In Islam, the concept of Muhsi or Muhsin alms-giver or charitable giving is generally divided into voluntary giving,
ṣadaqah (), and an obligatory practice, the
zakāh ().
Zakāh is governed by a specific set of rules within
Islamic jurisprudence and is intended to fulfill a well-defined set of theological and social requirements.
Ṣadaqah is possibly a better translation of Christian influenced formulations of the notion of "alms" for that reason, though
zakāh plays a much larger role within Islamic charity.
Zakat '' during the
Eid festival in
Chittagong,
Bangladesh. In Islam, almsgiving is often a communal and polity-building practice.
Zakāh is the third of the
five pillars of Islam. The literal meaning of the word
zakāh is "to purify", "to develop" and "cause to grow".
Zakāh is the amount of money that every Muslim, male or female, who is an adult, mentally stable, free, and financially able, has to pay to support specific categories of people. According to
shariah, it is an act of
worship. Possessions are purified by setting aside a proportion for those in need. This cutting back, like the pruning of plants, balances and encourages new growth. Various rules are attached but, in general terms, it is obligatory to give 2.5% of one's savings and business revenue and 5–10% of one's harvest to the poor. Possible recipients include the destitute, the
working poor, those who are unable to pay off their own debts, stranded travelers and others who need assistance, with the general principle of
zakat always being that the rich should pay it to the poor. One of the most important principles of Islam is that all things belong to God and wealth is therefore held by human beings in trust. This category of people is defined in
At-Tawbah: The obligatory nature of
zakat is firmly established in the Qur'an, the
sunnah (or
hadith), and the consensus of the companions and the Muslim scholars. Allah states in
At-Tawbah: Muslims of each era have agreed upon the obligatory nature of paying
zakat from their gold and silver, and from other kinds of currency.
Nisab Zakat is obligatory when a certain amount of money, called the
nisab (or minimum amount), is reached or exceeded. Zakat is not obligatory if the amount owned is less than this
nisab. The
nisab of gold and golden currency is 20
mithqal, or approximately 85 grams of pure gold. One
mithqal is approximately 4.25 grams. The
nisab of silver and silver currency is 200 dirhams, which is approximately 595 grams of pure silver. The
nisab of other kinds of money and currency is to be scaled to that of gold; the
nisab of money is equivalent to the price of 85 grams of 999-type (pure) gold on the day in which
zakat is paid.
Zakat is obligatory after the money has been in the control of its owner for the span of one lunar year; a lunar year is approximately 355 days. The owner then needs to pay 2.5% (or 1/40) of the money as
zakat. The owner should deduct any amount of money he or she borrowed from others, check if the rest reaches the necessary
nisab, then pay
zakat for it. If the owner had enough money to satisfy the
nisab at the beginning of the year, but his wealth in any form increased, the owner needs to add the increase to the
nisab amount owned at the beginning of the year and then pay
zakat, 2.5%, of the total at the end of the lunar year. There are minor differences between
fiqh schools on how this is to be calculated. Each Muslim calculates his or her own
zakat individually. For most purposes, this involves the payment each year of two and a half percent of one's capital.
Sadaqah A pious person may also give alms as much as he or she pleases as
ṣadaqah, and does so preferably in secret. Although this word can be translated as 'voluntary charity', it has a wider meaning, as illustrated in the
hadiths: == Judaism ==