The Implications of Zakat

By Yasir Qadhi | 2026-01-08T05:59:07.579727+00:00 | Topic: Iman

The Implications of Zakat - Dr. Yasir Qadhi

The Implications of Zakat - Dr. Yasir Qadhi

Opening

الحَمْدُ لِلَّهِ وَالصَّلَاةُ وَالسَّلَامُ عَلَى رَسُولِ اللهِ وَعَلَى آلِهِ وَصَحْبِهِ وَمَنْ وَالَاهُ أَمَّا بَعْدُ

السَّلَامُ عَلَيْكُمْ وَرَحْمَةُ اللهِ وَبَرَكَاتُهُ

The Purpose of Creation and the Distraction of Wealth

We all know that the purpose of our creation is the worship of Allah - men and jinn in order to worship me. I'm sure all of you have heard of that verse. But have you ever looked at the verse right after it? We've all heard of the verse Allah is speaking in the first person. That there's only one purpose I've created you. I have only created you. This is an exclusionary verse. All other possible motives for creation have been ruled out. I have only created you for the sole purpose of what:

وَمَا خَلَقْتُ الْجِنَّ وَالْإِنسَ إِلَّا لِيَعْبُدُونِ

"I did not create jinn and humans except to worship Me."

Men and jinn. Humankind and jinn. There's only one reason of creation. And that is (عِبَادَةُ اللهِ لَا إِلَهَ إِلَّا اللهُ) There is no deity worthy of worship except for Allah.

Now the verse right after this one is almost always neglected and ignored. People just skip over it, zoom over it. Because they think it's not relevant to the verse itself. But Allah does not have any verse that is irrelevant to the context in which it is recited. The very next verse Allah says:

مَا أُرِيدُ مِنْهُم مِّن رِّزْقٍ وَمَا أُرِيدُ أَن يُطْعِمُونِ

"I want from them no provision, nor do I want them to feed Me."

I don't want any money from them. Nor do I want them to feed me. Rather Allah is the one who gives you your wealth and your rizq and your sustenance. And Allah is the one who feeds you.

Now think about it. Why would Allah say I created you to worship me? And the very next verse is about money? Think about that. Allah says I created all of you only to worship me. And then says I'm not asking for your wealth. I'm not asking for your rizq. I'm not asking for your food to feed me. Rather I am the one who will give you your sustenance and food.

Well, the correlation is in fact obvious if you think about it. And that is the primary distraction for the worship of Allah is the pursuit of money. I repeat: The number one reason because of which, due to which people are persuaded or dissuaded from worshipping Allah is because of the dunya.

Look around you. What is the number one motivation for being dedicated for giving up everything? It is the acquisition of wealth. It is studying. It is doing whatever you can. More money, more money, more money. And Allah says that look this money that you want it's in my hands. I'm the one who's gonna give it to you. Don't be persuaded. Don't be dissuaded. Don't be swayed by the false lure of money against the noble goal of worshipping Him. And so Allah says when you worship me I will make you rich. Don't worry I don't want your money. I will give you your money if you worship me.

إِنَّ اللَّهَ هُوَ الرَّزَّاقُ ذُو الْقُوَّةِ الْمَتِينُ

"Indeed, Allah is the Provider, the firm possessor of strength."

Allah is Ar-Razzaq. Allah is telling you your rizq is with me because I am Ar-Razzaq. And so money and the worship of Allah, Allah linked them together not because of a positive relationship but to demonstrate that no one should ever, ever fall to the false promise of money being more important than the worship of Allah. And Allah tells us when you worship Ar-Razzaq, Ar-Razzaq will provide what you need.

Pre-Islamic Arab Generosity and the Prophet Ibrahim's Legacy

And you know the Quran was revealed, as you know, in a society or perhaps if we don't know we'll educate ourselves, in a society that believe it or not would actually emphasize charity. The Arabs they had a lot of bad traits - they would kill their daughters alive as you know, they would do a lot of mean things - but they also were known for some very positive traits. The Jahili Arabs they had a lot of positive as well. And of those positive traits is that they were a generous people. And they looked up to generosity.

People such as Hatim At-Ta'i is a well-known legendary Arab who would give literally hundreds and thousands, it is said, of camels and sheep he would sacrifice them to feed the wayfarer and the poor. And the Arabs looked up to him they admired him. And of course they should admire him because they are the children of Ismail and Ibrahim. And Ibrahim as we know was the first person who was hospitable. Ibrahim, our Prophet said: The very first person who was hospitable to others who fed guests who was nice to other people who came visited him. The very first person to do Ziyafah was the Prophet Ibrahim.

So they valued the tradition of feeding others. They valued the tradition of being generous to others. And there is an expression in Arabic that basically signifies when somebody is generous they said he has a tent pole that is very high. This is how they would say he is generous. How so? This means he would cook fires that would require air. And so the tent would have to be large to accommodate that air. So they would describe somebody who is generous as somebody his tent pole was very high because he would cook fires for the people to feed them.

Likewise, Aisha for example asked about one of her relatives Abdullah Ibn Jud'an that she says Oh Messenger of Allah My uncle Abdullah Ibn Jud'an he was nice and he was feeding the poor and he was nice to the orphans. Will Allah accept his good deeds? Now the point here she expected or she hoped that because Ibn Jud'an before the coming of Islam was a good person by feeding the people by showing his hospitality that perhaps Allah would forgive him.

Our Prophet said that he might have done that but he never once believed in Allah or worshipped Allah. And we know in our religion Iman and Amr As-Saleh they have to go hand in hand. That faith and good deeds are both required. You can't have one to the exclusion of the other.

Early Meccan Revelations About Charity

And a lot of people they say Zakat was revealed in one of the early stages of Medina. But they neglect - It is true by the way Zakat was revealed in Medina. But they neglect that the concept of charity was not just revealed in Medina. It is true Zakat which is the wajib element of charity came down in the second year of the Hijrah. That's true. But we neglect that being charitable, being generous, sharing your wealth with the poor - This is of the earliest of Meccan revelations.

It is true to say that by the time the third or fourth revelation came down, the very earliest of revelations that Allah was emphasizing charity and hospitality and feeding the poor, in particular feeding the poor. For example Allah says in a very early Meccan surah:

وَلَا يَحُضُّ عَلَى طَعَامِ الْمِسْكِينِ

"Nor does he urge [others] to feed the poor."

You're not encouraging each other to feed those who are hungry. You're not encouraging one another. Forget you're not doing it. You're not even encouraging others to do it. As a community. As a society. You're not encouraging each other to take care of those who are deprived and have empty stomachs, hungry stomachs.

Allah says in another very early Meccan surah:

أَوْ إِطْعَامٌ فِي يَوْمٍ ذِي مَسْغَبَةٍ * يَتِيمًا ذَا مَقْرَبَةٍ * أَوْ مِسْكِينًا ذَا مَتْرَبَةٍ
وَمَا أَدْرَاكَ مَا الْعَقَبَةُ * فَكُّ رَقَبَةٍ

"And what can make you know what is [breaking through] the difficult pass? [It is] freeing a slave"

Do you know what it is to achieve the highest level? Do you know what it is to get to the highest level? It is to free a slave. It is to free a slave. Or what is equivalent to freeing a slave? Feeding someone.

أَوْ إِطْعَامٌ فِي يَوْمٍ ذِي مَسْغَبَةٍ

On a day when you don't have that much yourself. When you yourself want your food. And by the way, when these verses came down, salah was not obligatory. There was no fasting of Ramadan. Zakah had not yet been legislated. That would come in the second year of the Hijrah.

But a decade before Zakah was revealed, Allah said, do you really want to know how to get to Jannah? Feed somebody when you yourself need that food. When it's a difficult day, go find somebody else to give that food to. Who should you find? An orphan that's related to you. Or a beggar who has nothing but the dust.

(مِسْكِينًا ذَا مَتْرَبَةٍ) - literally he has nothing but the dust. You might have a little bit of food, but you have something for tomorrow. Something will happen, give up that food, and give it to somebody else who needs it.

And yet another very early Meccan revelation, all of these within the first 3-4 years of the Hijrah. Allah mentions:

وَيُطْعِمُونَ الطَّعَامَ عَلَىٰ حُبِّهِ مِسْكِينًا وَيَتِيمًا وَأَسِيرًا * إِنَّمَا نُطْعِمُكُمْ لِوَجْهِ اللَّهِ لَا نُرِيدُ مِنكُمْ جَزَاءً وَلَا شُكُورًا

"And they give food in spite of love for it to the needy, the orphan, and the captive, [Saying], "We feed you only for the countenance of Allah. We wish not from you reward or gratitude."

They give their food, although they love it. They give their food even though they love it. They give it to people even though they need it. And when they give it, Allah says that they tell the recipients, don't even thank me.

They tell the recipients when they give their food that they love, do not thank me. I don't want your thanks. (إِنَّمَا نُطْعِمُكُمْ لِوَجْهِ اللَّهِ) - We're giving you this food for the sake of Allah.

We don't want anything back from you. This is what our religion tells us to do. We don't want a PR opportunity. We don't want the media flashing photographs at us. We don't even want you to say thank you. We don't even want that.

(إِنَّمَا نُطْعِمْكُمْ لِوَجْهِ اللَّهِ) - We are feeding you in order to please our Lord. We're feeding you in order to get His reward and not reward back from you.

The Profound Language of Arabic Regarding Money and Charity

And subhanAllah, just as a tangent here, slight tangent, anybody who's taken my classes or lectures knows I have a very... I think it's a bad habit. My students say it's a good habit. I go into these tangents and then come back to the lecture. Just a quick tangent here, that subhanAllah, look at the Quranic terminology for money and for the currencies that were used.

It's such a profound language, Arabic. Look at what words the Arabs and Allah used to describe money and also look at the words Allah used to describe charity. Arabic we firmly believe as Muslims, this is a theological point, that Arabic is the most eloquent of all languages. This is a point that I say is actually a point of theology, that Allah has spoken the Quran in Arabic, our Prophet spoke Arabic, that is enough of a sharaf and an izzah for the Arabic language. So Arabic is the most eloquent of all tongues.

What words are used to describe money? Compare this and see for yourself the profundity of the language.

Gold and Silver in Arabic

Gold and silver. By the way gold, the English term gold, it comes from the ancient Gothic of dull yellow. Gold actually means dull yellow and so gold is called gold because it's dull yellow. Not very profound but that's what gold is called. Gold is called gold because it has a dullish yellowish color.

What is gold called in Arabic? All of you should know. (ذَهَبٌ - dhahab), right? And (ذَهَبَ - dhahaba) as we all know is the most common Arabic verb that we start studying Arabic grammar with. (ذَهَبَ عُمَرُ، ذَهَبَ زَيْدٌ، ذَهَبَ - dhahaba 'umar, dhahaba zayd, dhahaba) means to go away. And the word gold comes from the verb (ذَهَبَ - dhahaba) to go away because by its very nature gold comes and goes. (يَذْهَبُ ذَهَبٌ - yadhhabu dhahabun). Gold comes and goes. It doesn't remain with you. That's why it leaves you so fast.

So for example, what is silver in Arabic? (فِضَّةٌ - fiddah). And what is the word (فِضَّةٌ - fiddah) come from? (انْفِضَّةٌ - infiddah). And (انْفِضَّةٌ - infiddah) means to break up and disperse. Allah says in the Quran that when they see some group coming (انْفَضُّوا - infaddu) - They will go and disperse, disperse away from you. That the Prophet is being told that when some money is being distributed the hypocrites will disperse away from you. (انْفَضُّوا - infaddu)

So (فِضَّةٌ - fiddah) comes from the same to just break up and disperse away. Because whenever you have money, you have a hundred dollars, what's gonna happen? You will break it up into 10s and 5s and 15s and 20s and give it away. This is (انْفِضَّةٌ - infiddah) to break up and split.

So (فِضَّةٌ - fiddah) silver comes from (انْفِضَّةٌ - infiddah). The word for money, (مَالٌ - mal), right? (مَالٌ - mal), the word for money, the Arabic (مَالٌ - mal) means to lean towards. This is (مَالٌ - mal), to lean towards. To lean towards. And why is money come from (مَالٌ - mal)? Because the heart leans towards it. The soul is eager to get it. (يَمِيلُ مَالٌ - yameelu malun). The heart (يَمِيلُ - yameelu). It leans towards that wealth.

The English word wealth by the way, where does it come from? Wealth actually comes from the same root as well-being which is happiness. So Middle English, Ancient English, they literally thought money will give you happiness. And so wealth comes from health and wealth. Wealth here was happiness. The same root we get well, well-being, well. Are you well? Well and wealth come from the same root. So wealth according to Middle English was that which makes you happy. That's why it's called wealth in English.

The Arabs understood money doesn't make you happy. The nafs (يَمِيلُ - yameelu). It is wanting to get it but it doesn't make you happy.

Quranic Vocabulary for Charity

So when the Quran came down, a new vocabulary was invented for giving charity. These words that Allah used, they don't exist, they didn't exist in pre-Islamic Arabia. The words that Allah used for charity are unique. Allah Azzawajal invented Arabic words to indicate charity.

And look at the profundity of all of these words. What's the most common word for charity in the Quran? Quickly. Sadaqa and Zakah. The two most, both of you are right. Sadaqa and Zakah.

Sadaqa and Zakah

Before the Quran was revealed, the pre-Islamic Arabs never used the two terms Sadaqa and Zakah. This is a Quranic invention. It is a phenomenon that the Prophet came with.

Sadaqa

Sadaqa, from what? What is Sadaqa? Sadaqa Allahul Azeem. What is Sadaqa mean? Spoken the truth, been sincere. And so Allah called your charities your way of showing your sincerity to Allah.

Your Sadaqa is your Sadaqa Allahul Azeem, literally, if you get what I'm saying here. Your charity is your indication that I believe that Allah is telling me the truth. That I believe that this is a sign of my sincerity and ikhlas. This is my Sidq. This is my truth in front of Allah that Allah will test me whether I have faith. This is my test of faith and I'm passing the test by giving Sadaqa.

Zakah

This is what Sadaqa comes from. The word Zakah, you all know Zakah means to purify. This is something we all know. Zakah means to purify. And AllahAzzawajal reminds us that when you give for the sake of Allah, you are purifying your health and wealth. You're purifying all the blessings that Allah has given you.

So Allah is saying this charity that you give, it is a purification for you. So Allah called it Zakah.

Qard

A third word that Allah used is Qard, Qardan Hasana. And that's a beautiful word because Qard means to lend somebody money. And so Allah is telling you, when you give charity, you're lending me money. And I'll give it back to you. And I'll give it back with the most halal version of interest possible. This is the most halal version that Allah will multiply it a minimum of 10 times. This is what Qard is.

Qard means to lend somebody money. And Allah says that Sadaqa is Qard. Charity is Qard. Because it is as if you are lending Allah money.

The Basic Principles of Zakah

In any case, I need to get back to the topic. We only have few minutes left but I wanted to mention some points about Zakah.

Zakah is really interesting for many reasons. Firstly, the basic principle of Zakah is taken from a hadith in Bukhari. And this is in direct contradistinction to the modern philosophy of many, many systems of capitalism. Not every system of capitalism but many systems of capitalism.

Allah tells us, the Prophet tells us that the purpose of Zakah is to take money. This is a hadith literally. You can quote, this is in quotation marks:

تُؤْخَذُ مِنْ أَغْنِيَائِهِمْ وَتُرَدُّ إِلَى فُقَرَائِهِمْ

(Bukhari)

"To take money from the rich and to give it to their poor."

This is directly from the hadith in Bukhari. Charity is meant to be taken from their rich so that it is returned. تُرَدٌ means to return. It's as if the real people who deserve it are the poor. And it is returned to the poor.

Allah says in the Quran that all of this charity has been instituted:

كَيْ لَا يَكُونَ دُولَةً بَيْنَ الْأَغْنِيَاءِ مِنكُمْ

So that money doesn't become circular amongst the rich, amongst the 1%. Money is not meant to go circles. دولة Money is meant to be transferred down. And the purpose of Zakah is to take that transference in a legitimate manner, in a halal manner, in an encouraging manner.

People are encouraged to give Zakah. People are told of the blessings of Zakah and the money goes down and filters down from the rich to those who need it.

The Diversity of Zakatable Wealth

The second point of Zakah, and this is very unique and very interesting. Many people don't realize this, brothers and sisters. Once upon a time when the Zakah system flourished, the bulk of wealth that came in from Zakah was not gold and silver, not at all. Gold and silver was the minority percentage.

The bulk of Zakatable wealth is not gold and silver, no. Rather, Zakat is collected on livestock. Zakat is collected on produce, vegetables and grain and wheat and dates. Zakat is collected on business products. And Zakat is also collected on money.

So imagine living in an ideal Islamic system. By the time the Zakah is collected, you will have 50,000, 100,000 goats and camels and sheep. You're gonna have all types of grains and barley and dates. You're gonna have a lot of food. You're gonna have a lot of property.

So, when you distribute, you're not just gonna give money. You're gonna give other items as well. You're gonna see who needs a camel. And a camel is an instrument of transportation. A camel is something that can be used in so many different ways. You will give sheep. You will give this. You will give that. You will give grain. You will give barley. You will give vegetables.

So many different types of produce are being collected by the Zakah collectors and then given back to the people. It's not just paper money or gold and silver. Rather, it is things that people need.

The person who needs a camel might not need grain. The person who needs grain might not need gold and silver. And the Zakah system takes into account that their poverties are different. Not everybody suffers from the same type of poverty. So the Zakah takes into account, people need to eat something, there's Zakah on food. People need animals, there's Zakah on animals. People need money, there's Zakah

on money. And so the judge or the khalifah or whoever will give each one what that particular family needs the most. That's another interesting point of Zakah.

The Eight Categories of Zakah Recipients

Thirdly, Zakah is given to, as we know, 8 specific categories of people. And I don't have time to go into all of them. But AllahAzzawajal clearly specified who Zakah will go to.

And I think one of the most interesting ones, really just to shed some light. One of the categories of Zakah are those who are active in collecting Zakah. In other words, imagine you had a Zakah system flourishing in an Islamic land. You would have tens of thousands of people collecting the Zakah, taking account of it, seeing who gets what, going and checking the people out.

Where will these people get their salaries from? Where will they get their own income? Allah says, the Zakah system will be self-sufficient. One category of Zakah will be the people who are in the department of Zakah. This is in the Quran.

Can you imagine the foresightedness? Can you imagine the perfection of our Sharia that Allah says, you can even take care of how you collect Zakah and how you give Zakah? The money to do that will also come from Zakah. It's a self-sufficient industry that no other group or no other agency will have to pay for the collection and distribution of Zakah. Isn't that an interesting point? That it is made self-sufficient by Allah in the Quran.

Islam as a Complete Economic System

And we can go on and on but again time is of the essence. So I wanna just conclude by mentioning some points here that it's not just really about money. I could also, I had other topics to mention as well that it's really about economic policies.

It's not just about Zakah. You know we hear the trope, we hear the stereotype, we hear the cliche that Islam is not just a ritual and a theology, it is a way of life. Wallahi that cliche is true. I know it sounds simplistic, but wallahi there is profundity in that as well. Islam is not just a bunch of rituals, a bunch of beliefs. Islam truly is a system of living our lives.

And Allah has revealed detailed economic laws, detailed policies about eating and drinking even. SubhanAllah it's a quick tangent. You know that as we know there is a shortage of food in the world today. That a lot of people are going hungry. I don't know the statistics offhand of countries that are suffering from food shortages. I do know statistics here in America.

Food Waste and Islamic Teachings

We here in America, we have enough food to feed four to five times the population of this country. We have enough food to take care of a billion people. And the sad point is, there was an article on CNN

recently about this, perhaps up to 35% or maybe even 40% of that food goes to waste.

That's almost half. Goes to waste, why? Because we buy it and it just rots in our fridge. Because, and there's a documentary on this, that's a very beautiful documentary. The shape of a particular fruit is not aesthetically pleasing enough. The tomato isn't perfectly round, they're gonna throw it away. The potato might not be the perfect oval, might be protruding here and there.

So it's not good enough for the consumers at the epicurean marketplaces. So let's just leave that aside and throw it away. Subhanallah, brothers and sisters.

What does our religion teach us? Our Prophet said, hadith is in Tirmidhi (Tirmidhi hadith 1844). Our Prophet said, if a piece of food falls on the floor, pick it up. Brush away the dust, you can cut away the dust. Yes, you don't wanna eat the dust on there. But eat the rest of it and do not leave it for shaytan. Wasting food is throwing food to shaytan.

Wallahi, brothers and sisters, we don't have a food crisis in the world. We have an overconsumption in the first world. That's what we do. We don't have a food crisis in the world. We have greed. In those countries that Allah has given more to, we have an amount of greed that if we were simply to distribute that food, the food that we're not gonna eat, it's not gonna be used by us.

And that's, by the way, not even looking to the count, we're supposed to eat one-third, as you all know. We're talking about that one-third. If we were to do that, America could feed the entire world because they're taking into account, if you fill your stomach, America has four times the amount of food that it needs. Imagine you cut that into one-third.

But in any case, my point is that, subhanallah, our sharia really and truly does have an entire economic system. And really we need to ask ourselves, why is it that we are not at the forefront when it comes to supporting such causes? Why is it that there are many other organizations, many of them secular, some of them religious, that have taken the front seat and we have taken the back seat when it comes to eradicating poverty?

When our Quran tells us from the very beginning, وَ يُطْعِمُونَ الطَّعَام - giving food, then how can there still be hungry people in a neighborhood where there's a Muslim family? Wallahi, that's a question we need to ask ourselves.

How can there still be hungry people in a city that has a few hundred, a few thousand Muslims? What is going on here?

The Challenge of Local vs. Overseas Charity

And in trying to analyze why, I have two perhaps excuses or reasons, both of which of course we need to eradicate. The first of them, and I speak here as an immigrant, as a child of immigrants. I think that

honestly, and this is a self-criticism of many of us, and I'm an immigrant, so I'm criticizing myself, that honestly growing up as a child back in the 70s and 80s, I never heard a khutbah or a sermon about local problems.

That always, whenever we thought of charity, whenever we thought of raising money, it's for an exotic thing overseas. It's something far, far away. Kashmir, Pakistan, India, Palestine.

And so we grew up with the culture of charity begins not at the home, but overseas. And again, I speak as an immigrant. And I know that that's not the case for those who are not from immigrant backgrounds.

That our parents, and may Allah bless them and reward them, but their vision really was not three, four, five generations down the line. For them, the troubles back home really were the big troubles. And honestly, maybe if I had been in their shoes, I also understand that point.

But us growing up here, we need to bring about that paradigm shift. We need to understand and educate the people that charity begins in the home. Our Prophet said:

تُؤْخَذُ مِنْ أَغْنِيَائِهِمْ وَتُرَدُّ إِلَى فُقَرَائِهِمْ

(Bukhari)

"You take money from their wealthy, and you give it to their poor."

The same society's poor. You don't export it to Timbuktu. You don't throw it away to another land. You take money from their rich, and give it to their poor.

And of course, the second problem we have really is a lack of education, and a lack of institutions as well. And therefore, on this podium today, being in the presence of so many esteemed people, and especially my Mashayikh and mentors, and Ustaz, I want to simply give a piece of advice and a suggestion that I think that it is high time that we all come together to form some type of national zakat institute.

Call for a National Zakat Institute

A zakat institute for all of North America, where people who are trusted by the community can collect these zakat funds, and then distribute it to the people.

I want to just conclude by pointing out that, you know what, we're probably not going to eliminate poverty in the whole world. In fact, that's one of the signs of the Mahdi, one of the signs of the Day of Judgment, that he's going to do that.

We're probably not going to eliminate poverty in the world, but by striving to battle poverty globally and nationally, we can eliminate the poverty of our own hearts. And we can enrich ourselves with the blessings of Allah.

Conclusion - Quote from Ibn al-Qayyim

I conclude by quoting Ibn al-Qayyim, that famous scholar of our past. Ibn al-Qayyim said that:

"Realize, O giver of charity, realize that you are more in need of Allah accepting your charity than the beggar is of accepting the charity you give him."