Friday Sermon by: Alban Fejza, Online Congregation Director
Summary:
In this Friday sermon, Alban Fejza explains that Zakat means purification of wealth rather than only removing poverty, and describes how the community’s Zakat is arranged, reported and distributed.
Video Transcript:
Praise be to God, there is no other God except God. As we know, the word zakat in the Quran means purification. It’s about purifying your wealth. It’s not necessarily about removing the poverty from the poor. When God kept the children of Israel in the desert, he guaranteed them that he would provide for them food each day from the sky. Each morning they would get food from the sky, manna and quails. And they were guaranteed to not be poor. And also no one was rich because they were prohibited from being rich. The Bible tells us that if any of them would take more than one day’s amount of food, they would be punished. So they were all equally wealthy at that moment. And yet they still had to give zakat according to the Quran. How so? Well, it’s because zakat is about removing the wealth from you. The children of Israel gave it to the messenger Aaron. And do you know what he did with it? He burned it. There were no poor people there. He burned it and the Bible says that God accepted it. Also, the Quran tells us that one of the sons of Adam offered an offering to God. And there were no poor people then. Only four people in the world. And the lightning strike burned the animal and it was gone. God accepted it. He just removed it from his hands. So zakat is about getting rid of 1/40 of your extra wealth. It’s a way to show that you had more than what you need. Had you kept all the wealth which God gave you, there would be no way on the day of judgment to prove that you thought that God gave you enough. Because the disbelievers can claim that you only didn’t take more because God didn’t give you more, but you wanted more. But if you refrain from taking everything that you were given or give away that last portion of it, then this actually shows that you felt that you had enough and you are satisfied with what God gave you. And to this day in the Middle East, for example, when people want to show that they don’t want any more food as a guest, they will leave some of it on the plate so that the host knows that they are full and satisfied. Now, we don’t have to do this with people, but we have to do this with God. We should do this with our own wealth to show that we are pleased with what God gave us. So, as far as you are concerned, you should just make sure that you don’t take that last portion, that last 1/40. And what happens after it should not be your concern. Whether it reaches the poor people or not, God deals with it today through the authorized people. This is why you never find it in the Quran that zakat should be given to poor people. Look, these are all the verses in the Quran which mention the word zakat in all its grammatical forms. All of them are listed here without exception, and none of them mention the poor or needy people as recipients of zakat. Feel free to check them one by one, including the verses around them, and you will realize that none of them tell us that zakat is about giving money to poor people. Instead, five of these verses say that zakat purification is achieved through God’s messenger, and let me read them one by one. Verse 2:129 says, “Our Lord, and raise among them a messenger to recite to them your revelations, teach them the scripture and wisdom, and purify zakat them. You are the almighty, most wise.” Verse 2:151 says, “Blessings such as the sending of a messenger from among you to recite our revelations to you, purify zakat you, teach you the scripture and wisdom, and to teach you what you never knew.” Verse 3:164 says, “God has blessed the believers by raising in their midst a messenger from among them to recite for them his revelations, and to purify zakat them, and to teach them the scripture and wisdom. Before this, they had gone totally astray.” Verse 62:2 says, “He is the one who sent to the Gentiles a messenger from among them to recite to them his revelations, purify zakat them, and teach them the scripture and wisdom. Before this, they had gone far astray. Verse 9:103 says, “Take from their money a charity to purify them and sanctify zakat them, and encourage them, for your encouragement reassures them. God is Hearer, Omniscient.” So, I gave you all the numbers of the verses in the Quran which mention the zakat, and none of them mention any poor or needy people there. Instead, five of those verses mention God’s messenger as the process of purification or zakat. And one of those verses, verse 9:103, specifically is talking about financial purification, because it says, “Take from their wealth a charity.” So, they go through financial purification, zakat. And from this verse, we can also deduce that after the money has been taken, then it is called sadaqa, charity. So, according to this, a submitter passes a specific portion of his money through God’s messenger, which is called zakat, and then from that moment, it is called sadaqa. A sadaqa, a charity which God’s messenger should make sure that it reaches the poor, the needy, and so on. So, as you can see, this is the essential difference between sadaqa and zakat. Let me present this in a graph.
So, here we have the submitter who passes the money through God’s messenger, and up to that point, it is called zakat, purification. And from that point on, it is called sadaqa, charity. And then it reaches the receivers, the people who need it or deserve it. So, people have had it slightly wrong for centuries when they thought that the difference between zakat and sadaqa is that zakat is obligatory, while sadaqa is voluntary. The real difference is that zakat is always obligatory, while sadaqa is sometimes obligatory and sometimes not. It’s obligatory in cases when it comes from zakat, and voluntary in cases when it comes directly from wealth. But anyway, the Quran in verse 9:60 gives the eight categories to whom sadaqah should go, which includes of course also the sadaqah which came from zakat because it does not give us an exception. So, let’s split these receivers into those eight categories mentioned in the Quran. Here they are. So, we have the poor, fuqara in Arabic, which also includes those who are unemployed and do not receive unemployment benefits in their countries. Then we have the needy, miskin, which also includes the homeless or those who are stuck without options in a poor country. Then we have the workers, which also includes those who help collect and distribute the zakat, and also it includes any administrative work towards that, like money transfer fees and so on. If any company or institution or people help us distribute the zakat, like Visa cards and so on, they might take a fee for that, and that is included here in this category, the workers. You do not need to give an additional zakat amount for that. That is included inside the zakat amount which you give. They work to provide that service for us, and that category of workers is included here. The other category is those with inclined hearts, which I prefer to translate as those in psychological distress. Anyone who has recently gone or is now going through psychological distress. We might not always be able to notice that for them because some people hide it better than others, but usually it happens to people who are going through a rough time or those who overwork themselves. Someone who lost someone dear, either through an early death or unwilling separation, or it also includes seriously sick people. But in many cases, the sick people are not included in this category because they might have better support from the health care system. And the psychological distress happens most often to a person when he is caught simultaneously between lack of financial support, lack of social support, and lack of emotional support. If these three happen all at the same time, the chances increase drastically that a person is very likely going through psychological distress. And the crossings of these three factors at once is more likely to happen to people who live alone or those who feel unsupported in their own family. Now, psychological distress is interlinked very closely with new converts as well. They either went through it recently or are going through it when they convert or will go through it soon after they convert. This psychological distress is what made them re-evaluate their life and see an urgency to change. And if they are a believer, they will choose the right type of change, which is to become a submitter. Psychological distress is less likely to happen to a submitter later in their life, but it might happen from case to case if God wants to push someone from a lower level of belief to a higher level of belief. Anyway, the next category is the freeing of necks or the freeing of slaves. And since slavery is outlawed in today’s circumstances, the only form which is left is actually children under 18 who are good people and they are stuck with bad parents. Even in that case, there’s nothing much we can do as a community because if we interfere financially between parents and their children, even if it is for a good cause, one side of it is always wrong. But each of us individually can say kind words and show compassion to them because kind words and compassion are better than a charity which is followed with insult. The next category is those in debt. But we have to be careful about this. Debt today and debt in the past are quite different. In the past, there were no banks and if someone went to get a loan from another submitter, he would only do it if he was in deep financial trouble or if he had a really good investment idea and then if it failed, he couldn’t pay his debt. But today, banks will give you loans for anything, for luxury, for expensive cars, for expensive houses and things like that. So it does matter what kind of debt we are talking about today. Also, in the past, if you did not pay your debt, you would officially become a slave. That is the rule in the Bible and indirectly in the Quran, also. So, if you helped someone pay his debt, which he couldn’t pay, you would be helping him not to be enslaved. But today, if someone does not pay his debt, their last option is not slavery. It’s bankruptcy. So, what people called debt in the past and today are quite often two different things. This is why Rashad Khalifa did not translate it as debt at all in his English translation. But he translated it as those who are burdened by sudden expenses. The only two types of debt which I can imagine right now to be charitable to help someone pay them are one, if someone took a debt for his basic bills or to survive, or two, if he took it for a business investment and the business investment failed or went much worse than he expected. It’s hard for me to imagine another type of debt which would be charitable to pay on behalf of someone else. The next category is in the cause of God and you can learn more about it, God willing, in the next Friday sermon. And the last category is the traveler, which also includes the recent immigrants. I would guess anyone who changed his country within the last year, for example, if they speak the language of the country, or anyone who changed his country within the last two years, if they do not speak the language of the country. Also, this category includes the people who are on the road because they are homeless. And just like we split the receivers into eight categories, let’s also split the givers of zakat into different categories. Here they are. We have submitters who own wealth, who should give regular zakat. Submitters who earn money from jobs and businesses which contain both bad and good deeds, who should give penalty zakat. Then we have submitters who confessed other sins. Then we have submitters who consulted the messenger. And then we have submitters who live together with non-submitters. And by the way, one submitter can be in more than one of these categories. Just like someone can be both poor and the traveler at the same time. And each of these categories of zakat have their different specific rates, which are explained in other videos. Now, as you can see, the messenger is in the middle of this process. However, most people today communicate with a messenger online. So, here we are actually talking about what I call an online messenger. So, let’s modify this into online messenger. So, because our interaction being in different countries is mostly online, we can make some adjustments in this arrangement. Due to this, the online messenger arranges for you to give the regular zakat directly to the poor and the needy, as long as it is reported. This is more practical for an online community, because you might know who is poor and needy better than the messenger who is not there with you. But, you have to report or declare it, so that the community knows that you did it. By the way, zakat consists of more than what I presented in this graph, and you can find all the 19 categories in the video clarification titled penalty zakat. But, here we are only dealing with the public ones, the ones in which the messenger must be involved somehow in its arrangement. And the final category of public zakat or arranged zakat is the submitters who inherited from dead non-submitters. According to the Quran, this category should go directly to God and his messenger, and I explain in another video that this basically means that it should be spent for building and maintaining mosques and supporting the preaching of the message, like printing Qurans and things like that. So, let’s highlight this in yellow, because it is a separate line of penalty zakat and should not be mixed with the other budget lines. So, now we have a complete graph of how to arrange the reporting, collection, and distribution of zakat. And this graph does not guarantee a perfect distribution of zakat, but it doesn’t have to be perfect, because all charity is good charity. Here we are talking about good versus better, not good versus bad. So, all types of distributions are good. As a matter of fact, as I told you, Aaron burned the zakat which the children of Israel gave because there were no poor people there and it was still good. So there is no bad way of distributing the zakat and I just happen to choose one of the good ways from many different good ways. It’s one of the ways which makes more sense for today while still being within the categories which the Quran recommends. And if anyone does not like this method of distribution, God has an answer for them. Verses 9:58 and 9:59 say, “Some of them criticize your distribution of the charities. If they are given there from, they become satisfied, but if they are not given there from, they become objectors. They should be satisfied with what God and His Messenger have given them. They should have said, ‘God suffices us. God will provide for us from His reserves and so will His Messenger. We are seeking only God.'” And then the very next verse mentions the eight categories of receivers listed here. So as long as the zakat eventually ends up somehow in these eight categories of receivers, what happens in between is totally at the discretion of God’s Messenger, as long as all of it finally reaches there. Similarly, for example, God left it up to you whether you might use your debit or credit card to give the zakat, as long as you give it. And also when the number of submitters increases sufficiently, the Messenger can delegate this job to someone else, someone who would be responsible for directing this issue, called the congregation director, who technically is the messenger of the messenger. So this is the general arrangement for today on how to collect and distribute the zakat. And each of these zakat categories has a different rate or amount and some of them even have discounts which are explained in other videos. Also, God willing, you can learn more about one of the distribution projects in the cause of God, which is within this and the zakat distribution cycle in the next Friday sermons.