Using textbook & curriculum he has developed especially for Using textbook & curriculum he has developed especially for Muslim converts and young Adult English-speaking Muslims. Muslim converts and young Adult English-speaking Muslims.
““To seek knowledge is obligatory upon every Muslim (male & female)”To seek knowledge is obligatory upon every Muslim (male & female)”
BATCH # 16 -AUGUST 2016 INTAKEBATCH # 16 -AUGUST 2016 INTAKE
UPDATED 2 DECEMBER 2016UPDATED 2 DECEMBER 2016
““A BEGINNERS’ COURSE A BEGINNERS’ COURSE ON ISLAM” ON ISLAM”
Lessons on Fardhu ‘Ain in English for Adults Lessons on Fardhu ‘Ain in English for Adults conducted by Ustaz Zhulkeflee Hj Ismail conducted by Ustaz Zhulkeflee Hj Ismail
““ARKAAN AL-ISLAM”ARKAAN AL-ISLAM”Pillars of Islam (Submission)Pillars of Islam (Submission)
Every Friday night @ Every Friday night @ 8pm – 10pm8pm – 10pmWisma Indah, 450 Wisma Indah, 450 Changi Road, Changi Road, #02-00 next to Masjid #02-00 next to Masjid KassimKassim
IT CAN ALSO BE A IT CAN ALSO BE A REFRESHER COURSE FOR REFRESHER COURSE FOR
MUSLIM PARENTS, MUSLIM PARENTS, EDUCATORS, IN EDUCATORS, IN
CONTEMPORARY CONTEMPORARY SINGAPORE. SINGAPORE. OPEN TO ALLOPEN TO ALL
For further information and registration For further information and registration contact Econtact E-mail : -mail : [email protected]
or +65 81234669 / +65 96838279or +65 81234669 / +65 96838279
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
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AZ-ZAKAHAZ-ZAKAH(TAX UPON WEALTH)(TAX UPON WEALTH)
HADITH OF JIBRA-’IL
HADITH OF JIBRA-’IL
LESSON # 12
LESSON # 12
(The basic message of Islam)(The basic message of Islam)
FARDHU’AINFARDHU’AIN: CONDUCTED BY: CONDUCTED BYUSTAZ ZHULKEFLEE HJ ISMAILUSTAZ ZHULKEFLEE HJ ISMAILLESSONS FROM TEXTBOOK LESSONS FROM TEXTBOOK ““Beginners’ Manual on IslamBeginners’ Manual on Islam””
2
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST MOST COMPASSIONATE,COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS
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““Allah” Allah” : : Arabic proper noun; name for God, it refers Arabic proper noun; name for God, it refers
to the One and Only, the Unique Creator, Lord to the One and Only, the Unique Creator, Lord
Sustainer of the Universe, Who Alone is God – there is Sustainer of the Universe, Who Alone is God – there is
none besides Allah.none besides Allah.
No equivalent translation in non-Semitic language.No equivalent translation in non-Semitic language.
FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS
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““Muhammad s.a.a.w.” Muhammad s.a.a.w.” : : Arabic name meaning “Arabic name meaning “the the
Praised OnePraised One”; he is the Chosen, Unlettered Prophet, ”; he is the Chosen, Unlettered Prophet,
the servant and Messenger of Allah, the Awaited the servant and Messenger of Allah, the Awaited
Seal of Prophethood after whom there will be no Seal of Prophethood after whom there will be no
more prophet sent.more prophet sent.
FROM PREVIOUS LESSONSFROM PREVIOUS LESSONS
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IIMANIIMAN
BeliefBeliefFaithFaith
ConvictionConviction
‘‘AMALAMAL [Islam][Islam]
SubmissionSubmissionObedienceObedience
PracticePractice
IHSANIHSAN
Best or Best or Righteous Righteous ConductConduct
COGNITIVE PSYCHOMOTOR AFFECTIVE
Compare with the three domains of Learning – contemporary theories in education - regarding the Taxonomies of :
[ re: Benjamin Bloom, David Krathwohl, Anita Harrow ]
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• Faith without obedience is meaningless; and obedience without Faith without obedience is meaningless; and obedience without Faith is mere rituals and may even lead to hypocrisy. Faith is mere rituals and may even lead to hypocrisy.
• Together, Faith and Obedience must lead to Righteousness with Together, Faith and Obedience must lead to Righteousness with IHSAN which essentially focus in our intention to sincerely serve IHSAN which essentially focus in our intention to sincerely serve Allah s.w.t. Allah s.w.t.
• Thus, in these three aspects can one be said to be true in his Thus, in these three aspects can one be said to be true in his submission to the Will of Allah (as Muslim).submission to the Will of Allah (as Muslim).
ALL THREE ASPECTS ARE TO BE DEVELOPED IN TANDEM ACCORDINGLYWITHOUT FOCUSING AT SPECIALIZATION UNTIL AT LATER STAGE
WHEN ESSENTIAL BASIC KNOWLEDGE ARE WELL ESTABLISHED
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THE SECOND ASPECT REQUIRED IN THE ATTESTATION TO THE SECOND ASPECT REQUIRED IN THE ATTESTATION TO THE ABSOLUTE ONENESS OF ALLAH (TAUTHE ABSOLUTE ONENESS OF ALLAH (TAUHHEED)EED)
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST MOST COMPASSIONATE,COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““Do they seek for other than the Religion of Allah?―While all Do they seek for other than the Religion of Allah?―While all
creatures in the heavens and on earth have willing, or unwilling, creatures in the heavens and on earth have willing, or unwilling,
bowed to His Will (accepted Islam), and to Him shall they all be bowed to His Will (accepted Islam), and to Him shall they all be
brought back.” brought back.”
((Qur’an: Aali ‘Imran: 3: 83Qur’an: Aali ‘Imran: 3: 83))
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
“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)
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The word “The word “IslamIslam” - literally means “” - literally means “surrendersurrender; ;
submissionsubmission”. When added with the prefix “”. When added with the prefix “alal” ( definite ” ( definite
article“tarticle“thehe” - to denote a name) it refers to the essential traits of ” - to denote a name) it refers to the essential traits of
this religion signifying an external manifestation of one’s inner this religion signifying an external manifestation of one’s inner
conviction, belief (conviction, belief (iimaniiman) towards “) towards “obedience to the will of obedience to the will of
AllahAllah”.”.
The true meaning of “The true meaning of “believebelieve” or “” or “iimaniiman”” is : is :
“ “to be convinced in one’s heart/mind (to be convinced in one’s heart/mind (QolbQolb); );
and declare with one’s tongue, and declare with one’s tongue,
and practice deeds in accordance with its pillarsand practice deeds in accordance with its pillars””
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So “So “how does one begin to submit to Allah’s willhow does one begin to submit to Allah’s will”?”?
This was succinctly enumerated by Prophet Muhammad s.a.w. This was succinctly enumerated by Prophet Muhammad s.a.w.
in what is referred to as :in what is referred to as :
the Pillars of Islamthe Pillars of Islam ((Arkaan-ul-IslaamArkaan-ul-Islaam).).
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Islam is built upon Five (pillars):Islam is built upon Five (pillars):
[1] To bear witness that there is no god except [1] To bear witness that there is no god except
Allah, and that Muhammad is the Allah, and that Muhammad is the
Messenger of Allah;Messenger of Allah;
[2] And to establish the (Daily obligatory) [2] And to establish the (Daily obligatory)
Swolah;Swolah;
[3] And pay out the Zakah (tax on wealth);[3] And pay out the Zakah (tax on wealth);
[4] And to make pilgrimage (Hajj) to the [4] And to make pilgrimage (Hajj) to the
House) for those who has the means to House) for those who has the means to
(do) it; (do) it;
[5] And to Fast (daily) in Ramadhan.[5] And to Fast (daily) in Ramadhan.
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Islam is built upon Five (pillars):Islam is built upon Five (pillars):
[1] To bear witness that there is no god except [1] To bear witness that there is no god except
Allah, and that Muhammad is the Allah, and that Muhammad is the
Messenger of Allah;Messenger of Allah;
[2] And to establish the (Daily obligatory) [2] And to establish the (Daily obligatory)
Swolah;Swolah;
[3] And pay out the Zakah (tax on wealth);[3] And pay out the Zakah (tax on wealth);
[4] And to make pilgrimage (Hajj) to the [4] And to make pilgrimage (Hajj) to the
House) for those who has the means to House) for those who has the means to
(do) it; (do) it;
[5] And to Fast (daily) in Ramadhan.[5] And to Fast (daily) in Ramadhan.
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THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (TAUTAUHHEEDEED))
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
All Rights Reserved© Zhulkeflee Hj Ismail (2016)
THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE third PILLAR OF ISLAM IN PRACTICALIZING OBEDIENCE TO THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (THE MESSAGE OF THE ABSOLUTE ONENESS OF ALLAH (TAUTAUHHEEDEED))
IN THE NAME OF ALLAH,IN THE NAME OF ALLAH, MOST COMPASSIONATE,MOST COMPASSIONATE,MOST MERCIFULMOST MERCIFUL
HADITH OF JIBRA-’IL
HADITH OF JIBRA-’IL
LESSON # 12
LESSON # 12
““A BEGINNERS’ COURSE ON A BEGINNERS’ COURSE ON ISLAM”ISLAM”
Lessons on Fardhu ‘Ain in English for AdultsLessons on Fardhu ‘Ain in English for Adultsconducted by Ustaz Zhulkeflee Hj Ismailconducted by Ustaz Zhulkeflee Hj Ismail
TOPIC ON 2 DECEMBER 2016TOPIC ON 2 DECEMBER 2016
Every Friday night @ Every Friday night @ 8pm – 10pm8pm – 10pmWisma Indah, 450 Wisma Indah, 450 Changi Road, Changi Road, #02-00 next to Masjid #02-00 next to Masjid KassimKassim
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In respecting the dominance of the followers, adherents of the In respecting the dominance of the followers, adherents of the
school of school of FiqhFiqh of of al-Mujtahid-mutlaq al-Imam Muhammad ibn Idrisal-Mujtahid-mutlaq al-Imam Muhammad ibn Idris
ash-Shafi-’ie rhm.aash-Shafi-’ie rhm.a.. here in this region, the practices in this here in this region, the practices in this
manual / lesson on manual / lesson on FIQHFIQH matters, shall subscribe and be in matters, shall subscribe and be in
conformity with this school of Islamic jurisprudence (conformity with this school of Islamic jurisprudence (madzhabmadzhab). ).
Yet, we hold to a healthy respect and tolerance (Yet, we hold to a healthy respect and tolerance (tasamuhtasamuh) towards ) towards
other other madzaahibmadzaahib and and ikhtilaafikhtilaaf (differences of opinion) amongst (differences of opinion) amongst
Islamic scholars. Islamic scholars.
The dominant schools of Islamic jurisprudence generally accepted The dominant schools of Islamic jurisprudence generally accepted
are the, are the, Ja’afari, Maliki, Hanafi, Shafi’e Ja’afari, Maliki, Hanafi, Shafi’e and and Hanbali.Hanbali.
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
All Rights Reserved© Zhulkeflee Hj Ismail (2016)
“And [tell them that] I have not created the invisible
beings and men to any end other than that they may
[know and] worship Me. [But withal,] no sustenance
do I ever demand of them, nor do I demand that they
feed Me: for, verily, Allah Himself is the Provider of
all sustenance, the Lord of all might, the Eternal!”
(Qur’an: Dzaariyat: 51: 56-58)
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““Who believe in [the existence of] that which is Who believe in [the existence of] that which is
beyond the reach of human perception, and are beyond the reach of human perception, and are
constant in prayer (constant in prayer (AS-AS-SWSWOLAHOLAH), and), and (YUN-FI-QUUN) (YUN-FI-QUUN)
spend on others spend on others out of what We provide for them as out of what We provide for them as
sustenance (sustenance (MAA RAZAQ-NAA-HUMMAA RAZAQ-NAA-HUM);”);”
((Qur’an: Baqarah: 2: 3Qur’an: Baqarah: 2: 3))All Rights Reserved© Zhulkeflee Hj Ismail (2016)
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““And let not And let not those (YAB-those (YAB-KHKHOLU *) who covetously withheld of the OLU *) who covetously withheld of the
gifts which Allah hath given them of His Grace gifts which Allah hath given them of His Grace think that it is good think that it is good
for them: nay it will be the worse for them: soon for them: nay it will be the worse for them: soon it will be tied to it will be tied to
their necks like a twisted collar on the Day of Judgmenttheir necks like a twisted collar on the Day of Judgment. To Allah . To Allah
belongs the heritage of the heavens and the earth; and Allah is belongs the heritage of the heavens and the earth; and Allah is
well acquainted with all that ye do.”well acquainted with all that ye do.”
((Qur’an: Aali ‘Imran: 3: 180Qur’an: Aali ‘Imran: 3: 180))
* From : BUKHUL – BAKHIL – “miserly”All Rights Reserved© Zhulkeflee Hj Ismail (2016)
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““Thus, as for him who Thus, as for him who (A’-(A’-TWTWA) gives [to others] A) gives [to others] and is and is (TAQAA) (TAQAA)
conscious of Allah, conscious of Allah, andand ( (SWSWOD-DAQA BIL-OD-DAQA BIL-HHUSNA) believes in the USNA) believes in the
truth of the ultimate good truth of the ultimate good for him shall We for him shall We make easy the path make easy the path
towards [ultimate] easetowards [ultimate] ease. But as for him who is niggardly, and . But as for him who is niggardly, and
thinks that he is self-sufficient, and thinks that he is self-sufficient, and (KADZ-DZABA - BIL-(KADZ-DZABA - BIL-HHUSNA) USNA)
calls the ultimate good a liecalls the ultimate good a lie – for him shall We make easy the – for him shall We make easy the
path towards hardship: Nor will his wealth profit him when he path towards hardship: Nor will his wealth profit him when he
falls headlong (into the Pit).”falls headlong (into the Pit).”
((Qur’an: Layl : 93: 5-11Qur’an: Layl : 93: 5-11))
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AFFIRMING IT AS TRUTH
DENYING OR REJECTING IT
“Doing good for
Allah’s sake
will be rewarded
with eternal
Goodness by Him”
THE BELIEF
BIL-BIL-HHUSNAAUSNAA
BIL-BIL-HHUSNAAUSNAA
SWOD-DAQA
KADZ-DZABA
HUSNA TWO TYPES OF PEOPLE
OR
Thus the usual English translation for SWODAQAH as “charity” is not accurate as it also include all forms of goodness whether it be obligatory or non-obligatory; and extensively covers all forms of kindness not merely of material help but that even sharing a ‘smile to others’ can be SWODAQAH.
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““Seek insteadSeek instead, by means of what Allah has granted thee, by means of what Allah has granted thee, [the , [the
good of] good of] the life to comethe life to come, without forgetti ng, withal, thine own , without forgetti ng, withal, thine own
[rightful] share in this world; and do good [unto others] as Allah [rightful] share in this world; and do good [unto others] as Allah
has done good unto thee.”has done good unto thee.”
((Qur’an: Qasas: 28: 77Qur’an: Qasas: 28: 77))All Rights Reserved© Zhulkeflee Hj Ismail (2016)
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““[In all these respects,] let him [In all these respects,] let him who has ample means spend who has ample means spend
( YUN-FIQ*) in accordance with his amplitude( YUN-FIQ*) in accordance with his amplitude; and let him ; and let him
whose means of subsistence are scantywhose means of subsistence are scanty spend (FAL- spend (FAL-
YUNFIQ*) in accordance with what Allah has given himYUNFIQ*) in accordance with what Allah has given him: :
Allah does not burden any human being with more than He Allah does not burden any human being with more than He
has given him - [and it may well be that] Allah will grant, has given him - [and it may well be that] Allah will grant,
after hardship, ease.”after hardship, ease.”
((Qur’an: Talaq : 65: 7Qur’an: Talaq : 65: 7))
* From ‘From ‘NAFAQOHNAFAQOH’ – “provision; maintenance”’ – “provision; maintenance”All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““.. And (the servants of the Most Gracious is the) who, .. And (the servants of the Most Gracious is the) who,
whenever they (whenever they (AN-FAQUAN-FAQU) spend on others, ) spend on others, are are
neither wasteful nor niggardly neither wasteful nor niggardly but [remember that] but [remember that]
there is always a there is always a just mean just mean between those [two between those [two
extremes];”extremes];”
((Qur’an: Furqan: 25: 67Qur’an: Furqan: 25: 67))All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““Men are in charge (as protector and maintainer) of women Men are in charge (as protector and maintainer) of women
by [right of] what Allah has by [right of] what Allah has given one (ability and strength to given one (ability and strength to
excel) excel) over the other and what they (over the other and what they (ANFAQUUANFAQUU) spend [) spend [for for
maintenance of themmaintenance of them] from their wealth.] from their wealth.””
((Qur’an: An-Nisa’: 4: 34Qur’an: An-Nisa’: 4: 34))All Rights Reserved© Zhulkeflee Hj Ismail (2016)
NAFAQAH
““Expenditure; provisions; what one expends of Expenditure; provisions; what one expends of
money, wealth and the like, upon himself and money, wealth and the like, upon himself and
upon his family or household, and dependents “upon his family or household, and dependents “
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FUQARA’ FUQARA’ MASAAKINMASAAKIN ‘‘AAMILEENAAMILEEN MU-ALLAF MU-ALLAF
RI-QAABRI-QAAB
GHAA-RIMEENGHAA-RIMEEN FEE-SABI-LILLAAHFEE-SABI-LILLAAH
IBNUS-SABEELIBNUS-SABEEL
PARENTS – SPOUSE - FAMILY – DEPENDENCEPARENTS – SPOUSE - FAMILY – DEPENDENCE
ORPHANSORPHANS
ALL OTHER FELLOW HUMAN IN NEEDALL OTHER FELLOW HUMAN IN NEED
OTHER LIVING BEINGSOTHER LIVING BEINGS
INFAAQ
ZAKAH
SADOQA
MOSQUE - MADRASAHMOSQUE - MADRASAH
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NEIGHBOURS NEIGHBOURS
ENVIRONMENTENVIRONMENT
ALLOCATION OF EXPENDITURE SPENT IN ALLAH’S WAY
“ “If there were two valleys of gold for the son of Adam, he would long
for another one, and will not cease until his mouth is filled with dust.
And Allah returns (accepts i.e. forgive) to him who repents.”
((Hadith reported by MuslimHadith reported by Muslim))
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“ “There are two characteristics which are not combined in a believer; There are two characteristics which are not combined in a believer;
miserliness (miserliness (BUKHL’) BUKHL’) and bad morals (and bad morals (SUU-UL-KHULUQSUU-UL-KHULUQ).”).”
((Hadith reported by TirmidziHadith reported by Tirmidzi))
Local Muslims here refer to it as – BA-KHIL
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ALLAA-HUM-MA - IN-NI – A – ‘UU-DZU-BIKA -MI-NAL – JUB-NI – WAL –
BUK-KHUL, WA- A-’UU-DZU-BIKA – MIN- AR-DZA-LIL-’UMUUR, WA – A-’UU-
DZU-BIKA - MIN – FIT-NATID – DUN-YAA – WA – ‘AZAA-BIL - QOBRI
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‘Indeed, the Messenger of Allah ملسو هيلع هللا ىلصملسو هيلع هللا ىلص used to seek
refuge by saying them at the end of (every) Swolah: ‘O
Allah I seek refuge in You from cowardliness, I seek
refuge in You from miserliness, I seek refuge in You
from feeble old age, and I seek refuge in You from the
trial of the world, and the punishment of the grave.”
(Hadith reported by At-Tirmidzi)
ALLAA-HUM-MA - IN-NI – A – ‘UU-DZU-BIKA -MI-NAL – JUB-NI – WAL –
BUK-KHUL, WA- A-’UU-DZU-BIKA – MIN- AR-DZA-LIL-’UMUUR, WA – A-’UU-
DZU-BIKA - MIN – FIT-NATID – DUN-YAA – WA – ‘AZAA-BIL - QOBRI
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
‘Zakah’ or ‘Zakat’ here is meant:
“ the compulsory tax upon a Muslim’s wealth, to be
given out to certain categories of people, as
commanded by Allah.”
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Yet, it is interesting to note that the Arabic word
‘Zakah’ has the meaning of “to purify” as well as “to
make it grow”. Thus, Allah SWT says:
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Yet, it is interesting to note that the Arabic word
‘Zakah’ has the meaning of “to purify” as well as “to
make it grow”. Thus, Allah says:
” ” [Hence, O Prophet,] accept that [part] of their possessions [Hence, O Prophet,] accept that [part] of their possessions
which is offered for the sake of Allah (which is offered for the sake of Allah (SwSwODOQAHODOQAH), so that thou ), so that thou
mayest cleanse them thereby and cause them to grow in purity,”mayest cleanse them thereby and cause them to grow in purity,”
((Qur’an: Taubah: 9: 103Qur’an: Taubah: 9: 103)”)”
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We come into this world without any possession. Then we begin to
acquire for our needs, provision and possessions - and begin
accumulating and amassing wealth.
Our interaction with this world and material possessions will have
effect upon our self (Nafs), our hearts (Qolb), our soul (Ruh).
Regarding our Self, or heart, Allah says:
FIRST REASONFIRST REASON
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FIRST REASONFIRST REASON
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““And a soul (And a soul (NafsNafs) and Him Who perfected it. ) and Him Who perfected it.
And inspired it (with conscience of) what is wrong for it and And inspired it (with conscience of) what is wrong for it and
(what is) right for it. (what is) right for it.
He is indeed He is indeed successful who purify and causes it to growsuccessful who purify and causes it to grow, ,
And he is indeed a failure who stunted it.”And he is indeed a failure who stunted it.”((Qur’an: ash-Shams: 91: 7-10Qur’an: ash-Shams: 91: 7-10) )
FIRST REASONFIRST REASON
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FIRST REASONFIRST REASON
All Rights Reserved© Zhulkeflee Hj Ismail (2016)
FIRST REASONFIRST REASON
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Islam never totally reject the world nor does it denies the
importance to Muslims in acquiring much wealth.
Yet it knows what these can do to our spiritual self. Thus, it is
indeed crucial to avert corruption and spiritual diseases from
affecting our hearts and soul (nafs) which wealth and material
possessions may bring e.g. Greed, possessiveness, miserliness,
avarice, corruption, oppression etc.
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There is a saying:
““Love for the world (affection and attachment to Love for the world (affection and attachment to
material possession) is the head (root) of every material possession) is the head (root) of every
sins (wrong-doings, mistakes, errors etc.)”sins (wrong-doings, mistakes, errors etc.)”
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““Verily We have created Man into toil and struggle. Thinks Verily We have created Man into toil and struggle. Thinks
he, that none hath power over him? He may say he, that none hath power over him? He may say
(boastfully): "(boastfully): "Wealth have I squandered in Wealth have I squandered in
abundanceabundance!” !” Thinks he that none beholds him? Thinks he that none beholds him? Have We Have We
not made for him a pair of eyes?― And a tongue, and a pair not made for him a pair of eyes?― And a tongue, and a pair
of lips?― And shown him the two highways? “of lips?― And shown him the two highways? “
((Qur’an: al-Balad: 90: 7-10Qur’an: al-Balad: 90: 7-10) )
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““But he would not attempt the uphill road. And what But he would not attempt the uphill road. And what
will make you comprehend what the uphill road is? (It will make you comprehend what the uphill road is? (It
is) the is) the setting free of a slavesetting free of a slave, Or the, Or the giving of food in a giving of food in a
day of hungerday of hunger. To an . To an orphanorphan, , having relationshiphaving relationship, Or to , Or to
the poor man lying in the dustthe poor man lying in the dust. Then he . Then he is of those who is of those who
believebelieve and and charge one another to show patiencecharge one another to show patience, and , and
charge one another to show compassioncharge one another to show compassion. These are the . These are the
people of the right hand.“people of the right hand.“
((Qur’an: al-Balad: 90: 11-18Qur’an: al-Balad: 90: 11-18) )
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Thus, Muslims not only needs to be reminded that:Thus, Muslims not only needs to be reminded that:
[a] [a] possession and wealth are bestowals of Allah SWT, only as possession and wealth are bestowals of Allah SWT, only as
temporary trust (temporary trust (amanahamanah) for our use;) for our use;
[b] [b] it is it is how you gethow you get this wealth and this wealth and how you spenthow you spent it that you shall be it that you shall be
questioned by Allah SWT – questioned by Allah SWT – not how muchnot how much you accumulate! you accumulate!
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Thus, Muslims not only needs to be reminded that:Thus, Muslims not only needs to be reminded that:
[c] [c] remember how innocent we were, until we began to develop remember how innocent we were, until we began to develop
selfishness, greed, miserly, covetousness etc. selfishness, greed, miserly, covetousness etc.
Thus, Thus, ZakahZakah is to effectively and as practical reminder to be is to effectively and as practical reminder to be
inculcated, so as not to allow such corruptions to occur in our inculcated, so as not to allow such corruptions to occur in our
Self/Soul.Self/Soul.
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All bestowals and wealth is from Allah SWT. And He would
generally bestow upon many amongst mankind more than what
he needs, so that through them these wealth would be shared
with the others who deserves it.
SECOND REASONSECOND REASON
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There is no shortage of Allah’s bestowal upon mankind regarding
wealth and provision – mankind's’ economic problem is only
regarding its distribution.
This is because living in this world is but a test – especially in this
case, test upon rich towards the poor, the have towards those
who have not.
SECOND REASONSECOND REASON
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Thus, Muslim regards part of what Allah SWT gives him to include
what belongs to others, which becomes his amanah (trust) to
distribute them to its rightful recipients.
SECOND REASONSECOND REASON
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And because the Muslim regards his wealth to include what
belongs to others, as long as these are not given out to their
rightful recipients, his wealth is not regarded totally as his.
Therefore by giving out the zakat, it is like purifying the wealth
which is in his possession from what is not his (which are
forbidden for him to consume).
SECOND REASONSECOND REASON
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
What is the real worth of our wealth? Upon our death, these What is the real worth of our wealth? Upon our death, these
wealth loses all value for us, except those that has been spent wealth loses all value for us, except those that has been spent
in accordance towards what Allah SWT commanded us to – and in accordance towards what Allah SWT commanded us to – and
He promises to increase them, not only its amount, but its real He promises to increase them, not only its amount, but its real
value for us will be eternally enjoyed beyond our death.value for us will be eternally enjoyed beyond our death.
FIRST REASONINGFIRST REASONING
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The promise reward is a minimum return of 1 : 700% (certainly The promise reward is a minimum return of 1 : 700% (certainly
a most generous investment returns for our hereafter).a most generous investment returns for our hereafter).
FIRST REASONINGFIRST REASONING
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FIRST REASONINGFIRST REASONING
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“ “ THE PARABLE THE PARABLE of those who spend their possessions for of those who spend their possessions for
the sake of Allah is that of a grain out of which grow the sake of Allah is that of a grain out of which grow
seven ears, in every ear a hundred grains: for Allah seven ears, in every ear a hundred grains: for Allah
grants manifold increase unto whom He wills; and Allah grants manifold increase unto whom He wills; and Allah
is infinite, all-knowing.”is infinite, all-knowing.”
((Qur’an: Baqarah: 2: 261Qur’an: Baqarah: 2: 261))
FIRST REASONINGFIRST REASONING
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More importantly, this ‘increase’ promised by Allah SWT is More importantly, this ‘increase’ promised by Allah SWT is
both both REALREAL because it will be in the after-life where its full because it will be in the after-life where its full
benefits are not limited (as in this world), and it will be benefits are not limited (as in this world), and it will be
PERPETUAL PERPETUAL unlike here in this temporary world.unlike here in this temporary world.
FIRST REASONINGFIRST REASONING
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Wealth is measured, not by how much money is a country, but
by how it has been circulated and how many times it is used.
Thus a country’s economy is measured by Gross Domestic
Product (GDP).
SECOND REASONINGSECOND REASONING
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In society, there are people who do not have spending power
due to poverty or unemployment etc. (which zakat is meant for).
Providing for them means injecting into the economy catalysts
to increase economic activity because of the “multiplier effect” it
generates.
SECOND REASONINGSECOND REASONING
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Thus it is, that Zakat seems to ‘penalise’ unused wealth, to
discourage hoardings especially when these wealth inevitably
deprive those who are in need from having means to spend
even on basics.
SECOND REASONINGSECOND REASONING
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Wealth when used or injected into the economy would
in fact generate work and incomes to these various
category of people, thus, by increasing consumer
demand (spending) increases national products and
services, whereas hoarding wealth would stifle and
retard the economy.
SECOND REASONINGSECOND REASONING
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TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
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Agricultural Agricultural produceproduce
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
635 kg.635 kg.PerPer
harvestharvest 5% produce in 5% produce in
case of irrigated case of irrigated land.land.
10% produce 10% produce from rain-fed from rain-fed land.land.
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
Gold, silver or Gold, silver or ornaments of ornaments of gold and silvergold and silver
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
85 gm 85 gm (gold)(gold)
595 gm595 gm(silver)(silver)
One year
(lunar)
2.5% of the value
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
Cash, in hand Cash, in hand or in the bankor in the bank
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
One year
(lunar)
2.5% of the 2.5% of the amount of cash amount of cash in hand or in in hand or in bank bank
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi
Value of Value of 595 gm595 gm(silver)(silver)
(MUIS)*S$4,568
as @ DECEMBER 2013
*Islamic Religious Council of Singapore
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Trading goodsTrading goods
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
One year
(lunar)
2.5% of the value of the goods
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi
Value of Value of 595 gm595 gm(silver)(silver)
(MUIS)*S$4,568
as @ DECEMBER 2013
*Islamic Religious Council of Singapore
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Cows and Cows and buffaloesbuffaloes
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
30 in numbers
- For every 30, a 1-year old calf; and so on.
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
Goats and sheep
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
40 in numbers
- One sheep for first 40;
Two for 120; and so on.
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
Produce of the Produce of the mines – all mines – all kinds of kinds of mineralsminerals
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
Any amount
- 20% of the value of produce
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
Camels
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
5 numbers - 5 up to 24 : one sheep or goat for every 5 camels;
25 up to 35 : one 1-year old she camel; and so on
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-QaradhawiAll Rights Reserved© Zhulkeflee Hj Ismail (2016)
In keeping with changing economic system (development), there In keeping with changing economic system (development), there
may be other types of wealth which contemporary Islamic jurists may be other types of wealth which contemporary Islamic jurists
may regard to be ‘zakatable’ by consensus (may regard to be ‘zakatable’ by consensus (IJMA’IJMA’) or in accordance ) or in accordance
with acceptable scholarly exertion (with acceptable scholarly exertion (IJTIHADIJTIHAD), be it analogous ), be it analogous
deduction (deduction (QIYASQIYAS), preference (), preference (ISTIHSANISTIHSAN), needs (), needs (MASLAHATMASLAHAT ) etc. ) etc.
TYPES OF WEALTHTYPES OF WEALTH NISABNISAB HAULHAUL RATES OF ZAKATRATES OF ZAKAT
Reference: “Fiqhuz-Zakah” – Sheikh Dr. Yusuf al-Qaradhawi
Wa-Allaahu a’lam(IT IS ALLAH WHO KNOWS ALL)
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““ASAANIF” ASAANIF” : THE CATEGORIES OF PEOPLE : THE CATEGORIES OF PEOPLE
UNTO WHICH ZAKAT MUST BE GIVEN TO.UNTO WHICH ZAKAT MUST BE GIVEN TO.
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“ “ The alms are only for the poor and the needy, and those who The alms are only for the poor and the needy, and those who
collect them, and those whose hearts are to be reconciled, and collect them, and those whose hearts are to be reconciled, and
to free the captives and the debtors, and for the cause of to free the captives and the debtors, and for the cause of
Allah, and (for) the wayfarerAllah, and (for) the wayfarer; a duty imposed by Allah; a duty imposed by Allah. Allah is . Allah is
Knower, Wise.” Knower, Wise.”
((Qur’an: Taubah: 9: 60Qur’an: Taubah: 9: 60))
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““The Believers men and women, are (The Believers men and women, are (AWLIYA’AWLIYA’) ) protectors protectors
one of anotherone of another: they enjoin what is just, and forbid what is : they enjoin what is just, and forbid what is
evil: they observe regular prayers (evil: they observe regular prayers (swolahswolah), practice ), practice
regular charity (regular charity (zakahzakah), and obey Allah and His Messenger. ), and obey Allah and His Messenger.
On them will Allah pour His mercy: for Allah is Exalted in On them will Allah pour His mercy: for Allah is Exalted in
power, Wise.” power, Wise.”
((Qur’an: Taubah: 9: 71Qur’an: Taubah: 9: 71))
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[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.
FUQARA’ - FAAQIRFUQARA’ - FAAQIR
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[2] These are the “needy; those in need” or (those slightly better-
off than the “Faaqir”) 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.”
MASAAKIN - MISKEENMASAAKIN - MISKEEN
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[3] The full description is “[3] The full description is “those who are employed or working those who are employed or working
upon it upon it (collecting and distributing the zakah)”. (collecting and distributing the zakah)”.
This imply necessity for zakat institution be managed This imply necessity for zakat institution be managed
(efficiently) professionally; and to safeguard the honour of every (efficiently) professionally; and to safeguard the honour of every
Muslims from having to beg.Muslims from having to beg.
‘‘AAMILEEN – ‘AMILAAMILEEN – ‘AMIL
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[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.
MU-ALLAF MU-ALLAF
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[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’.
RI-QAABRI-QAAB
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[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 “Faaqir & Miskeen” but in a
temporary sense, because of unforeseen expenditure incurred due
to misfortune, sickness, accident, calamities etc.
GHAA-RIMEENGHAA-RIMEEN
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[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.
FEE-SABI-LILLAAHFEE-SABI-LILLAAH
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[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-kana) managed by Islamic
treasury (Bayt-ul-Maal) , for every Muslim travellers.
IBNUS-SABEELIBNUS-SABEEL
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““Fair in the eyes of men is the love of things they covetFair in the eyes of men is the love of things they covet: women : women
and sons; heaped-up hoards of gold and silver; horses branded (for and sons; heaped-up hoards of gold and silver; horses branded (for
blood and excellence); and (wealth of) cattle and well-tilled land. blood and excellence); and (wealth of) cattle and well-tilled land.
Such are the possessions of this world's life; Such are the possessions of this world's life; but in nearness to but in nearness to
Allah is the best of the goals (to return to).Allah is the best of the goals (to return to).””
((Qur’an: Aali ‘Imran: 3:14Qur’an: Aali ‘Imran: 3:14))
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"But seek, "But seek, with the (wealth) which Allah has bestowed on with the (wealth) which Allah has bestowed on
thee, the Home of the Hereafterthee, the Home of the Hereafter, nor forget thy portion in this , nor forget thy portion in this
world: but do thou good, as Allah has been good to thee, and 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 seek not (occasions for) mischief in the land: for Allah loves not
those who do mischief." those who do mischief."
((Qur’an: Qasas: 28: 77Qur’an: Qasas: 28: 77))
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“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)
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Render not vain your almsgiving (swodaqat) by reproach and injury, (Q: Baqarah: 2: 264)
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“ 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 (2016)
“ “ Kind words and the covering of faults Kind words and the covering of faults are better are better
than charity followed by injury. Allah is free of all wants, than charity followed by injury. Allah is free of all wants,
and He is Most Forbearing. ” and He is Most Forbearing. ”
((Qur’an: Baqarah: 2: 263Qur’an: Baqarah: 2: 263))
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
“ “ O ye who believe! O ye who believe! Render not vain your almsgiving Render not vain your almsgiving ((swodaqatswodaqat) )
by reproach and injury, like him who spends his wealth only to be 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 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 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 rainstorm smites it, leaving it smooth and bare. They have no
control of aught of that which they have gained. Allah guides not control of aught of that which they have gained. Allah guides not
the disbelieving folk. ” the disbelieving folk. ”
((Qur’an: Baqarah: 2: 264Qur’an: Baqarah: 2: 264))
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“ “ The The Satan threatens you with poverty Satan threatens you with poverty and bids you to conduct and bids you to conduct
unseemly. Allah promises you His forgiveness and bounties and unseemly. Allah promises you His forgiveness and bounties and
Allah cares for all and He knows all things.”Allah cares for all and He knows all things.”
((Qur’an: Baqarah: 2: 268Qur’an: Baqarah: 2: 268))
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“ “ Whatever of good ye give benefits your own souls and ye shall Whatever of good ye give benefits your own souls and ye shall
only do so seeking the "Face" of Allah. only do so seeking the "Face" of Allah. Whatever good ye give, shall Whatever good ye give, shall
be rendered back to you be rendered back to you and ye shall not be dealt with unjustly. ”and ye shall not be dealt with unjustly. ”
((Qur’an: Baqarah: 2: 272Qur’an: Baqarah: 2: 272))
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““And let not those who And let not those who covetously withheld of the gifts which covetously withheld of the gifts which
Allah hath given them of His Grace think that it is good for themAllah 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 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 like a twisted collar on the Day of Judgment. To Allah belongs the
heritage of the heavens and the earth; and heritage of the heavens and the earth; and Allah is well Allah is well
acquainted with all that ye do.acquainted with all that ye do.””
((Qur’an: Aali ‘Imran: 3: 180Qur’an: Aali ‘Imran: 3: 180))
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““Allah hath heard the taunt of those who say: "Truly, Allah is Allah hath heard the taunt of those who say: "Truly, Allah is
indigent and we are rich!",― We shall certainly record their indigent and we are rich!",― We shall certainly record their
word and (their act) of slaying the Prophets in defiance of word and (their act) of slaying the Prophets in defiance of
right, and We shall say: "Taste ye the penalty of the right, and We shall say: "Taste ye the penalty of the
Scorching Fire!. “Scorching Fire!. “
((Qur’an: Aali ‘Imran: 3: 181Qur’an: Aali ‘Imran: 3: 181))
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“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)
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““On the Day when On the Day when heat will be produced out of that (wealth) in heat will be produced out of that (wealth) in
the fire of Hell, and with it will be branded their foreheads, their the fire of Hell, and with it will be branded their foreheads, their
flanks and their backsflanks and their backs― "This is the (treasure) which ye buried ― "This is the (treasure) which ye buried
for yourselves: taste ye, then the (treasures) ye buried!" for yourselves: taste ye, then the (treasures) ye buried!"
((Qur’an: Taubah: 9: 35Qur’an: Taubah: 9: 35 ) )
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““And spend [in the way of Allah] from what We have And spend [in the way of Allah] from what We have
provided you before death approaches provided you before death approaches one of you and he one of you and he
says, "My Lord, if only You would delay me for a brief term so says, "My Lord, if only You would delay me for a brief term so
I would give charity and be among the righteous. I would give charity and be among the righteous. But never But never
will Allah delay a soul when its time has comewill Allah delay a soul when its time has come. And Allah is . And Allah is
Acquainted with what you do..”Acquainted with what you do..”
((Qur’an: Munafiun: 63: 10-11Qur’an: Munafiun: 63: 10-11 ) )
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“ “Protect your wealth Protect your wealth by paying the by paying the ZakahZakah, and , and heal your sick heal your sick
by giving charity (by giving charity (sadaqahsadaqah)”)”
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)
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He said: “Verily, your wealth is only what you have spent (for He said: “Verily, your wealth is only what you have spent (for
your needs, or given away in charity or as gifts), what remains your needs, or given away in charity or as gifts), what remains
with you is (actually held by you) to be inherited by others.”with you is (actually held by you) to be inherited by others.”
((Hadith reported by Bukhary and MuslimHadith reported by Bukhary and Muslim))
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““There is no wealth which is mixed with (portions in which) There is no wealth which is mixed with (portions in which)
zakatzakat (is not paid) except that it will be cause of destruction.” (is not paid) except that it will be cause of destruction.”
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)
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““If you fulfil (pay out) the If you fulfil (pay out) the zakat zakat upon your wealth with a good upon your wealth with a good
heart (i.e. without feeling regret or sense of loss, or being heart (i.e. without feeling regret or sense of loss, or being
insincere, hypocritical etc.), theninsincere, hypocritical etc.), then in reality you have been saved in reality you have been saved
from the evil (or harm which your wealth may bring upon you)from the evil (or harm which your wealth may bring upon you).”.”
((Hadith of the Prophet Muhammad s.a.wHadith of the Prophet Muhammad s.a.w.).)
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All Rights Reserved© Zhulkeflee Hj Ismail (2016)
““O Allah! Make sufficient for us our provision with what is O Allah! Make sufficient for us our provision with what is
lawful (halal) and not from what is forbidden (haram). lawful (halal) and not from what is forbidden (haram).
Enrich us with the bestowals from You alone, not from Enrich us with the bestowals from You alone, not from
other than You.”other than You.”
ALLA-HUM-MAK - FI-NAA BI-ALLA-HUM-MAK - FI-NAA BI-HHA-LAA-LI-KA- ‘AN-A-LAA-LI-KA- ‘AN-HHA-RAA-MIK, A-RAA-MIK, WA-ARGH-NI-NAA – BI – FAWA-ARGH-NI-NAA – BI – FADwDw -LI-KA – ‘AM-MAN –SI- WAAK -LI-KA – ‘AM-MAN –SI- WAAK
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ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL-ALLAA-HUM-MA - IN-NEE – A –’UU- DZU – BIKA - MINAL-
BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI,BUKH-LI, WA – A-’UU-DZU- BIKA - MINAL-JUBNI,
WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA – WA-A-’UU-DZU - BIKA MIN- AN- URAD -DA – ILAA –
AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN-AR-ZA- LIL- ‘UMUR , WA –A-’UU-DZU- BIKA – MIN – FITNA-TID-DUN-
YAA – WA – ‘A-DZAA-BIL – QAB-RIYAA – WA – ‘A-DZAA-BIL – QAB-RI
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““O AllO Allaah, I seek refuge in You from miserliness and cowardice, I 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. 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 old age, being weak, destitute, incapable and in a state of
fear, etc.”, and I seek refuge in You from the trials and fear, etc.”, and I seek refuge in You from the trials and
tribulations of this worldly life and the punishment of the tribulations of this worldly life and the punishment of the
grave.”grave.”
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““O Allah! We ask that You be pleased with us and (grant us) O Allah! We ask that You be pleased with us and (grant us)
the Paradise, and we seek refuge (in You) from Your wrath the Paradise, and we seek refuge (in You) from Your wrath
and the Hell-fire.”and the Hell-fire.”
ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- ALLA-HUM-MA IN-NAA NAS-A-LU-KA RI- DwDwAA -KA WAL JAN-NATA, AA -KA WAL JAN-NATA, WA-NA-’UU- DzU- BI-KA MIN SA-WA-NA-’UU- DzU- BI-KA MIN SA-KHKHA-TI-KA WAN-NAAR A-TI-KA WAN-NAAR
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““(May) Allah grant His Reward upon Muhammad, (May) Allah grant His Reward upon Muhammad,
salutations of Allah and Peace be upon him and his salutations of Allah and Peace be upon him and his
family, in accordance with what he deserves (in family, in accordance with what he deserves (in
Allah’s knowledge & estimation).”Allah’s knowledge & estimation).”
JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU JAZALLAA-HU ‘AN-NAA MUHAM-MADAN SWOL-LAL-LAAHU ‘‘ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU ALAY-HI WA- AA-LIHI WA-SAL-LA-MA – MAA HU-WA AH-LUHU
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WA - WA - SWSWOL-LAL-LAAHU – ‘A – LAA – SAI-YI-DI-NAA – MUOL-LAL-LAAHU – ‘A – LAA – SAI-YI-DI-NAA – MUHHAM-MADIN – AM-MADIN – WA – ‘ALAA – AA -LIHI – WA - WA – ‘ALAA – AA -LIHI – WA - SWSWOOHH – BI-HI – WAS - SAL-LA-M – BI-HI – WAS - SAL-LA-M WAL – WAL – HHAM – DU – LIL-LAA – HI – ROB – BIL – ‘AA – LA - MEENAM – DU – LIL-LAA – HI – ROB – BIL – ‘AA – LA - MEEN
“ “And may the Salutations of Allah and peace be upon And may the Salutations of Allah and peace be upon
our Leader Muhammad our Leader Muhammad
and his family and Companions.and his family and Companions.
And all praises belongs to Allah, And all praises belongs to Allah,
Lord Sustainer of the worlds.”Lord Sustainer of the worlds.”All Rights Reserved© Zhulkeflee Hj Ismail (2016)
””Glory to thy Lord the Lord, of Honour and Power! (He Glory to thy Lord the Lord, of Honour and Power! (He
is free) from what they ascribe (to Him)! And Peace on is free) from what they ascribe (to Him)! And Peace on
the Messengers! And praise to Allah, the Lord and the Messengers! And praise to Allah, the Lord and
Cherisher of the Worlds.” Cherisher of the Worlds.”
((Qur’an : Saffat: 37 : 180-182Qur’an : Saffat: 37 : 180-182))
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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/
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