ramadan first, whatever that you choose, and you go look at your bank and you see how much I have in my bank. And if it does match that amount of money that I just mentioned earlier, there is a cat on it. If you go by that majority of the scholars today if it is more than $487 You know I give 2.5% type shift I just deposited last just a week ago I just deposited

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$1,000 And we know one of the condition for a cat that you persist the money for one year.

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We said yes that whatever extra will be donations why? Because it became so hard to track every amount for 12 months. So the way to do and the majority of this color today is you see choose that day and whatever and that I've shared I just paid my end last week, you know an amount of money. You let's say I give $5,000 policy it does not be calculated in your pocket forgiven. It will equal itself up type the today's mine is a cat but I have a credit card I'm gonna pay let's say a payment for my car payment for my for my house. And my Zika is Ramadan first

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Are my 1/20 or 27, but I have a payments to make, we should take that payments of this month on out, then you calculate the rest. And you basically look at the rest of the money and you give this account and if you want to be any more, you're allowed to do that.

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Also, if you have a business, how would you give zakat on the business? Let's say you have a bit, let's do the stock the business first, a business business, our difference? There is some businesses, everything in that business is something that you build, you sell on your bike, let's say I have cars, I sell and buy cars. So the day if you can't you see how many cars in your lots. And you calculate how much it's worth in the market, then you give 2.4% of the value of it.

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You know what, I have oil change business? And I have, you know, things that I let say in my oil gas stations, you know, we have mashallah a lot of people in that business. And this is the current day, what do you do you see how much oils inventory you have in your store, that you're how many wipers that you're going to be selling. And then your stores, how many filters you're going to be selling, how many breaks you own, you have in your, in your oil, the item that you're going to sell.

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And you calculate how much the value of this, then you give to 5% of it. I have a cloth, I see how much clothing items and storage I have. And you calculate the cost based on that I have food, but you don't gives the cat on the property itself. Like how much worth that machine that raised the thing up. Let's say I'm a grocery store, I don't give us a cat on the worth of the coolers or the freezers. But any amount of food inside the freezer, that for sale there is the cat on it.

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But surely, I need this is hard to calculate.

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Yeah, you have to put effort. I know it's hard. But it's not hard when you have IRS coming to you.

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You know, you do your homework and doing your inventory. You know, it's just it's just you have to take that series. And can I make an estimate if your estimate is good, and you expert Yes, you can,

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to the best of your knowledge, to the best of your knowledge. But there is no zakat, for example, in the store on the machines that makes the things let's say a factory, but there's a cap on the outcome. But what if I have rental properties? There's a cap on the rent and the income not the value of the property itself. Unless you are in the business of real estate, I buy a property and sell property I buy a property so property in that case the property you see the value and you give this a cut.

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Is that clear? What if I have a debt?

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I am in debt? What should they do? Should they give us a cat?

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We see there's two types of debts. There is a debt, which is a long term debt, you have a mortgage for example, for 30 years for your house, we're not going to say hey, you don't give us a car for the next 30 years. You're a business owner, you have a business loan. And nobody would say that. The only way to get out of the car because of your debt. If you say, You know what, I'm gonna take everything I have, and I'm gonna put it against my debt. So in the end, what are gonna remain in my hand is less than the 400, you know, $70. So I don't have as a cat anymore to give, but not to keep the money. And he just used that as an excuse. That's not valid, because he paid every month, but

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that months of the cat, you take the payments of your car of your house of your business and you put it out then the rest he gives the cat on it. Is that clear? By what if I give someone loan? Do I have to pay a cat for it?

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The strongest opinion in my opinion in this issue is you give us a cat for one year when you receive it from the person

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when you receive it from the person so if the person gives you the unit loan back, let's say I give you know, a Mustafar for example, or Mustafa gave me $10,000 As a loan.

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Okay, so when I give him back the 10,000 He gives to one 2.5% immediately from that amount.

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That's it for that when he received it. But some scholars said no. Only he gave to 5.5% if the person who took the loan from him as somebody who is rich. Some scholar even said no. If you give loan someone and you know that he will be able to pay you back. I know but most of all pay me back. He has money but he just need money to invest. He took a

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loan from me. So I have to give this a cat on it.

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The only time you don't give us a kind of loan, if you give it to someone poor, or you don't know if he will be able to pay you back or not. That's the other opinion, I don't lean towards that. But if you want to do that, it's up to you.

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I do believe because even if he is rich, anything can happen and he can lose the money and you don't receive your money back. So I only believe that you give it when you receive it, too. What about my saving? Share? 401k? Or

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in this case, there is like, you know, 201 k.

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So when What about the money that I have for saving for investment? Do I have a cat on it? Also, the scars here have a difference of opinions, the modern scars, some scholar said, the saving that you have.

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If you take it today, there is a deduction of 30% penalty, let's say or 20% power. That's right. So if this is the case, if this is the case, they said you deduct that penalty, the 20% 30% whatever, then you give us a cap on the rest because the rest of it something you have full

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access to it.

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Okay, another group of scholars said No, as long as you don't use it, and it's not in your hand and you have no access to it. And it's meant to be away from you somebody else investing like a company or the government or whatever, only is a cat when you receive it from the government that year you became 70 or whatever and they give you full access to it. They will you in this case he gives a cat on it. You give it as a cat on it as I said immediately as you have at that day

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so

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whatever you feel comfortable more what you can do

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that many of the scholar take the first opinion a lot of scholars take that first opinion and that's the photo of also agenda simply Muslim tourists in North America.

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Taxes should be deducted from your account. But it's not counting as a cat let's my taxes like $5,000.20 22 you take that out and you put it in some of the call IRS account hollows so I don't need to pay I don't need to include it in my account. If you want to be accurate. May Allah subhanho data give us knowledge and FIP an understanding of all Deen Paloma sama to Mostofa Allah Allah

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Alhamdulillah wa salatu salam ala Milena via via the Hora

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a lot of question comes also about gold and silver how you give us a cat on it. Same thing it is either you give 2.5% of the gold and silver

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or the value of it. The gold is different levels. Like there is gold 21 Carrots 2324 18. That's right. Not experts. But I think that's that's what they are.

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How do we do that? How can we give this account of these different carrots based on which price like 85 grams of gold which gold is the 24 karat gold, the price of 24 karat gold because that's a pure gold 99 point 99 point 99% gold, but 18 or 21 it means mixed with other elements copper or something like that. So here you give this a cat on it type. If I want to give us a cat on a gold that let's say 21 carats or 18 carats How can you do that?

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Simple simple math equation.

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You basically what you do you see how many grams of gold you have. Let's say I have 100 grams of gold.

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Time.

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What's the courage 2121 Curtis divided by 24 and that's how much there's a goddess.

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I'll say that again. You have the month of Graham's time the character that you have 1821 then divided by 24 and the result is there's a cat

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okay that's how you calculate your there's a cat of gold for those who want to give this a cat of jury is jury have this a cat on it. And at least you give it once in your life. That's some scholars said that checklist. Tamia leans toward that amount, that opinion. And many scholars said no is the cat on jury at all. And some said no that is a cat on it every year. So there is a debate in my opinion the metal path or the metal opinion is to give at least once in your lifetime in that amount of time.

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A golden silver, sorry the jury that you have any house that you live in, there is no zakat on it. Any property that you possess and you have it for future use to build a house on it, there is no zakat

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on it. And the recipient of the cat are identified by Allah smart Allah. And Allah says

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in nama sadaqa treated for karate well Misaki Well, Amina Allah Yeah, well more or less Kulu boom or Federica bollati me enough, he said Beulah, wokeness Seville Farinata min Allahu Allahu Allah one hotkey that does a cat is to the poor, and to the needy, and to those employed to collect as a cat. And that's only in the government of Muslims government. You know, governor, he assigned that what am I limited Hello, boom, and for bringing hearts together to Islam, or to protect their evil from Islam and that's also my opinion in the hands of the Muslim governor. So it's not applicable to our community. Unless you know, someone personally like I don't want to open that door. But you know,

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someone if you give him Zuccotti will be a Muslim who stay upon Islam and you help him financially that's fine. But that's a door that I don't want it to be open because I have seen people use the cut money for lobby for example paying a lot of lobbyists lobbying firm or politicians why to protect us now.

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I think that's that's not correct and opening that door can make a lot of you know, misuse in this account. And I want to tell you that as much as I love so much of the work or charity work we do, but I want to make sure that we don't use the emotions of people and love for the sick got to just collect the money on spending in the wrong way. We have to be very careful how we handle as a cat as organizations and as

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who collect as a cat we just don't give it like anywhere. I don't make sure that the recipient of the cat are really good, but I want to sell so there's another extreme like somebody come to me and she said Shall I have food for the poor people? Can you bring them to me to the mustard on a give it to them and buy my hand like the meals

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and he's just like Allah you want me to bring you any 10 families my story and I lost my data cover the area and it didn't nobody knows about them and just line them up for you so you can give them your $10 money

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and it was kind of like a ridiculous request is that

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I said line kita he's he's the love the language line them up for me.

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Which hasn't it again.

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It just sometimes it's if you want to go to the pool yourself and you want to give it to them. Yes, but we have to understand our society today. Some people will be happy to do that. I'm not saying that you reach out to poor people if you want I will let you know.

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You can reach out but also you have to understand people have privacy and pride. Not every poor person that means like completely still there is a pride there's That's why even when we give them zakat, we don't tell them as a cat.

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You know, I give them money for them. This is a gift to you, your honor people you help you because some of the recipients are not very poor, like one of the receivers because somebody that

00:33:29--> 00:33:34

he might have an income and everything and you give him money just to pay his debt.

00:33:35--> 00:33:51

Somebody broke having some Yanni travelers, he might be very rich in his country, but he broke now No, no I mean like I let's say I'm muslim, you create Ukrainian come to them. And in his country, he has a lot of money. But he he's like are Syrian immigrants.

00:33:52--> 00:33:56

It just stuck all his money and acids is freezing back Palestinians.

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Many people forced to leave their countries or from the Rihanna

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and can be me and you one day, May Allah protect all of us.

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Right? So that also is one of the areas that you give that zakat also there is an area where you give the Muslim organizations and that's almost every major Council effect today said that I'm showing a shambles among the top muftis who give that as well.

00:34:24--> 00:34:59

That any organization but with the condition that this organization I don't allow giving the cat to a masjid is only mustard where people pray the five daily prayers and leave and that's the whole entire message is just about praying and that's it. I don't believe that those recipients of zakat receiving have set up on great but a mustard that is active in Dawa active in protecting the Muslim identity active in countering the Shughart the doubts about Islam this semester that he deserves a cut why? Because they are representing the role of a jihad free

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Sevilla because of the jihad Sevilla it's not just by sword it's by the word as well.

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So with this been said there's a lot more to be said but they think these are the most common and pressing issues that people ask about the cat. I'll be more than happy to answer any one of your questions. Inshallah Tada, can you delay it until you have a cache? You can delay it but don't delay too much. You know, can I pin it urgent like before time? Yes, you can. Also you do it ahead of time, if you want.

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May Allah subhanaw taala accept from all of us our zakat on all sadaqa and all donations, a malice path Allah bless you and bless your wealth and bless your family. May Allah spirit Allah accept from all of us, and make us among those who are no need for anyone to make a loss patata make us among those who always give and to be a giver and to be an upper hand Allah whom I mean, well, so Leila Muslim Allah, Amina Muhammad, Allah Allah Allah Allah Dena Allah Allah Allah Allah Dena Allah human Yes. Okay. Are you MBS American has no sabbatical earlier and don't select one animal still life even if equally McCann let's see Emma fill up Sasha leave will feel more good Sophie Villa de

00:36:10--> 00:36:12

Philistine, Allah Houma, Kula homea

00:36:14--> 00:36:23

Aina Allah Minya so Luca Antifa, f1 and Muslimeen and Maha geranium in Arabi him frequently makan Allah Minya. So okay here are you and taba

00:36:24--> 00:36:28

to the Vanara fitness you will have to be vain and Muslimeen and Tolyatti him

00:36:29--> 00:36:51

later Omraam wala to solid ally in MLA half a cartel kimono, Allahu Allahu Allah or wobba OLFA he shatta and now I'm beauty now. I'm Raj Amin, Allah minion, Ahsoka who Dawa took our FF Alina 123 New husana Taqwa one, two and three Romans occa Allahumma salli wa sallim wa barik ala Nabina Muhammad Salah to camera