What is Zakat
Zakat, an obligatory charity, is one of the major duties required by God from all of His Submitters (Muslimeen in Arabic). It follows the pattern of all rituals of submission (Islam in Arabic) as given to prophet Abraham that handed down to us and existed when the Quran was revealed to prophet Muhammad.
[21:73] We made them imams who guided in accordance with our commandments, and we taught them how to work righteousness, and how to observe the Contact Prayers (Salat) and the obligatory charity (Zakat). To us, they were devoted worshipers.
[19:55] He (Ismael) used to enjoin his family to observe the Contact Prayers (Salat) and the obligatory charity (Zakat); he was acceptable to his Lord.
[19:31] “He made me (Jesus) blessed wherever I go, and enjoined me to observe the Contact Prayers (Salat) and the obligatory charity (Zakat) for as long as I live.
[22:78] You shall strive for the cause of God as you should strive for His cause. He has chosen you and has placed no hardship on you in practicing your religion – the religion of your father Abraham. He is the one who named you “Submitters” originally. Thus, the messenger shall serve as a witness among you, and you shall serve as witnesses among the people. Therefore, you shall observe the Contact Prayers (Salat) and give the obligatory charity (Zakat), and hold fast to God; He is your Lord, the best Lord and the best Supporter.
Importance of Zakat
The vital importance of Zakat is reflected in verse 7:156 “….My mercy encompasses all things, but I will specify it for the righteous who give the obligatory charity (Zakat) …” and also in verse 41:7 “Who do not give the obligatory charity (Zakat), and with regard to the Hereafter, they are disbelievers”.
Who has to pay Zakat
Anyone who has any income must pay the Zakat. Verse 3:134 says “who give to charity during the good times, as well as the bad times………. God loves the pious” which indicates that our obligations are to be fulfilled at any circumstances irrespective of high or low income. In addition, the people who may not have any income at some point in their life, but they may have income in the other form such as Zakat from which he is also obligated to give away to another needy people as his/her part of Zakat.
When Zakat is to be paid
Per verse 51:19, Zakat being a recognized right in wealth is due when anyone has any income. We may pay it immediately or set aside for the specified recipients to pay it later. Verse 6:141 indicates that giving away on the day of income is the opportunity given to us by God to be a trait of the righteous that may be achieved over time. The wisdom behind Quranic law that Zakat has to be paid as soon as the money is earned which is in total agreement with modern economic and monetary theory, which states that the circulation of money is a vital factor for the prosperity of any economy when it is paid immediately and put in circulation, than stacking away and paying at the end of the year.
Amount of Zakat to be paid
Per verse 70:24, Zakat must be calculated based on known duty (Haqqun Ma’luum) and given away on a regular basis whenever we receive any income. The Arabic words, “Haqqun” means duty or right and “Ma’luumun” means known. This is the only known amount mentioned in the Quran. When God has said “Known” it does means that it was known to the believers during the revelation of the Quran. Thus, the existing rate of 2.5% was passed down to us, generation after generation, like other religious rites, from the time of Abraham to our time. In other words, Zakat percentage was known at the time of prophet Muhammad, and did not necessitate any correction by God in the Quran. We, therefore, must set aside and give it to the specified recipients immediately.
Who are the recipients of Zakat
Per verse 17:26 (revelation order 50), Zakat is to be distributed to the relatives, the needy, the poor, and the traveling alien without being extravagant. Verse 2:215 (revelation order 87) says, “They ask you about giving” which clearly indicates that the recipients as mentioned in the earlier revelation (revelation order 50) are further clarified by this verse to distribute Zakat to the parents, the relatives, the orphans, the poor, and the travelling alien. Thus, we should follow the order of preferences as mentioned in this verse.
What is Charity
While God set the obligatory percentage for Zakat on any income we receive, and He also left the door open for more charitable works, to give the righteous a chance to earn even more credits by paying more to charity. Verse 2:261 states “The example of those who spend their monies in the cause of God is that of a grain that produces seven spikes, with a hundred grains in each spike. God multiplies this manifold for whomever He wills. God is Bounteous, Knower”. The recipients of charity are clearly mentioned in 9:60, 2:177 and 2:273 – they are the poor, the needy, the workers who collect them, the new converts, to free the slaves, those who are burdened by sudden expenses, in the cause of God, and the travelling alien, the poor who are suffering in the cause of God and cannot emigrate, relatives, the orphans, and the beggars. Per verse 2:219, charity is to be given if you have an excess amount – they also ask you what to give to charity: say, “The excess,” and anyone who forbids charity is a disbeliever (107:7) which indicates that God has encouraged us to give to charity to earn more credits with Him.
Verses of Zakat and Charity in the Quran
a. Sadaqah or its roots: 2:196, 2:263, 2:264, 2:271, 4:114, 9:60, 9:79, 9:103, 9:104 and 58:12
b. Nafaqah or its roots: 2:215, 2:219, 2:261, 2:262, 2:267,2:265, 2:272, 2:273, 2:274, 3:134, 8:3, 9:121, 22:35, 28:54, 32:16, 63:10…..etc.
c. Zakat and Zakat-like instances
1. Zakat as in: 2:43, 2:83, 2:110, 2:177, 2:277, 4:77, 4:162, 5:12, 5:55, 7:156, 9:5, 9:11, 9:18, 9:71, 19:13, 19:31, 19:55, 21:73, 22:41, 22:78, 23:4, 24:37, 24:56, 27:3, 30:39, 31:4, 33:33, 41:7, 58:13, 73:20, and 98:5
2. Haqqahu as in 6:141, 17:26, 30:38
3. Haqqun as in 51:19, 70:24
When we study all the verses in the Quran about Zakat and other types of charity, we realize that Zakat cannot possibly be from “the excess”. Instead, we learn that it is a known percentage (70:24), which is to be paid out on the same day we receive any income (6:141). We also see that Zakat is specifically mentioned by name (ZAKAT) or expressed as “Haqqun” meaning “duty” or “Haqqun ma’luum” meaning “known duty” and also occasionally referred to “Unfiquun” (Anfaqa), meaning “to spend,” as in 2:215 and 3:134.
Verses, 2:215 and 2:219 speak about Zakat and charity respectively, using the same term “Unfiquun” meaning to spend for others. Although the same word is being used for other charities as in 2:219, the amount is specifically defined in the verse as being the Arabic word, “afw” meaning “the excess” which clearly indicates that it is not obligatory.
It is noteworthy that the first commandment of observing Zakat (7:156) is mentioned in revelation order 39 (sura 7: Al-A’araf) and its integral components are detailed out in the subsequent revelations. Inshaallah we also know that the verse 23 of the same sura (7:23) is linked with the mathematical confirmation of Adam’s as well as ours redemption reciting only sura Al-Fatehah in every rakat during observing our Salat. Thus, the commandment of observing Zakat down in the sura indicates that Salat and Zakat are closely associated, and their practices can ensure our successful return to God.
The references of Zakat are found in 31 verses of 19 suras. If the relevant sura and verse numbers are added, the total is 2394 which is a multiple of 19 => 2394 = 19x126. This mathematical interpretation confirms that Muslims are required to fulfill this obligation at any circumstances. The table below depicts the detail:
Note: The instance of “Zakat” found in 23:4 and the instances of “Haqqahu” found in 6:141 and 30:38 are not in the mathematical calculation being the traits of a righteous which are opportunities for the righteous given by God that can be achieved over time. In addition, there are three other instances of Zakat found in (18:81, 19:13 and 30:39) that do not participate in the mathematical confirmation as well. The instances in (18:81 and 19:13) do not talk about giving away at all while the instance in (30:39) talks about the increasing of one’s wealth manifold through the charity in reference to the usury.
God has decreed Zakat for us to pay from the provisions as given to us, and the precise commandment for observing Zakat found in 31 verses in the Quran has been confirmed by the Quran’s mathematical code (74:30). Since there is NOT a single verse in the Quran that gives any concessions in Zakat to any person who has a low income, the one who has a low income, if he still obeys God’s law in Zakat, in that is his test as we are all given tests, some in plenty (like Solomon) and some in little (like Job). God is aware of our needs and our circumstances in all situations, we must always follow His law, and exercise patience.
To help overcome our natural stinginess, God decreed Zakat (obligatory charity), 2.5 percent of net income. This is to be given as soon as we receive income or set aside if the recipients are not immediately available, and it’s to be given to those who are in real need starting with our own family. If the world followed this system, with everyone helping out his or her relatives, there would be no poverty.
While God set the obligatory percentage for Zakat on any income we receive, He also left the door open for more charitable works, to give the righteous a chance to earn even more credits – up to 700 times by paying more to charity (2:261 and 30:39). Thus, we are encouraged to help others as much as we can from our savings without being extravagant.
Peaceful Friday, salaam and God bless.