Zakah is an obligatory form of "charity" expected from
every Muslim individual. This form of "charity" is an act of worship.
Zakah is one the five pillars or fundamentals of Islam. The remaining
pillars are the Shahadah (profession of faith), performing daily Salat
(prayers), fasting and pilgrimage to Makkah. Zakah is considered an
important economic tool in an Islamic State or society. It provides a
religiously approved method of managing the economy and finance. Zakah
has also been scrupulously prescribed in the Glorious Qur'an in many
aayaath of the Qur'an and Ahadeeth.
Linguistic meaning
Literally, zakah means to "purify". It refers to the purification of a Muslim's wealth and soul. Wealth purification denotes the mobilization of assets for the purpose of financial growth and justified distribution. Purification of the soul implies freedom from hatred, jealousy, selfishness, uneasiness and greed. Other Qur'anic connotations include the purification of sin.
Technically, zakah is a fixed proportion collected from the surplus wealth and earnings of a Muslim. It is then distributed to prescribed beneficiaries and for the welfare as well as the infrastructure of a Muslim society in general. This contribution is made payable by a Muslim once in every lunar year (Islamic Calendar/Hijri).
Zakah is paid on the net balance after a Muslim has spent on basic necessities, family expenses, due credits, donations and taxes. Every Muslim male or female who at the end of the Hijri year is in possession of the equivalent of 85 grams of gold or more in cash or 595 grams of silver, must pay his or her zakah at the minimum rate of 2.5%.
Objectives of Zakah
Zakah has a deep humanitarian and social-political value. This religious act prevents the hoarding of wealth and advocates solidarity amongst Muslims because excessive wealth is distributed amongst the poor.The paying of zakah also helps purify one's soul and encourages a Muslim to have gratitude towards God's bounties. [1] [1]
Qur’an
All Muslims who are wealthy enough, must perform this charity in order to purify their wealth in the eyes of Allah (Glory be to Him). In other words, Allah (Glory be to Him) blesses us with wealth; it is therefore our duty to give some of this back to those most needy, which purifies the rest of our wealth. As Allah (Glory be to Him) says: ‘Take from their wealth so that you might purify and sanctify them.’ Qur’an.Surah Tawba 9:103.Shariah Ruling
Condition for Zakath to become obligatory
Types of Possessions That Require Paying the Zakath in general
Gold
Silver
Cash at One's Disposal
Types of Possessions
The Recipient Of Zakath
Zakath is spent on eight groups of people, as mentioned in the Qur'an (Arabic word As-Sadaqat here it means compulsory charity i.e., Zakath): "Zakath expenditures are only for the poor and for the needy and for those employed to collect [zakah] and for bringing hearts together [for Islam] and for freeing captives [or slaves] and for those in debt and for the cause of Allaah and for the [stranded] traveler - an obligation [imposed] by Allaah . And Allaah is Knowing and Wise. Qur’an Surah Tawbah 9:60- Poor people -- who have few belongings
- Destitute people -- who have absolutely nothing
- Zakath collectors -- for their work in collecting and distributing the zakath
- Muslim Reverts -- who may be estranged from their families and in need of help
- Slaves -- to free them from slavery in times/places where slavery has existed
- Debtors -- to help free them from insurmountable debts
- Those working in the path of Allah
- Wayfarers -- who are stranded during their travels
Punishment if you don’t pay it after Nisab
Zakah on previous prophets
The history of zakah is the same as that of the prayer. It is evident from the Qur’an that like the prayer its directive always existed in the shariah (Islamic Law) of The Prophets (peace be upon Him). When the Almighty asked the Muslims to pay it, it was not something unknown to them. All the followers of the religion of Ibraheem (Peace be upon Him) were fully ware of it. For this very reason the Qur’an has called it “a specified right” Qur’an.Surah Maarij 70:24Thus it was a pre-existing sunnah which The Prophet Muhammad (May Allah honor Him and grant Him peace), with necessary reformations, gave currency at the behest of the Almighty. The Qur’an says that just as the Prophet Ishmael (Peace be upon Him) directed his household to offer the prayer, he also directed them to pay zakah “He would instruct his family to pray and to give zakah and his Lord was pleased with him”Qur’an.Surah Maryam 19:55. The Almighty pledged a promise with the Israelites in the words: “I am with you if you are diligent in the prayer and pay zakah”. Qur’an.Surah Maidah 5:12
About The Prophets (peace be upon Him) that belong to the progeny of Isaac (Peace be upon Him) and Jacob (Peace be upon Him), the Qur’an says “And We sent them inspiration to do good deeds and to be diligent in the prayer and pay zakah” Qur’an.Surah Anbiya 21:73.The Prophet Eesa (Peace be upon Him) said about himself “And God has directed me offer the prayer and pay zakah as long as I live” Qur’an.Surah Maryam 19:31
The Almighty says in the Qur’an: “And [those among them] who were given the Book [before] became divided only after such a clear sign had come to them. And [in this Book also] they had been directed to worship Allah, obeying Him exclusively with sincere devotion and to be diligent in the prayer and to pay zakah [and the truth is that] this is the religion of the Upright Nation” Qur’an.Surah Bayyina 98:4-5[3]
Hadith
Although temporal love includes many things the most powerful and dangerous of all is the love of material wealth. The Prophet Muhammad (May Allah honor Him and grant Him peace) has, therefore, regarded it as the greatest of all evils for the Muslims: “The trial for my Ummah is wealth.” Tirmidhi 481, Mustadrak Hakim Vol 4: 318. If a Muslim can save himself from the lure of wealth, he will be able to protect himself from many other vices.One secondary objective of the zakath is to provide basic necessities to poor Muslims. The Prophet Muhammad (May Allah honor Him and grant Him peace) said: “Verily Allah has ordained the payment of Zakath on them (Muslims). It will be taken from the rich and returned to the poor.” Sahih Muslim Vol 1:21. These Traditions make it quite obvious that there is also a social and economic aspect of the poor-due without which its Islamic concept remains incomplete.
The Prophet (peace be upon him) said: “Whoever is made wealthy by Allah and does not pay the Zakât of his wealth, then on the Day of Resurrection, his wealth will be made like a bald-headed poisonous male snake with two black spots over the eyes (or two poisonous glands in its mouth). The snake will encircle his neck and bite his cheeks and say, ‘I am your wealth, I am your treasure’.” Sahih Al Bhukari 1403 (Vol 2:486) [4] [5]
On whom Zakath is obligatory[edit]
Zakah is obligatory after a time span of one lunar year passes with the particular amount in the control of its owner which is called as Nisab in Islam. Then the owner needs to pay 2.5% (or 1/40) of the money as Zakah. [6]Forms of charity in Islam
There are two forms of charity in Islam - obligatory and voluntary, called as zakath and sadaqa respectively. Zakah, from the verb zaka, which signifies "to thrive," "to be wholesome," "to be pure" means purification. Giving up of a portion of the wealth one may possess in excess of what is needed for sustenance, is to "purify" or legalize it so that the remainder may lawfully be used by the alms giver.Apart from zakath, the Qur’an and Hadeeth (traditons, Saying and actions of Muhammad (May Allah honour Him and grant Him peace)) also stress sadaqah, or voluntary almsgiving, which is intended for the needy. [7]
Advantages of Zakath
Islamic command possesses plenty of advantages of which some are mentioned below:1. It meets the needs of the poor of the society.
2. It strengthens the good relation between the rich and the poor, as everyone is naturally inclined towards the one who does good to him.
3. It purifies one’s self and sanctifies it; and it purges one’s moral of covetousness and miserliness; as is stated in the Qur’ân: “Take Sadaqa (alms) from their wealth in order to
purify them and sanctify them with it” (9:103).
4. It promotes open-handedness, generosity and sympathy in a Muslim towards the needy persons.
5. It draws Allah’s blessing; causes increase in wealth and the replacement of spent out; as Allah describes: “And whatsoever you spend of anything (in Allah’s cause), He will replace it. He is the Best of those Who grant Sustenance.” (34:39). [8]
References
[1] http://www.tamilislam.com/english/basic/zakah_sadaqah.htm[1] http://islamqa.info/en/ref/50801
[2] http://www.missionislam.com/knowledge/zakat.htm, http://quran.com/9/60
[3] http://quran.com
[4] http://www.islamhouse.com/p/316361
[5] http://www.sunnah.com
[6] http://www.islamicity.com/mosque/zakat/
[7] http://forums.islamicawakening.com/f20/what-is-the-difference-between-sadaqa-zakat-47629/
[8] http://www.islamhouse.com/p/31636
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