“A BEGINNERS’ COURSE ON ISLAM” Lessons on Fardhu ‘Ain in English for Adultsconducted by Ustaz Zhulkeflee Hj Ismail “ARKAAN AL-ISLAM” Pillars of Islam (Submission) AZ-ZAKAH (TAX UPON WEALTH)

1. “ A BEGINNERS’ COURSE ON ISLAM” Lessons on Fardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismail HADITH OF JIBRA-’IL LESSON # 12 Using textbook & curriculum he has developed especially for Muslim converts and young Adult English-speaking Muslims. “ To seek knowledge is obligatory upon every Muslim (male & female)” IT CAN ALSO BE A REFRESHER COURSE FOR MUSLIM PARENTS, EDUCATORS, IN CONTEMPORARY SINGAPORE. OPEN TO ALL UPDATED JANUARY 2012 Every Friday night @ 8pm – 10pm Wisma Indah, 450 Changi Road, #02-00 next to Masjid Kassim All Rights Reserved© Zhulkeflee Hj Ismail (2011) “ ARKAAN AL-ISLAM” Pillars of Islam (Submission) IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL AZ-ZAKAH (TAX UPON WEALTH)

2. (The basic message of Islam) FARDHU’AIN : CONDUCTED BY USTAZ ZHULKEFLEE HJ ISMAIL LESSONS FROM TEXTBOOK “ Beginners’ Manual on Islam ” IN THE NAME OF ALLAH, MOST COMPASSIONATE, MOST MERCIFUL All Rights Reserved© Zhulkeflee Hj Ismail (2011) FROM PREVIOUS LESSONS

7. “ Do they seek for other than the Religion of Allah?―While all creatures in the heavens and on earth have willing, or unwilling, bowed to His Will (accepted Islam), and to Him shall they all be brought back.” ( Qur’an: Aali ‘Imran: 3: 83 ) All Rights Reserved© Zhulkeflee Hj Ismail (2011)

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9. “ Now then, for that (reason), call (them to the Faith), and stand steadfast as thou art commanded nor follow thou their vain desires; but say: "I believe in the Book which Allah has sent down; and I am commanded to judge justly between you. Allah is Our Lord and your Lord. For us (is the responsibility for) Our deeds, and for you for your deeds. There is no contention between us and you. Allah will bring us together, and to Him is (Our) final goal.” ( Qur’an: ash-Shura: 42: 15 ) All Rights Reserved© Zhulkeflee Hj Ismail (2011)

12. Islam is built upon Five (pillars): [1] To bear witness that there is no god except Allah, and that Muhammad is the Messenger of Allah; [2] And to establish the (Daily obligatory) Swolah; [3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the House) for those who has the means to (do) it; [5] And to Fast (daily) in Ramadhan. All Rights Reserved© Zhulkeflee Hj Ismail (2011)

13. Islam is built upon Five (pillars): [1] To bear witness that there is no god except Allah, and that Muhammad is the Messenger of Allah; [2] And to establish the (Daily obligatory) Swolah; [3] And pay out the Zakah (tax on wealth); [4] And to make pilgrimage (Hajj) to the House) for those who has the means to (do) it; [5] And to Fast (daily) in Ramadhan. All Rights Reserved© Zhulkeflee Hj Ismail (2011)

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28. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ Verily We have created Man into toil and struggle. Thinks he, that none hath power over him? He may say (boastfully): "Wealth have I squandered in abundance!” Thinks he that none beholds him? Have We not made for him a pair of eyes?― And a tongue, and a pair of lips?― And shown him the two highways? “ ( Qur’an: al-Balad: 90: 7-10 )

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46. TYPES OF WEALTH NISAB HAUL RATES OF ZAKAT All Rights Reserved © Zhulkeflee Hj Ismail 2011

56. “ ASAANIF” : THE CATEGORIES OF PEOPLE UNTO WHICH ZAKAT MUST BE GIVEN TO. All Rights Reserved © Zhulkeflee Hj Ismail 2011

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58. “ The alms are only for the poor and the needy, and those who collect them, and those whose hearts are to be reconciled, and to free the captives and the debtors, and for the cause of Allah, and (for) the wayfarer; a duty imposed by Allah. Allah is Knower, Wise.” ( Qur’an: Taubah: 9: 60 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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61. “ The Believers men and women, are ( AWLIYA’ ) protectors one of another: they enjoin what is just, and forbid what is evil: they observe regular prayers ( swolah ), practice regular charity ( zakah ), and obey Allah and His Messenger. On them will Allah pour His mercy: for Allah is Exalted in power, Wise.” ( Qur’an: Taubah: 9: 71 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

62. [1] The “ poor; or those in poverty .” They are those who do not possess any wealth, or whose income is less than ⅓ of what he needs to sustain livelihood for himself and people under his guardianship. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FUQARA’ - FAAQIR

63. [2] These are the “ needy; those in need ” or (those slightly better-off than the “ faqir ”) who may have possessions and income, yet “whose income is still less than ⅔ of what he needs to sustain livelihood for himself and family under his care.” All Rights Reserved © Zhulkeflee Hj Ismail 2011 MASAAKIN - MISKEEN

64. [3] The full description is “ those who are employed or working upon it (collecting and distributing the zakah)”. This imply necessity for zakat institution be managed (efficiently) professionally; and to safeguard the honour of every Muslims from having to beg. All Rights Reserved © Zhulkeflee Hj Ismail 2011 ‘ AAMILEEN – ‘AMIL

65. [4] The literal translation of this group is “ those whose hearts are reconciled (i.e. towards accepting Islam) ”. This is to ensure new Muslims’ every need is provided for, even those who may be rich, they are entitled to disbursement from the Islamic treasury. All Rights Reserved © Zhulkeflee Hj Ismail 2011 MU-ALLAF

66. [5] From the word meaning “ neck ” – it refers to the ransoming or free Muslims from slavery. This shows that every Muslim must be freed from all forms of slavery or from being under oppression. Their freedom must be accorded for them (if need be) using the zakat funds. Although chattel slavery no longer exist, yet Islamic scholars are known to apply ‘ qiyas ’ (juristic analogy) for what may constitute modern ‘slavery’. All Rights Reserved © Zhulkeflee Hj Ismail 2011 RI-QAAB

67. [6] These are “ those who are indebted ”. We differentiate “ debt ” from “ loan ”. Loan is merely one who can afford to repay what he owes, except that it be deferred. He is not what we mean by “one who is indebted”. “ Those indebted ” are akin to “ faqir & miskin ” but in a temporary sense, because of unforeseen expenditure incurred due to misfortune, sickness, accident, calamities etc. All Rights Reserved © Zhulkeflee Hj Ismail 2011 GHAA-RIMEEN

68. [7] Literally, it means “ those (fighting, striving) in the Way of Allah ”. This is for those Muslim “ Mujahideen ” in the way of Allah, during war as fighters; and In peace time, it include the “ Mujahid of Da’wah ” i.e. those striving to “ raise the kalimah of Allah, to be highest ” in the field of spreading the teachings of Islam through Da’wah. All Rights Reserved © Zhulkeflee Hj Ismail 2011 FEE-SABI-LILLAAH

69. [8] This refers to Muslim “ travellers or wayfarer ”. A Muslim traveller in need, has rights to zakat funds, wherever or whenever he encounters difficulty while travelling in Muslim lands. In fact, there were times in history that the Islamic state provided 3 days hospitality in caravanserais ( musafir-khana ) managed by Islamic treasury ( bayt-ul-maal ) , for every Muslim travellers. All Rights Reserved © Zhulkeflee Hj Ismail 2011 IBNUS-SABEEL

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72. “ Fair in the eyes of men is the love of things they covet: women and sons; heaped-up hoards of gold and silver; horses branded (for blood and excellence); and (wealth of) cattle and well-tilled land. Such are the possessions of this world's life; but in nearness to Allah is the best of the goals (to return to).” ( Qur’an: Aali ‘Imran: 3:14 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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74. "But seek, with the (wealth) which Allah has bestowed on thee, the Home of the Hereafter, nor forget thy portion in this world: but do thou good, as Allah has been good to thee, and seek not (occasions for) mischief in the land: for Allah loves not those who do mischief." ( Qur’an: Qasas: 28: 77 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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76. “ Who is he that will loan to Allah a beautiful loan, ( QARD’-HASANAH ) which Allah will double unto his credit and multiply many times? It is Allah that gives (you) want or plenty and to Him shall be your return.” ( Qur’an: Baqarah: 2: 245 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

77. All Rights Reserved © Zhulkeflee Hj Ismail 2011 Render not vain your almsgiving ( swodaqat ) by reproach and injury, ( Q: Baqarah: 2: 264 )

78. “ Those who spend their wealth in the cause of Allah and follow not up their gifts with reminders of their generosity or with injury,― for them their reward is with their Lord; on them shall be no fear, nor shall they grieve. ” ( Qur’an: Baqarah: 2: 262 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

79. “ Kind words and the covering of faults are better than charity followed by injury. Allah is free of all wants, and He is Most Forbearing. ” ( Qur’an: Baqarah: 2: 263 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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81. “ O ye who believe! Render not vain your almsgiving ( swodaqat ) by reproach and injury, like him who spends his wealth only to be seen of men and believes not in Allah and the Last Day. His likeness is as the likeness of a rock whereon is dust of earth; a rainstorm smites it, leaving it smooth and bare. They have no control of aught of that which they have gained. Allah guides not the disbelieving folk. ” ( Qur’an: Baqarah: 2: 264 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

82. “ The Satan threatens you with poverty and bids you to conduct unseemly. Allah promises you His forgiveness and bounties and Allah cares for all and He knows all things.” ( Qur’an: Baqarah: 2: 268 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

83. “ Whatever of good ye give benefits your own souls and ye shall only do so seeking the "Face" of Allah. Whatever good ye give, shall be rendered back to you and ye shall not be dealt with unjustly. ” ( Qur’an: Baqarah: 2: 272 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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86. “ And let not those who covetously withheld of the gifts which Allah hath given them of His Grace think that it is good for them: nay it will be the worse for them: soon it will be tied to their necks like a twisted collar on the Day of Judgment. To Allah belongs the heritage of the heavens and the earth; and Allah is well acquainted with all that ye do.” ( Qur’an: Aali ‘Imran: 3: 180 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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88. “ Allah hath heard the taunt of those who say: "Truly, Allah is indigent and we are rich!",― We shall certainly record their word and (their act) of slaying the Prophets in defiance of right, and We shall say: "Taste ye the penalty of the Scorching Fire!. “ ( Qur’an: Aali ‘Imran: 3: 181 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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90. “ O ye who believe! There are indeed many among the priests and anchorites, who in falsehood devour the wealth of men and hinder (them) from the Way of Allah. And there are those who bury gold and silver and spend it not in the way of Allah: announce unto them a most grievous penalty.” ( Qur’an: Taubah: 9: 34 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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92. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ On the Day when heat will be produced out of that (wealth) in the fire of Hell, and with it will be branded their foreheads, their flanks and their backs― "This is the (treasure) which ye buried for yourselves: taste ye, then the (treasures) ye buried!" ( Qur’an: Taubah: 9: 35 )

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94. All Rights Reserved © Zhulkeflee Hj Ismail 2011 “ And spend something (in charity) out of the substance which We have bestowed on you, before death should come to any of you and he should say "O my Lord! why didst thou not give me respite for a little while? I should then have given (largely) in charity, and I should have been one of the doers of good." But to no soul will Allah grant respite when the time appointed (for it) has come: and Allah is well-acquainted with (all) that ye do.” ( Qur’an: Munafiun: 63: 10-11 )

95. “ Protect your wealth by paying the Zakah , and heal your sick by giving charity ( sadaqah )” ( Hadith of the Prophet Muhammad s.a.w .) All Rights Reserved © Zhulkeflee Hj Ismail 2011

96. “ There is no wealth which is mixed with (portions in which) zakat (is not paid) except that it will be cause of destruction.) ( Hadith of the Prophet Muhammad s.a.w .) All Rights Reserved © Zhulkeflee Hj Ismail 2011

97. “ If you fulfil (pay out) the zakat upon your wealth with a good heart (i.e. without feeling regret or sense of loss, or being insincere, hypocritical etc.), then in reality you have been saved from the evil (or harm which your wealth may bring upon you).” ( Hadith of the Prophet Muhammad s.a.w .) All Rights Reserved © Zhulkeflee Hj Ismail 2011

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99. “ O Allah! Make sufficient for us our provision with what is lawful (halal) and not from what is forbidden (haram). Enrich us with the bestowals from You alone, not from other than You.” ALLA-HUM-MAK - FI-NAA BI-HA-LAA-LI-KA- ‘AN-HA-RAA-MIK, WA-ARGH-NI-NAA – BI – FADw -LI-KA – ‘AM-MAN –SI- WAAK All Rights Reserved © Zhulkeflee Hj Ismail 2011

100. ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL- BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI, WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA – AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN-YAA – WA – ‘A-DZAA-BIL – QAB-RI All Rights Reserved © Zhulkeflee Hj Ismail 2011

101. “ O All a h, I seek refuge in You from miserliness and cowardice, I seek refuge in You lest I be returned to the worst of lives “i.e. old age, being weak, destitute, incapable and in a state of fear, etc.”, and I seek refuge in You from the trials and tribulations of this worldly life and the punishment of the grave.” All Rights Reserved © Zhulkeflee Hj Ismail 2011

102. “ O Allah! We ask that You be pleased with us and (grant us) the Paradise, and we seek refuge (in You) from Your wrath and the Hell-fire.” ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- DwAA -KA WAL JAN-NATA, WA-NA-’UU- DzU- BI-KA MIN SA-KHA-TI-KA WAN-NAAR All Rights Reserved © Zhulkeflee Hj Ismail 2011

103. “ (May) Allah grant His Reward upon Muhammad, salutations of Allah and Peace be upon him and his family, in accordance with what he deserves (in Allah’s knowledge & estimation).” All Rights Reserved © Zhulkeflee Hj Ismail 2011 JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘ ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU

104. ” Glory to thy Lord the Lord, of Honour and Power! (He is free) from what they ascribe (to Him)! And Peace on the Messengers! And praise to Allah, the Lord and Cherisher of the Worlds.” ( Qur’an : Saffat: 37 : 180-182 ) All Rights Reserved © Zhulkeflee Hj Ismail 2011

105. http://an-naseehah.blogspot.com/ http://introductiontotauhid.blogspot.com/ http://oyoubelievers.blogspot.com/ http://al-amthaal.blogspot.com/ http://zhulkeflee-archive.blogspot.com/ http://criteriaforaholybook-quran.blogspot.com/ http://with-the-truthful.blogspot.com/ http ://muqaddam-nurul.blogspot.com/ All Rights Reserved © Zhulkeflee Hj Ismail 2011