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Lesson 14 Part 1 | The Explanation of Matn Abi Shuja' - The Book of Zakat — Transcript

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6:19[clears throat]
6:24Alhamdulillah.
6:33So today inshallah we're going to
6:34continue commenting on
6:37inance
6:40or in the Islamic Jewish students
6:42according to the
6:46uh and we reached the book where it is
6:49titled the book of zakat.
6:52He says [clears throat] the zakat is
6:55obligatory for five things. First
6:58livestock. Second currency.
7:01third
7:03crops, fourth fruits,
7:06fifth and goods for sale or trade.
7:11Then he continued,
7:13so the author is talking about the book
7:16of zak and definitely a zak is
7:20an important topic. It's a pillar of
7:23Islam
7:26and zak
7:27it's one of the pillars of Islam the
7:32differ regarding a person who is not
7:35paying zaka out of steness
7:40after they have agreed that if anybody
7:43who does not pay zaka out of denial he
7:46says he says that it's not legislated
7:50it is not Islamic ically obligated. They
7:53have agreed that if that person
7:57is
7:59he lived amongst Muslims, he grew up as
8:02as a a Muslim. They have come to the
8:06conclusion unanimously or they have
8:08agreed it's not they they have come to
8:10the conclusion they have agreed
8:11unanimously that that person is not a
8:14believer. If a person who says that it's
8:16not obligated upon us to give zakat
8:22the scholars of
8:26from the time of all the way down agreed
8:29that that person is not a believer even
8:31if he still pays it even if he even if
8:35he gives a if he denies its obligation
8:38its legislation
8:40they have differed however regarding a
8:42person who does not pay it out of
8:44stinginess.
8:47He does not want to pay it out of a
8:48stinginess. Some scholars, the likes of
8:52the likes of Jubham,
8:55they are of the opinion he's not a
8:57Muslim. He's taken out of the fold of
9:00Islam and the most direct opinion which
9:02is the opinion of the vast majority of
9:04Sahabah that he is still Muslim but he
9:07has committed a major sin.
9:10If a person does not pay zaka while he's
9:13eligible to pay zaka, he is committing a
9:15major sin but he is still be being a
9:18Muslim. One of the evidences that we can
9:21utilize that he is not that he is still
9:24being a Muslim that the prophet
9:27sallallahu alaihi wasallam when he was
9:28speaking about those who didn't give
9:30zaka on the day of judgment as a Muslim
9:34he says then
9:37after he would be punished by his
9:39livestock they would tread on him they
9:41would step on him the prophet sallallahu
9:42alaihi wasallam said then it would be
9:46considered whether that he will go to
9:47the hellfire or he will go to Jenna. If
9:51he was a a disbeliever, then there is no
9:54two options. There is only one option
9:56this Muslim. So this tells us that he is
9:59e Muslim but he's committing a major
10:02sin. He is missing a pillar of Islam but
10:05won't take him out of the fold of Islam.
10:07As long as he has a salat then the rod
10:11or the the the the major pillar is still
10:14there. The house does not collapse
10:16entirely. Still the house exist.
10:20Now what is zaka? Zaka linguistically in
10:24the Arabic language is to grow.
10:27To grow and to purify.
10:31In the Arabic language we say
10:36plant
10:38they grow. Also to purify like when we
10:42say you do zaka for yourself and you you
10:44purify yourself. you grew yourself and
10:47you purify. So this is the meaning of
10:50linguistically it is related to the to
10:54and its
10:58usage because
11:01the zak it causes your wealth to grow
11:05and also purifies your wealth. You
11:08purifies your soul from stinginess. It
11:11grows you in being merciful and
11:13cheering, not stinginess, selfish and so
11:16on so forth. So then it purifies, causes
11:19your will to grow as says
11:30the prophet said
11:32that charity does not reduce your
11:34wealth. Indeed it increases it. Indeed
11:37it increases it. Indeed it increases it
11:44charity. It increases your wealth. It
11:46blesses your wealth. It purifies your
11:48heart. Purifies your your habit. It
11:50takes from your character being a
11:53stingy, selfish, individualistic,
11:57careless.
12:00However, what is the juristic meaning of
12:03a zak which the author is talking about
12:06here? We say a zaka
12:10it's
12:15the delivery
12:17of
12:20certain
12:22zatable wealth or zatable assets
12:30delivered
12:32to a particular categories
12:35of people or entities.
12:47This is how it is juristically defined.
12:49It is a right. It is a right
12:55or let's call it it's a specific right
13:03taken
13:05from a specific type of wealth
13:10delivered
13:12to a specific categories of people
13:16or to a specific
13:19you know
13:21categories or you know brackets of
13:24people
13:26if you put it this way. Do you
13:29understand? So this is a zak. So it's a
13:32specific type of charity.
13:35When we talk about a zak we're talking
13:37about a prescribed
13:40it is done. It is a financial it's
13:43related to your wealth but it's it is
13:46prescribed in a specific way
13:49delivered in a specific way in a
13:52specific wealth to a specific categories
13:55of people or entities or actions. This
13:59is the meaning of a zaka.
14:03Zaka according to the most correct
14:04opinion has been legislated in Mecca.
14:10However, it was legislated in Mecca. And
14:13the reason we know that it was
14:14legislated in Mecca because Allah in
14:17multiple Mecci verses and suras he
14:20mentioned.
14:22So we know that it was legislated in
14:24Mecca. However, when it was legislated
14:27in Mecca, it was legislated
14:30not with its spec species, its people,
14:35how it is delivered, what is the
14:36threshold and so on so forth without
14:38details. Just there was an obligation to
14:41give charity up to what extent it is up
14:44to the believer.
14:46Up to the believer to who? Up to the
14:48believer.
14:50when up to the believer. From which type
14:52of will? Up to the believer. But there
14:55is there was an obligatory charity
14:59but without specification.
15:02When the prophet sallallahu alaihi
15:03wasallam immigrated to Al Medina then as
15:05zaka was not legislated. It was already
15:09legislated but it was more detailed
15:12specified conditions stipulations and so
15:15on so forth were were given and this was
15:17according to the most correct opinion in
15:19the second year in the second year after
15:22he sallallahu alaihi wasallam immigrated
15:29the author
15:33for five things
15:37a zaka
15:38When a zakat is taken from your
15:42from you, it is not taken from your
15:44income,
15:46it's taken from your wealth and it's not
15:50taken from any type of wealth. What we
15:53usually call assets you call it here
15:55assets.
15:57It is taken from a particular types of
16:00wealth. We call it zakatable assets or
16:05zable money.
16:08There are things that they are not
16:09zakatable, nonzakatable, unzakatable.
16:13Zaka is only taken from your is taken
16:16from your wealth in its totality. And
16:19it's not from every single
16:22item in your wealth. It's only taken
16:26from zakatable types of wealth.
16:30How do we know that? How do we know?
16:33Through the evidences. The evidence is
16:35in the book of Allah and in the sun of
16:36the prophet sallallahu alaihi wasallam.
16:38He says the zaka therefore is obligatory
16:42for five things. Now he's not saying
16:46upon whom it is obligated but the type
16:50of wealth and is possessing a microphone
16:54is this zeicatable
16:56possessing livestock is it zatable? If I
17:00have stocks is it zatable? If I have
17:03cash,
17:05silver, gold,
17:08is it zakatable and so on so forth.
17:12He says the zaka is obligatory for five
17:15things. We know that through
17:18investigating and doing exhaustive
17:21investigation through through the text
17:24and we come to this conclusion. He said
17:27first life is stuck.
17:31livestock and there is a unanimous
17:33agreement
17:34there is no difference whatsoever that
17:37if a person possesses livestock then he
17:40is obligated to pay zakat or to give
17:43zakat usually I prefer the verb to give
17:46better than pay
17:49so
17:52is it for any livestock you have
17:57it must be the livestock they are
18:01camels,
18:04sheep
18:06and cows
18:09or we can put them this way. Camels,
18:12cows, sheep unanimously.
18:16So if you have life is like you have
18:18horses.
18:20If you have horses, is it the catal? No.
18:24Unless you intend them intend them for
18:26trade
18:27or you rent them, then you're going to
18:31pay zaka on the on the rent. But just
18:35having a horse, it won't be zak.
18:39What about having chicken?
18:42No. So it's only
18:48unanimously. There is no disagreement
18:51whatsoever.
18:53And we're going to be talking about the
18:55the conditions for them to be oblig
18:59how to give zak from them. What's the
19:01age if there is if there is any
19:04what's the percentage? What's the
19:06threshold and so on so forth then he
19:09said currency
19:12again I'm trying my best to make things
19:14so easy for you. who want to provide a
19:16lot of evidences but there is a
19:19unanimous agreement and the evidence for
19:21the livestock is
19:25through the
19:28taken to from
19:30taken from an
19:32okay there are multiple hadith regarding
19:35so life is stuck then he said currency
19:40when he speaks of currency he speaks of
19:44silver and gold
19:47because this is the actual currency.
19:50It's only a recent time where we are not
19:55pegging our currency to to gold or
19:59silver when we had what we call fiat
20:02fiat currency. It's only by the United
20:05States. That's what they did.
20:07the United States, they went to war with
20:09Vietnam because after World War II,
20:13you know, the major powers,
20:16those who won the world, the the the
20:18war, they had a, you know, uh, a
20:23conference or a meeting
20:27in Britain, New Jersey. They came to the
20:29conclusion that we're going to peg the
20:32currency to the American dollar and the
20:34American dollar is going to be pegged to
20:3725 ounces of gold. Okay. When the United
20:41States went to war, this is called the
20:43Britain wood system.
20:47When the United States went to war with
20:49Vietnam, they run out of gold as they
20:52claim.
20:54So that they cannot cover up the dollar.
20:58They cannot back it up with with gold.
21:01So what they decided to do, they
21:05actually
21:06untie the dollar to gold and they make
21:09the dollar in of itself the standard. So
21:12that when we exchange currencies, we
21:14exchange currencies
21:16in
21:19in exchange of dollar. Yeah. We peg the
21:22currency according to the dollar. And
21:25then after the oil crisis, they pegged
21:27the dollar to oil. They call it the
21:30dollarization.
21:32The oil dollarization
21:35when they agreed with the Saudis.
21:38So then the it is a new phenomenon that
21:41the currency is actually
21:44it's not pegged yeah any related to
21:47connected to tied to actual actual
21:50currency gold or silver. So now in order
21:54so what's the um what's the currency in
21:57Somalia
22:00>> shill so the shillin is packed to the
22:02dollar it's not packed to an actual goal
22:06it's it's according to the fed the c the
22:11central bank in the United States they
22:14decide the price the value of of the um
22:21of the currency And then you either you
22:23appreciate or d appreciate according to
22:26that currency. What I'm saying to you
22:28here currency here we're talking about
22:30what silver
22:31>> silver or gold and anything that is
22:33going to function the same paper note
22:38now we now even we have digital currency
22:41cryptocurrencies. So anything that is
22:43going to function as a currency that
22:45it's going to function like silver or
22:47gold then it is zakatable.
22:51It's a capital because the reason for
22:53them to be zakatable because they are a
22:56medium of exchange
22:59and they are a measurement of value of
23:01things.
23:03So silver and gold they are a medium of
23:06exchange in a state of
23:09doing what we call battery
23:13we do we exchange a commodity or good
23:16with currency. So it's a medium of
23:19exchange and by which we know the value
23:21of these items of these goods
23:23commodities this is the function of
23:24them. So therefore anything that is
23:26going to function like silver or gold
23:28then it's going to be zable and we're
23:30going to know inshallah the threshold
23:32for it.
23:34Then he say
23:37crops.
23:38The third type of zakatible web is it
23:41crops.
23:43Now crops
23:48is it any sort of crops? We're going to
23:50know later inshallah. The crops that
23:52they are going to be is a carable
23:54according to the Mus according to
23:57they say that as long as it is stable
24:01stable food
24:03and it is
24:06saved
24:08storeable and it's also the food that
24:11everybody eats in
24:14a particular you know area now if you
24:17think about it most of the food here in
24:19the United States essentially is going
24:21to be made of wheat.
24:25Wheat
24:27if you have Yeah. The wheat is
24:31essential,
24:32right? It is essential for any for many
24:36of the food that we consume. Wheat is
24:38essential.
24:40What about rice?
24:42Yes,
24:44rice we eat it is it is storeable. It is
24:48storeable and also it is
24:52You eat
24:56you eat rice also here. What do you call
25:01it in English?
25:04>> What do you call it?
25:05>> Corn. Corn.
25:08You are in the land of corn.
25:12And accord in the United States is
25:14essential
25:16that these the things that they are
25:20storeable to
25:23essential in a particular area.
25:28These are these crops.
25:32But what about
25:34fruits?
25:36Again, if these fruits are going to be
25:40storeable, not consumable,
25:44dates,
25:45raisin,
25:48dried uh figs,
25:51if they are storeable, we can we can
25:53store them. We don't consume them like
25:55you know watermelon,
25:57like a pomegranate,
26:00you know, cucumber.
26:02These are consumable.
26:04So then if they are if the crops if they
26:08are storeable and they are essential put
26:14and also the fruits and for the fruits
26:17they need to be dried because we can
26:20store we can store them and at the and
26:23at the same time we can utilize them as
26:26essentials. We eat them as essentials.
26:29Like now many people what's their main
26:32meal?
26:37>> Raisins. They have raisins and milk.
26:39They woke up in in the morning. Many
26:42people had
26:50what do you call it?
26:52>> It's it's composed of what?
26:56>> Yeah. essentially storeable things and
27:00food essentials like wheat, flour, mash,
27:03mash.
27:05>> Okay. So the this is what people eat.
27:07This is what usually people consume
27:10irrespective of how it is delivered put
27:12in cans or in you know boxes. It's it's
27:15it's about the type of food and how it
27:18is consumed.
27:20All right. Then he said crops and fruits
27:24and we just talked about fruits y they
27:26are dried stoable essential
27:30and then he say and goods for sale or
27:34trade merchandise
27:39anything that you have
27:43intending to trade it anticipating a
27:47return on it profit your anticip ipating
27:51a profit on it immediately. The moment
27:54that you have that intention, it's going
27:56to be accountable if the value
27:59reaches the threshold and one full year
28:02the duration passes.
28:05Yeah. For example, I have a car for
28:07personal usage. Is itable?
28:10And then I go to Instagram,
28:15I say I have a car for sale. From that
28:18moment, that car is what? The cat.
28:22Because I want to profit in it. Look, if
28:25I want to say to sell it to get rid of
28:27it, I don't want it. Is it the cat?
28:31Because I'm not looking for profit. What
28:34I'm looking for just to get it out of my
28:37face. I don't want it. I don't want this
28:39car.
28:41Okay. Every day, every day I wake up, I
28:43see this car in the garage. I feel sad.
28:47So then I want to get out of it or to
28:52yeah I don't want it then the intention
28:55has a huge effect on a zak that's why a
28:59zak has some role in the state and is
29:03still
29:04the eligible person the one who is
29:06legally juristically capable he has
29:09relationship with allahel
29:11so then what about this table is it
29:14accountable not at
29:16The moment that I want to sell it with
29:19the intention to profit on it, we call
29:22that merchandise
29:25immediately.
29:29We call it
29:33and the best hadith we have in this in
29:36regarding this this type of zakatable
29:40will is hadith.
29:42He said that the prophet sallallahu
29:44alaihi wasallam used to command us to
29:46give zaka on any type of wealth we
29:49prepare it
29:51for sale and to profit on it. Is that
29:56clear in
29:58so then livestock? What is livestock?
30:05>> Currency. What do you mean by it?
30:10>> Exactly. Crops
30:17>> stable food, storeable food and they are
30:19essentials. Food
30:23>> fruits,
30:25>> dried,
30:26>> stoable and essential
30:32as opposed to they say that they must be
30:35weighed. They are scaled. If they are if
30:39they are sold by number but by counting
30:43then they are not going to be
30:47considered to be zakat. They must be
30:49weighed a type of food that must be
30:52weighed. But without like what is said
30:54here just to introduce you to the to the
30:57concept and later inshallah you're going
30:58to know more
31:02goods for sale or trade
31:04>> anticipating for a profit.
31:05>> Anticipating for a profit. The moment
31:08you intend them for a prophet, then they
31:11are automatically going to be
31:13>> as
31:15again it's not just you say you sell you
31:20intending a profit. You turn that that
31:23commodity profitable. You make that item
31:26profitable.
31:29This is the mean of capital. You can
31:30make everything capital. You can make
31:32air capital.
31:34You you can make
31:37you can make air capitalized. They call
31:39it capital. You you can
31:44the the the the can.
31:48Now I can just take it and throw it when
31:51I finish. I just threw it either in the
31:53in the recycle or the the trash.
31:56Correct? But I can turn that very thing
31:59as capital because what is capital in a
32:02very simple terms? Anything that is
32:04going to produce another capital. So
32:06then what is capital? What is capital?
32:09Any any item that is going to produce
32:13profit.
32:15So you you if you produce profit we call
32:18you human capital. We can we capitalize
32:22the humans because they can produce
32:25capital. they can produce profit,
32:29right?
32:31Anything that you make that you can turn
32:34into capital and you can you can make a
32:37profit in it, it's going to to have zaka
32:40or it's going to be zakatable with other
32:43conditions.
32:47Any question so far?
32:50Yes.
32:54>> If you have account and you have money
32:57in it
32:58>> is that
32:59>> if you have a saving account yes
33:01absolutely if you have a saving account
33:04then it's going to be the cat because
33:07you can you can withdraw whenever you
33:10want and you can because it is function
33:12like a currency
33:14yes
33:17>> is goats going to be
33:20>> we will say she because if we you have
33:23she you have goats and what's the other
33:25One
33:28not lamb. Lamb is the meat
33:35you know. Yeah. Sheep they are of two
33:38types. Yeah. This species is of two
33:41types. In any place in the world there
33:43are different types but they they
33:46essentially are they are sheep is a
33:48genus under which you have two types. We
33:52have
34:00he told us that there are two
34:01categories. You have a button. What is a
34:04button?
34:06A button.
34:08You see that they the
34:12a button is the you know their um their
34:17wool is is not straight.
34:22You know what I'm what I'm talking
34:23about. They're not straight. It's
34:26fluffy. You call it. Okay. Also that
34:30their tail
34:32their t they don't have t they have any
34:35fat.
34:37Yeah. Their tail is fat. But the goat
34:40and also usually their ears they are
34:45>> short.
34:47This is called a button. Please
34:50translate it.
34:53Maybe is a goat.
34:57Okay.
34:59We call this
35:02and it's either to be male or female.
35:05Like what about almaz
35:08almaz usually their their ears are
35:14long
35:16their their um any wool is straight
35:22and their tail
35:26they don't have fat they have any tails
35:28you see them usually they they go up
35:32you see so I think now you you know what
35:34I'm talking about. So what is
35:37>> sheep with?
35:38>> Sheep with wool.
35:39>> Okay. And the other one with hair.
35:42>> Yeah. The goat is with hair.
35:46So the is with wool.
35:50Al is with hair. This is one of the
35:52differences. Usually also
35:57al they have you know a little beard.
36:02you especially the the the male the male
36:04one. So you understand now what we're
36:07talking about. Okay.
36:15They are as long as it is.
36:20Yes.
36:22>> For what? part of a business that you
36:24share
36:27partners share those
36:30>> we're going to talk about inah
36:33if you if you have ass if you
36:37if you have a partnership if you have a
36:39business what we're going to pay z on is
36:43on the profit according to the share of
36:46each owner but we're going to talk about
36:48it inshallah
36:50>> so what if I sell my car make a profit,
36:54but my intention is also to buy.
36:57>> So essentially, you would like to sell
37:00your car to profit from it and then
37:02you're going to use that capital to buy
37:04another car. It's a capital. You're
37:06going to pay even if that car.
37:10Let's suppose that you show your car,
37:12you have the car in the in the
37:13dealership, you have it for one year
37:16intending to pay it to to uh to sell it.
37:19Then after one year, it was not sold.
37:22Then you're going to pay zakat on on the
37:24value of it. You're going to see the
37:25value of it. Then you're going to you're
37:27going to pay the cat on the on it. 0
37:302.5% 0.025%.
37:34You divide it by and you pay. Or you
37:35multiply by 0.005
37:39and you're going to get the zakat the
37:42percentage. Yes.
37:47>> You're going to pay zakat every single
37:48year.
37:50Zakat zak. We're going to be talking
37:52about these like now ask about the and
37:55you understand now the meaning of
37:57zakatable will
38:00it's wrong it's wrong you understand the
38:02zaka to be only on the currency a lot of
38:06people they think of zak only to be what
38:10>> on on on cash on money on your bank
38:13account
38:14there's only one type of wealth if you
38:17have life is stuck if you have life
38:19stuck with the conditions in we're going
38:20to talking later. We're going to be
38:22talking about later. You're going to pay
38:24zakat.
38:25If you have your own car intending to
38:27sell it, your your house intending to
38:30profit on it, you're going to pay zakat.
38:33Okay? Bear in mind that is it's on your
38:37wealth, not on your income.
38:40Yes. So if you have stored food in your
38:42cupboard, they can all be
38:44>> if you have what
38:45>> like stored food like
38:47>> you have stored food intending to profit
38:51on it or you're just in
38:52>> you're just stoing it the moment look
38:57it's it's not the food that you buy the
38:59poo you grow
39:01you're going to pay zaka on the crops if
39:04you grow that that uh that the yield
39:09you're going going to pay zaka on the y.
39:11If you grow it, you're going to pay zaka
39:12on the y immediately. This is one. You
39:15don't need to wait a year. We're going
39:17to be talking about it in crops and the
39:19fruits. You pay zaka the moment you
39:22harvest them.
39:26What about moving on? Because it seems
39:28to me most of the questions they're
39:30going to be answered in later. Let's
39:32let's continue. He says, "As for the
39:35livestock, it is obligatory for three
39:38types."
39:39And we just talked about it. He said
39:41camels.
39:43>> Sheep.
39:44>> Yeah. He said cattle and sheep. Cattle
39:47had cow.
39:49>> Cow. Okay. But he is using a very formal
39:52Englishman.
39:54He's an Englishman.
39:57Yes, sir.
40:00[laughter]
40:02Very formal.
40:04to show that you are you are educated.
40:09Definitely definitely the you know the
40:12British the British accent is formal and
40:15they know how to speak. They're so
40:17educated educated in their language not
40:20necessarily in the substance
40:23you know unless that you speak in
40:25Cambridge or Oxford and exterior they
40:28speak in a very formal language. If
40:31you'd like to hear how they speak to
40:33compare to compare the level of language
40:36and education between the
40:38representatives in England, see, you
40:42know, how they discuss in Winminster,
40:45you know, the the British Parliament and
40:48how Congress they discuss. see the the
40:51the level of language, the level of uh
40:53you know etiquate and uh they are very
40:57you know eloquent and how they speak
41:00here this camera from Texas. What do you
41:03expect?
41:09He says
41:12that that's the problem. You have very
41:14uneducated people. They can determine
41:17nuclear bomb.
41:21But the British you find that they are
41:23educated. If you go there, if you go
41:24over the their background
41:28you find that because the commons they
41:31are appointed by the monarch
41:33about twothirds of the commons they are
41:36appointed by the by the monarch and then
41:39the church the church of England they
41:41also appoint not not for the commons for
41:44the lords because they they have two
41:46chambers. One is the lords, one is the
41:49commons. What do you call them here?
41:52The house of representatives and the
41:54house of and the and the
41:58senators.
42:00The senate
42:03definitely there is a level a difference
42:04of language. You see it. It's very
42:06obvious.
42:08Even the Australians the Australians
42:10when they speak in their parliament that
42:12you see more more educated better
42:14language. here sometimes you you see
42:17some slang guy slang very uniform
42:22so the standard is very low here as long
42:24as you have a corporate behind you you
42:26tell them you tell them I will give you
42:28whatever you want you're going to be in
42:30Congress you never even attended the
42:32school
42:36he says there are six conditions for it
42:39to be obligatory
42:43what he's talking about livestock. How
42:46did he know about it? Through exhaustive
42:49investigation.
42:52He said first Islam
42:55and I wish that he make these conditions
42:57and the conditions of zaka at the
42:59beginning. Then he talks about the types
43:02of wealth that is zakable like we're
43:04going to go about. Yeah. And we're going
43:06to go with what he presented. He started
43:08with Islam definitely unanimously. So
43:11there is no zak in any in any shape or
43:14form upon
43:15>> a even if he is he he lives with us
43:21there is no zak
43:24if he is a dimmi they will pay but jiza
43:28is it's only upon
43:31>> male
43:32who is reaching the age of puberty who
43:35has the capacity to participate in the
43:38army
43:41So if he's an elderly he won't be he
43:43won't pay he won't pay women children
43:46they won't pay
43:49but but even Muslim children in their
43:52wealth they will pay zak
43:57now they used to say we don't want
44:0140% you're taxed you're taxed 40% and
44:05this is for what
44:07only for your income. So what about your
44:10property tax? What about the sale tax?
44:13You are stolen publicly
44:16and you're going to pay pay.
44:20Yeah, you will pay. You can't even give
44:23up one cent otherwise you're going to be
44:26imprisoned and would be taken from you.
44:31The the the the thing here is that Islam
44:34definitely for zaka
44:37any type of zakat any wealth that is
44:41zeatable or any zakatable asset any
44:44zakatable type of wealth it's going to
44:47be mandatory or obligatory upon a Muslim
44:50this the first condition
44:52because how do we know that because he
44:54sallallahu alaihi wasallam when he sent
44:58to the people of Yemen he Say to them
45:01the first that you call them to. After
45:03they accept, you ask them to pray salah.
45:06After they accept, you ask them zak. And
45:10also when you send them to Yemen, you
45:11say that this is what you take from
45:13Muslims and this what you take from
45:25type of gowns.
45:29Muim
45:31it's Islam unanimously.
45:38Freedom. Freedom here is the opposite of
45:41what?
45:42>> Slaves. Slavery.
45:49The if a person is a slave
45:52then he's not required to be zak. The
45:55reason is that he does not own the
45:59differed. If his master enables him to
46:02own, can he own? The scholars differ.
46:05The most correct opinion is that if his
46:08master enables him to own, then he will
46:10pay zakat. Then then he would own. Then
46:13he would own. But if he owns, is he
46:16required to pay zakat? The most correct
46:18opinion is not.
46:21All right. This is the opinion of Malik.
46:25A slave does not pay zak because he
46:27cannot own. And the vast majority of the
46:29scholar they see that he even if his
46:31master enables him to own he won't own.
46:34But the most correct opinion is that if
46:36his master enables him to own and he he
46:38he says to him I give you m and this car
46:42it's yours he can own but is it going to
46:46be zakatible? The most correct opinion
46:48is no.
46:51Then you say complete ownership,
46:55full ownership.
46:57What do you mean by complete ownership?
47:01Complete ownership.
47:05You
47:07the anytime you want the money to be
47:10available, you can have it.
47:13This is the meaning of full ownership.
47:16If you don't know
47:18whether that you're going to own it or
47:20not,
47:22we call it unstable
47:27unstable wealth. So then it needs to to
47:30have full ownership
47:34full ownership
47:36available for withdrawal, available for
47:39usage.
47:41What would you do as a as a result of
47:44had methan
47:48if you have
47:50if
47:52if you are actually the creditor.
47:56Okay, you're giving me part portion of
48:00your livestock to someone else.
48:04Okay,
48:06he he took them as
48:10debt.
48:13Are you going to be required
48:16and and he will give them back? Look,
48:19not
48:21Yeah. And he's he's not um because look,
48:24when you when you have you take
48:28something and you return the you return
48:30it back. Exactly. If you take a loan, if
48:34you take something as a loan, you don't
48:35borrow it, then you give it. If I borrow
48:37from you this battle, I will give it
48:39back. If I take a loan, I will give I
48:42will take this battle and it will give
48:45you an alternative of the same value.
48:48Okay? So if someone now if if he is
48:54taking your
48:57livestock methan cows
49:00he has taken them as a loan. Okay,
49:06there is accountable
49:08we say wait we say there are details
49:12if that person has the capacity to give
49:16you back when when it's the time of
49:19maturity when it's due
49:22and he is also going to give he is not
49:25going to postpone and make your life
49:27miserable
49:29then we say that you're going to pay zak
49:31on them
49:33when you get them back
49:36for whatever years they they have
49:38passed.
49:40Are you with me?
49:42So now imagine
49:45for example,
49:47you have 500 cows.
49:51You give 200 to a person. You say that
49:54I'd like to take them. I'd like to take
49:57these 200 and these 200s he might use
50:00them for whatever
50:03but he wants to invest with them. He
50:04would like to get their milk. He want to
50:06enhance his business. Whatever.
50:09So he has a reason to take them from
50:11you.
50:13I will give them back to you in two
50:16years.
50:17Now one year passed.
50:21Are these cows counted in the total of
50:25what you possess?
50:27So it depends
50:29if that person has the capacity when
50:32it's due to give it back to you and we
50:35know that
50:38we know that he has the capacity if he
50:40is sued he will attend the court.
50:43This is the meaning that he has the
50:45capacity to give back and to be
50:48available.
50:50Okay. He won't he has the capacity to
50:53give you back and he would be available.
50:56If this is the case then then you when
51:01after two years after he gives you back
51:03and after you have them now they are in
51:06your farm back then you're going to pay
51:09a zaka on what? On the two years passed
51:13but only when you possess them when you
51:15get them back. If however you know that
51:18he is bankrupt
51:20now he's bankrupt or he's not bankrupt
51:23but he is he's a you know fraudulent he
51:27traveled overse you know no we don't
51:30know where he is he's a fraudulent
51:33person then you don't pay you don't pay
51:35zaka because you don't have full
51:38ownership
51:40because they are not available not
51:42available for you and milk tam milk. All
51:48right.
51:50Then he says
51:52that they need to reach and is
51:56threshold. Yeah. The minimum threshold
52:00when the life is stuck and we're going
52:02to be knowing we're going to know in
52:04about the life about the threshold if
52:06they reach nab is not age nab is a
52:10threshold of how many you have.
52:14So then he says the threshold because he
52:18sallallahu alaihi wasallam says
52:22we know that we have we have evidences
52:25there is a unanimous agreement there is
52:28a unanimous agreement that they must
52:30reach they must reach a threshold
52:33and then he says the completion of one
52:36year the completion of one year the
52:39passing of one year with that full
52:41ownership from the time you own them
52:46not necessarily they are on your farm.
52:48The moment you own them, they are they
52:51are in you are the owner.
52:55If you are the owner and you have full
52:57and you have full ownership in the sense
52:59that they are available for possession
53:01then from that time you start counting
53:04one year and that year is counted
53:06according to the Islamic lunar calendar
53:10not according to the Gregorian calendar
53:13as if you're here or if you're in China
53:14you count by the Chinese calendar you
53:17count it according to the Islamic lunar
53:20calendar because look any ruling any
53:24ruling that is Islamic related to months
53:27is going to be counted by what?
53:29>> By the Islamic lunar calendar
53:32waiting period. We count it according to
53:35the to the lunar calendar to the Islamic
53:38lunar calendar
53:42a person has you say if that month
53:44passes meth
53:48according to the Islamic lunar calendar
53:49you don't count them according to
53:51January February
53:53you count them according to the Islamic
53:55lunar calendar and then lastly he says
53:59and gra as opposed to malik grazing that
54:04they need to graze.
54:06But if the
54:09they graze and when they graze, they
54:13graze
54:15more than half of the year.
54:18If they graze less than half of the
54:20year, then they are not the
54:26need to graze half, six months or more
54:29of the year. Now, what is the opposite
54:32of a grazing? You are the one who is
54:34going to provide for them. You are the
54:37one who bringing the hay and you are the
54:40one who taking care of them. You don't
54:43and let them go and graze
54:47as opposed to Malik. Malik he says
54:49whether that you are actually taking
54:51care of them or they are grazing.
54:54They're going to be you're going to pay
54:55his account. The most correct opinion is
54:57that we stipulate to be grazing as the
55:00author mentioned. Any
55:03question?
55:05Do you understand what we say?
55:08>> Yes. What's your name?
55:10>> No, I'm Muhammad.
55:14>> For the merchandise or they intend to
55:16sell
55:18>> if you buy shoes that you're going to
55:19wear, but someday you're willing to
55:21resell it.
55:23>> So you bought you bought shoes. You are
55:26actually intending for personal
55:30>> usage. But in case in case someone is
55:33going to
55:35give me a profit on them, I am willing
55:38to sell them.
55:39>> Right? But did you show them? Did you
55:43then you didn't pay his account? You
55:45know, because you are actually intending
55:47them intending them for personal usage.
55:50They're not merchandised.
55:52You know,
55:53now
55:56>> Yeah. What is it?
55:57>> Seeds.
56:02seeds again they are going to be eatable
56:07edible
56:12>> if they eat they need for for them to be
56:15zatable they must be edible we eat them
56:24>> yes
56:25>> if you rent a home um for like a year or
56:28over a Yeah.
56:29>> What would the amount
56:33>> on the on the on the on the on the what
56:36do you call it the the occupant?
56:39>> No. For the person
56:42the owner of the property. He will pay
56:44zaka on on the rent when he receives it.
56:48>> The full or the full year worth of the
56:51rent after after one year. after
56:54>> after one year because this is because
56:58it's going to be added to the already
57:01capital he has and then he will pay his
57:02account on the total.
57:06>> Yes.
57:07>> I intend to sell items
57:09>> but I have not sold anything yet. Yes.
57:11>> Trouble selling it.
57:12>> Yeah.
57:12>> Am I still required?
57:13>> Yes. Yes. Because you have turned it
57:15into capital. But this is a trade. Trade
57:17is either your profit or lose. This is
57:19how trade works.
57:23Yes.
57:28>> Yeah.
57:34>> Then you it it is not now the cate
57:39if you actually about two or three
57:41months you change your mind. Do you
57:42start a new year from the new intention
57:46or you or you resume
57:50according to the most correct opinion?
57:51you start a new year, you don't resume,
57:53you don't build on the previous
57:56intention. So let's assume for 11 months
58:00you wanted to sell your house. Then you
58:02change your mind. You married now you
58:04would like to live in the house and then
58:08after after you married methin by half
58:12of the month, you know, you decided to
58:15go to an apartment. You didn't need the
58:16house. So then you intended to sell it
58:18for a profit, not to get rid of it. you
58:21want to profit from it. We say now you
58:23start
58:24although you you had only one month you
58:27were about about just one month to pay
58:28zakat on it because you have changed the
58:31intention however and Allah knows what
58:33is in your intention if you are
58:34intending if you are playing around you
58:36are actually intending to divert from a
58:38zakat you're going to pay you're going
58:40to pay you're going to pay zakat
58:43>> now
58:48>> get it
58:51After one year,
58:54you have a car, you intended to sell it,
58:56and since the time you you intended, one
58:59year passed and then after one year,
59:02there was a damage. You had a a car
59:04accident. Yes. You're going to pay
59:06account on the value on it before the
59:08damage.
59:12>> Yes. Over there. And now
59:17zak have to be paid on can someone
59:20before you meet the threshold.
59:24>> Can can they pay zaka before the wealth
59:28reaches the the threshold
59:33but you can pay it as a charity. It's
59:36the same as if a person says I'd like to
59:38pray before it's time because the reason
59:41for it [clears throat] to be zak and
59:43obligated it needs to reach the
59:45threshold but before the time of you can
59:48pray you can give charity.
59:54>> Yes.
59:56Yes. You
59:58>> what's the threshold for?
1:00:00We're going to talk about it. It's going
1:00:03[clears throat] to be 85
1:00:06grams of gold. Pure gold.
1:00:1324. You know what we categorize gold?
1:00:17The pure gold which is 99.9%
1:00:20is going to be the 24. Not the 18, not
1:00:24the 14,
1:00:25not the 12, the 21, the 24. the pure
1:00:29gold, the pure silver, the the one that
1:00:32is going to be 99.9%.
1:00:37>> Yes.
1:00:38>> So when you say anticipating a profit on
1:00:39it, is it strictly just a positive
1:00:41profit and no negative like a negative
1:00:45profit?
1:00:45>> As long as it is profitable either that
1:00:48you you profit on it 0.00001%
1:00:51or you profit on it 1% 2% 3%.
1:00:54>> No, no, you lose money actually.
1:00:56>> Yeah.
1:00:57This is later. This is after. We're
1:00:59talking about the intention. You're
1:01:00intending for this property to be
1:01:02profitable, to be capital. You want to
1:01:05turn it into capital. Whether that you
1:01:07lose or your profit, this it's going to
1:01:10be you're going to pay zakat on it.
1:01:12>> Yes. Over there.
1:01:14>> What is the ruling for a loan that you
1:01:16gave up that's not easily available?
1:01:19>> So, so you are actually lending someone
1:01:21else
1:01:23>> and then that person is not giving you
1:01:25back. We're going to be talking about it
1:01:26inshallah. So if that person is not
1:01:28giving it back to you and he he's not
1:01:31willing to give it back to you, then you
1:01:33only going to pay zaka the moment that
1:01:35is in your hand in your bank account and
1:01:37you're going to pay zaka only for one
1:01:40year
1:01:41that year where you received it. That's
1:01:43it. But if he is actually willing to
1:01:46pay, willing to pay and if you sue him
1:01:49to court, he's going to be available. As
1:01:51well as he has the the the the capacity,
1:01:54the financial capacity to pay, then
1:01:56you're going to again pay it pay zaka
1:02:01when you receive it, when you have it,
1:02:03but for the whole years,
1:02:06four years, five years or 10 years?
1:02:11>> Yes.
1:02:14something like you shred something you
1:02:16still
1:02:17>> the the scholars differed regarding this
1:02:20issue. Can is it still mandatory to pay
1:02:23zaka on a profit earned through haram
1:02:26means or not? And and for me if you are
1:02:31actually doing it if you are actually
1:02:33doing it with the intention to avoid
1:02:36zaka
1:02:38you you will pay zakah but if you don't
1:02:41have that intention to pay zakah I'm
1:02:43still reluctant but in order to be in
1:02:44the safe zone a person should pay zakah
1:02:47even it's own through haram means the
1:02:50likes of prostitution
1:02:54gambling
1:02:56and so on and so forth.
1:02:59Yes.
1:03:01>> Because you have by the way prostitution
1:03:04is everywhere through what?
1:03:08>> A social media.
1:03:10Now
1:03:12any brilliant men and women they are
1:03:15deciding to quit school and to go there
1:03:17because they can be millionaires in a
1:03:20month. Why you need to work and just
1:03:22show your body and that's it. You're
1:03:25going to get millions. This is what they
1:03:26have turned them. And believe it or not,
1:03:28here in the United States now, I think
1:03:31no less than 5 million girls, this is
1:03:34how they earn their profit.
1:03:38This is the society you are in. Yes.
1:03:42>> You said you need to have something for
1:03:47>> Say it again.
1:03:48>> You need to have something to like for
1:03:51one year in calendar.
1:03:53>> Yes. Exactly.
1:03:55You need to have it one year to pay
1:03:57zakat
1:03:59and one year passing and you still have
1:04:02the threshold. If one year passes and
1:04:05the the amount you have is below
1:04:09below and then it goes again then you
1:04:11don't pay his account it need one full
1:04:14loan or year passing and whatever you
1:04:18have does not go below the threshold.
1:04:24In we're going to be back and continue.

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