Saturday 6 August 2011

[karachi-Friends] Employment and Salary Trends in the Gulf 2010-2011


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{Islamic_Finance_Banking} مدينة الخليل

 
 
 
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{Islamic_Finance_Banking} Fw: الهيئة تنظم ملتقى سبل تطوير قطاع الاستشارات المالية والاقتصادية والإدارية


 
 
 
Trainer & Consultant in Islamic Banking and Finance
 
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----- Forwarded Message -----
From: SOCPA Information <info@socpa.org.sa>
To: "alahmedonline@yahoo.com" <alahmedonline@yahoo.com>
Sent: Saturday, August 6, 2011 3:58 PM
Subject: الهيئة تنظم ملتقى سبل تطوير قطاع الاستشارات المالية والاقتصادية والإدارية



[PF:166214] The Letter and Spirit of Zakat ....

The Letter and Spirit of Zakat (Zakah)

 

Zakat is compulsory after the personal wealth crosses a threshold ... we know this.

 

Zakat is to be given away throughout the year ... as soon as the wealth has crossed the threshold of time ... we know this.

 

Zakat is to be given only to the poor and destitute individuals ... we know this! Hardly do we know anything if we use ONLY in this sentence! A reference to Surah Tauba (Surah # 9)'s Ayat number 60 in Quran makes sufficiently clear the eight areas in which zakat money should be spent. Well, we know this. Sure, we do.

 

Zakat purifies our wealth ... we know this, alhamdolillah.

Quran, Surah Tauba (Surah#9), Ayah # 60

 

Zakat means "to purify" and also "growth" ... well, it's not a new information for us. Really?

 

Zakat can be used in a bait-al-maal to render all kinds of service to the masses. This may benefit the poor mostly, but some benefits may actually accrue to the rich as well. To the rich as well? Vow! When Allah commands in the above Quranic verse to spend zakat money on the wayfarer (Travellers who find themselves in difficult circumstances), it is widely believed that He makes no difference between a poor wayfarer and a rich wayfarer (may be rich in his native place, but is currently without nisab). Read the full article @ http://bit.ly/7PDqB


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{Islamic_Finance_Banking} دعوة للمشاركة" الثورات العربية; مالها وما عليها



السلام عليكم ورحمة الله وبركاته

ندعوكم للمشاركة في اللقاء الثامن من صالون الاحد الثقافي، 

 في منتديات موسوعة الاقتصاد والتمويل الاسلامي
 

وذلك
 
اليوم الاحد ، السابع من شهر رمضان المبارك، الموافق 7 اغسطس2011
 
موضوع اللقاء:
 
 
الثورات العربية، مالها وماعليها
 
محاور اللقاء:
 
 

1-
نظرة تاريخية في الثورات العالمية ومقومات نجاحها
2-
اسباب قيام الثورات العربية المعاصرة، والسر في تزامنها والمنهج الذي نحته هذه الثورات.
3
نتائج الثورات العربية المعاصرة وانعكاساتها على دول العالم والقرارات الدولية .
3-
الثورات العربية ونظرية المؤامرة
4-
الثورات العربية بين المؤيدين والمعارضين

اهلا وسهلا بمشاركاتكم

[PF:166213] 21 Common Misconceptions about Zakaah

In the name of Allah, the Most-Merciful, the All-Compassionate
 
"May the Peace and Blessings of Allah be Upon You"
 
Praise be to Allaah, we seek His help and His forgiveness. We seek refuge with Allaah from the evil of our own souls and from our bad deeds. Whomsoever Allaah guides will never be led astray, and whomsoever Allaah leaves astray, no one can guide. I bear witness that there is no god but Allaah, and I bear witness that Muhammad is His slave and Messenger.

 
Bismillah Walhamdulillah Was Salaatu Was Salaam 'ala Rasulillah
As-Salaam Alaikum Wa-Rahmatullahi Wa-Barakatuhu 
 
 
21 Common Misconceptions about Zakaah
by Asma bint Shameem
 
 
 
Misconception # 1
I pray, dont I?
Whats the big deal if I dont give Zakaah?

Zakaah is one of the PILLARS of Islam and NOT an option. It is just as important to ones faith as Salaah. In fact, anyone who denies it is a Kaafir and the Prophet (pbuh) and his Sahaba waged war against such persons even though they uttered the Shahadah and prayed Salaah.
About such people Abu Bakr said: "By God! I shall certainly wage war against the people who discriminate between Salaah and Zakaah." (Bukhaari, Muslim)



Misconception # 2:
But it will decrease my wealth!

Abu Hurayra said that the Prophet (pbuh) said,
"Whoever is given wealth by Allaah and does not pay the Zakaah due thereupon shall find that on the Day of Arising it is made to appear to him as a hairless snake with two black specks, which chains him, and then seizes him by his jaw and says, -I am your wealth! I am your treasure!'

Then he recited the verse, Let not those who are miserly with what God has given them of His bounty think that this is good for them. Rather, it is bad for them. That which they withhold shall be hung around their necks on the Day of Arising. [3:180] (Bukhaari)
 
Misconception #3:
I dont have to pay Zakaah every year.  
 
Zakaah is an obligation that must be paid each year. The Prophet (pbuh) used to send the zakaah-collectors to the tribes and cities, and they did not differentiate between those who had paid their zakaah the previous year and those who had not, rather they used to take the zakaah that was due on all the "zakaatable" wealth that people possessed.
 




Misconception # 4:
I never paid Zakaah before.
I will just repent and that should be enough

The one who never paid Zakaah before should repent to Allaah first. Then he should estimate the amount of Zakaah that was due on him over the years as best he can, and pay it as soon as possible
 


 
Misconception # 5:
I dont have to pay Zakaah if I owe a debt

The one who has any "zakatable" wealth must pay zakaah on it, when one year has passed since he acquired it, even if he has debts, according to the more correct of the two scholarly opinions. The Prophet (pbuh) used to command his agents to take zakaah from those who owed zakaah, and he did not tell them to ask them whether they had any debts or not. (Majmoo Fataawa -Abd al-Azeez ibn Baaz)



Misconception # 6:
I will waive my debt and count that as Zakaah

The Prophet (pbuh) said to Muaadh ibn Jabal, when he sent him to Yemen: "Teach them that Allaah has enjoined upon them zakaah on their wealth, to be taken from their rich and given to their poor."
He (pbuh) explained that zakaah is something which is to be taken and given, so on this basis it is not permissible to let off someone who owes you money and count that as zakaah, because letting someone off a debt does not involve taking and giving.
(Fataawa Manaar al-Islam by Shaykh Ibn Uthaymeen)

Shaykh al-Islam said: "letting someone off a debt does not relieve one of the obligation of zakaah, and there is no scholarly dispute on this matter. But you can give this needy person some of your zakaah and he can meet his needs using what you give him as zakaah; and Allaah will help him to pay off his debt in the future, inshaAllaah."
 




 
Misconception #7:
I have lent someone some money. I dont have to pay Zakaah on it.
 
In this situation, there can be two scenarios;
1. If the borrower is rich and is known to repay debts promptly: The lender has to pay Zakaah annually on the money lent, because it is possible to recover the money readily and it is like money that is in ones possession.

2. If it is unlikely that the lender will get his money back or the borrower is known to delay repayment: Then the lender does not have to pay zakaah before he gets the money back, because it is not readily accessible and is not like money that is in ones possession.
 



 
Misconception # 8:
I pay my taxes so I dont have to pay Zakaah!

The taxes we pay are to Uncle Sam/govt , not to Allaah to Whom the Zakaah is due. And this Zakaah money is to be only spent according to the rules of Shareeah in certain specific ways. Thus, it is not permissible for the taxes we pay on our wealth to be counted as part of Zakaah. The obligatory Zakaah must be paid separately.



Misconception # 9:
I will use the money that I receive from my bank as interest to pay off Zakaah

First of all, putting money in the bank in return for interest is a kind of riba which Allaah and His Messenger have forbidden, and it is a major sin. The Prophet(pbuh) cursed the one who consumes riba and the one who pays it. (Muslim)
This money cannot be used to pay Zakaah or other kinds of charity since it is impure and a haraam form of wealth.
 

 



 
Misconception # 10:
I will pay Zakaah on whatever is OVER the Nisaab

If ones wealth surpasses the amount of nisaab, then Zakaah is due upon it ALL, and not upon the surplus only.
 



 
Misconception #11:
Zakaah is due on precious gems, stones and diamonds

No zakaah is due on gems, precious stones, diamonds, etc. unless they are prepared for trade, in which case they come under the same ruling as all other trade goods




Misconception # 12:
I will buy diamonds so that I dont have to pay Zakaah

Some people try to get out of Zakaah by investing in diamonds, since no Zakaah is due on them, and think they can outsmart Allah.
Doesnt Allaah know whats in our hearts and minds?
They forget that Zakaah is due on them if they are prepared for trade. "They seek to deceive Allah and those who believe, but they deceive none except themselves, though they do not sense it." (Surah al-Baqarah: 9)
 

 



Misconception # 13:
The husband HAS to pay Zakaah on the wifes jewelry and wealth

It is NOT the husbands duty to pay Zakaah on his wifes jewelry, wealth, etc. Rather, it is her responsibility, since she is the possessor of the wealth. If her husband or someone else pays zakaah on her behalf with her permission, that is o.k., and he will be rewarded for this voluntary action.



Misconception # 14:
I only have gold, but I do not have any money. So, I dont have to pay Zakaah….

Shaykh Ibn Uthaymeen said:" Zakaah must be paid on jewelry if it reaches the nisaab (minimum threshold), which is 85 grams. If it reaches this amount, zakaah must be paid on it. If she has other wealth and pays from that, there is nothing wrong with it. If her husband or one of her relatives pays it on her behalf, there is nothing wrong with that. If neither of these options is available to her, then she should sell some of it and pay zakaah with that money."



Misconception # 15:
I will use my Zakaah money on my immediate family

Shaykh Ibn Baaz said: "The Muslim cannot give his zakaah to his parents or to his wife and children; rather he is obliged to spend on them from his wealth if they need that and he is able to spend on them."
 

 



Misconception # 16:
I cannot give Zakaah to my poor relatives

It is actually preferable for a person to give their zakaah to a brother, sister, paternal uncle, paternal aunt or to any other relative, if they are poor. This is because, giving zakaah to them is both an act of charity and upholding family ties.

The Prophet (pbuh) said: "Charity given to the poor is charity and charity given to a relative is charity and upholding of family ties." (Ahmad, al-Nasaa'i)
 



 
Misconception # 17: 
A woman cannot give Zakaah to her Husband

It is okay for a woman to give zakaah to her husband, if he is qualified to receive zakaah, because she is not obliged to spend on him. Also, the Prophet (pbuh) gave permission to the wife of Abd-Allaah ibn Masood to give her zakaah to her husband




Misconception # 18:
Zakaah can be given to Non-Muslims if they are poor

It is not permissible to give Zakaah to any kaafir except the one who is inclined towards Islam, in the hope that he will become Muslim if you give him zakaah (al-Tawbah:60).
 





Misconception # 19:
I will use Zakaah to build hospitals, masjid and orphanages

That is not permissible, because this is not included in the eight categories on which zakaah may be spent.
 
Allaah tells us that Zakaah may be spent on the following:
"As-Sadaqaat (Zakaah) are only
for the Fuqaraa (poor),
and Al-Masaakeen (the poor)
and those employed to collect (the funds);
and to attract the hearts of those who have been inclined (towards Islam);
and to free the captives;
and for those in debt;
and for Allaah's Cause (Mujaahidoon — those fighting in a holy battle),
and for the wayfarer (a traveler who is cut off from everything)" [al-Tawbah:60]
 
But if the intention in giving the money to an orphanage is so that this money will be spent on the poor orphans, then this is permissible, if the orphans are poor.
Similarly, Zakaah cannot be used to print Quraans and other Dawah material.




Misconception # 20:
Zakaah is the same as Zakaat ul-Fitr

Zakaat al-Fitr is NOT the same as Zakaah. These are two separate entities and whoever paid Zakaah is NOT relieved of paying Zakaat al-Fitr and vice-versa.
 



Misconception # 21:
I have to inform the one I am giving, that it is Zakaah

You do not have to tell the recipient that it is zakaah.
 

 
 
Must Watch : 
Common Mistakes Commiteed By Muslims During Ramadan
 
Is giving Charity (zakat) to Sayyid (Syed) forbidden (HARAM) in Islam?
http://www.youtube.com/watch?v=FukPRQH-QCw
 
Islam the solution for poverty
 
What amount should be given in Sadaqah (voluntary charity)?
http://www.youtube.com/watch?v=pyypATmoVns&feature=related
 


Also read :
Some Common Mistakes in Ramadaan
 
 
As-salaam Walekum
Adil Khan
 
 
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{Islamic_Finance_Banking} Fw: بيان الرابطة بالتهنئة برمضان والتنديد بجرائم النظام السوري



 
 
Trainer & Consultant in Islamic Banking and Finance
 
Manager of Finance and Islamic Banking Group
http://groups.google.com/group/islamic_finance_Banking
Amman / Jordan
Mobile :             00962796950981      
 





















--- On Sat, 8/6/11, رابطة العلماء السوريين <islamsyria2@gmail.com> wrote:

From: رابطة العلماء السوريين <islamsyria2@gmail.com>
Subject: بيان الرابطة بالتهنئة برمضان والتنديد بجرائم النظام السوري
To:
Date: Saturday, August 6, 2011, 12:45 PM

 
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[karachi-Friends] 31 Americans Military Personnel Killed in a Crash in Afghanistan




If they do not leave on foot , they will have to leave on shoulders !
Choice is theirs !

                                                 M  J   Iqbal
KABUL, Afghanistan (AP) — A helicopter crash in Afghanistan's eastern Wardak province killed 31 U.S. special operation troops and seven Afghan soldiers, the country's president said Saturday. It was the highest number of American casualties recorded in a single incident in the decade-long war.
President Hamid Karzai sent his condolences to President Barack Obama, according to a statement issued by his office.
"A NATO helicopter crashed last night in Wardak province," Karzai said in the statement, adding that 31 American special operations troops were killed. "President Karzai expressed his deep condolences because of this incident and expressed his sympathy to Barack Obama."
The Taliban claimed to have brought the helicopter down with a rocket attack, but they have been known to make exaggerated claims in the past.
NATO confirmed the overnight crash and said there "was enemy activity in the area." But it said it was still investigating the cause. The alliance was conducting a recovery operation at the site, it said, without releasing details or a casualty figure.
"We are aware of an incident involving a helicopter in eastern Afghanistan," said U.S. Air Force Capt. Justin Brockhoff, a NATO spokesman. "We are in the process of accessing the facts." The helicopter was a twin-rotor Chinook, which are used for transport, said an official at NATO headquarters in Brussels, speaking on condition of anonymity because he was not authorized to talk to the press.
The helicopter crashed in the Sayd Abad district of Wardak province, said a provincial government spokesman, Shahidullah Shahid. The volatile region borders the province of Kabul where the Afghan capital is located and is known for its strong Taliban presence.
Taliban spokesman Zabiullah Mujahid said in a statement that NATO had attacked a house in Sayd Abad where insurgents were gathering Friday night, killing eight fighters. The Taliban then downed the helicopter. he said.
In June 2005, 16 American troops were killed when a U.S. helicopter crashed in eastern Kunar province after apparently being hit by a rocket-propelled grenade.
Aircraft crashes are relatively frequent in Afghanistan, where insecurity and difficult terrain make air travel essential for coalition forces transporting troops and equipment.
There have been at least 17 coalition and Afghan aircraft crashes in Afghanistan this year. Most of the crashes are attributed to pilot errors, weather conditions or mechanical failures. However, the coalition has confirmed that at least one CH-47F Chinook helicopter was hit by a rocket propelled grenade on July 25, injuring two crew members.
Meanwhile, NATO troops attacked a house and inadvertently killed eight members of a family, including women and children, in the southern Helmand province, an Afghan government official said Saturday.
NATO said Taliban fighters fired rocket propelled grenades and small arms at coalition troops during a patrol Friday in the Nad Ali district. The troops fired back, and as the fight escalated an aistrike was called in against the Taliban position, said Brockhoff, the NATO spokesman. He said NATO sent a delegation to meet with local leaders and investigate the incident.
Nad Ali district police chief Shadi Khan said civilians died in the bombardment but that it was unknown how many insurgents were killed.
Helmand, a Taliban stronghold, is the deadliest province in Afghanistan for international troops.
NATO has come under harsh criticism in the past for accidentally killing civilians during operations against suspected insurgents. However, civilian death tallies by the United Nations show the insurgency is responsible for most war casualties involving non-combatants.
Also in the south, NATO said two coalition service member were killed, one on Friday and another on Saturday. The international alliance did not release further details.
The deaths bring to 334 the number of coalition troops killed this year in Afghanistan, and 11 this month.
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Javed Iqbal Kaleem says... Comment Guidelines
your avatar
Enough is enough. Bring our troops home! Let's focus on America, we've put ourselves behind everyone else's needs. We need to fortify and strengthen our communities, homes and our country instead of fixing people who could care less about us. Once and for all "Bring our countrymen home!" 1 Reply

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