Note: Please bear with me as this post will be a bit lengthy. I've drafted a rough version before writing, summarized it considerably, but it's still expected to be somewhat extensive.
This is NOT a plea for charity or funds. Instead, I'm sharing my perspective on charity within the context of my beliefs. I respect that everyone has their own values, and I'm not imposing mine on you.
For those familiar with my posts or those who have come across a few, it may be known that I am a Muslim hailing from Pakistan. With the holy month of Ramadan (Islamic month) just around the corner, during which we fast for a whole lunar month from dawn to dusk, there is one more thing that many of us prioritize highly, and that is charity. In my religion, there are two types of charity:
- Zakat (obligatory/ compulsory)
- Sadaqah (voluntary/ highly encouraged)
Zakat is a mandatory form of charity for people who have a minimum amount (nisab) of wealth saved up at the end of a year. The amount due is 2.5% of one's acquired wealth. The minimum amount (nisab) one must have before one becomes liable to do Zakat should be worth 3 ounces of Gold or 21 ounces of Silver or their equivalent in cash. Hence, the nisab of Zakat is a fundamental concept in Islamic law, determining the minimum wealth threshold subject to Zakat.
Similarly Agricultural produce is subject to Zakat when the yield surpasses a specified threshold, usually after deducting expenses. Zakat on livestock applies when you own a certain number of specific types of animals.
If one's wealth surpasses these thresholds, Zakat is obligatory. This ensures clarity on the minimum wealth required for Zakat obligations.
Sadaqah: Unlike Zakat, Sadaqah is a voluntary form of charity that anyone can be eligible for. Sadaqah is an intentional deed, which everyone must carry out no matter what their social status. It has no fixed limits, allowing individuals to give as much as they are willing to support those in need. It is considered a compassionate and virtuous practice in Islam.
Indeed, acts of giving can extend beyond the physical or monetary aspects and include generosity, love, compassion, or faith. Simple gestures like a smile or lending a helping hand are considered acts of Sadaqah. Even assisting someone in the kitchen when they are in need is viewed as a form of Sadaqah.
My perspective towards this obligation:
I usually calculate Zakat at the beginning of Ramadan, considering all the money in my savings not allocated for expenses. I also include the value of any relevant jewelry or items in the house. After totaling everything, I multiply it by 0.025 to determine my Zakat baseline.
The jewellery, a gift from my parents on my wedding, is eligible for Zakat. I sold a portion of it a few years back when I couldn't afford the Zakat payable on it due to the increasing value of gold. However, I still have some where the nisab is applicable. After this morning's calculation, my Zakat amounts to around $300. Thankfully, I have already paid a significant portion of this amount.
The gold is in my possession, so I am required to pay Zakat on it. Since my husband is the primary earner, I pay Zakat from my savings, which is the amount he provides me for personal use. I save from it and pay Zakat, but occasionally, I may not have the full amount. In such cases, my husband covers it on my behalf.
You could say that our finances are not separate, and I agree. However, from day 1, my husband made it clear that I should feel a sense of responsibility towards this because, at the end of the day, it's my possession. Additionally, to instill a habit of giving charity, he firmly emphasized that calculating and prioritizing Zakat should be on my list of responsibilities.
Let me share a personal fact: my husband works in a government facility, and the area where we currently reside is quite remote, far from the main cities. The population here mainly consists of underprivileged people. There are no industries whatsoever, and they primarily depend on the people living in our facility for their small businesses and labor. The level of poverty in the general population here is unimaginable. People are living below the poverty line, and every month, individuals who aren't beggars find themselves compelled to seek help. The reasons range from medical issues to weddings of their children, sisters, or brothers.
The majority, or you could say all, of my charity and Zakat goes to these people. Despite that, there are still many whom I can't help. In such cases, I reach out to my parents and my husband's parents, asking if they can assist. Occasionally, I have to approach other relatives as well, seeking their support in providing Zakat or charity for these deserving individuals.
These individuals are in our direct contact, and we are certain of their deserving situations. Believe it or not, there have been instances where someone came to our home in dire need because they had nowhere else to turn. One such case involved a man whose wife was in labor and urgently needed funds for a C-section. We couldn't turn down the request and provided him with every spare amount of money that we had. Although it was not "spare" money. But yes, it had to be given.
I'm not implying that we are the sole contributors to charity. Instead, I believe there are individuals in our community who undoubtedly do a lot more than us. Despite their efforts, there remains a significant number of people who are always in need.
Welcome to the challenges faced by populations like ours, where issues of poverty are pervasive! It's indeed disheartening whenever I have to acknowledge the state of affairs. Hopefully, one day, those in the upper tiers (people in power who misuse the assets of the state) will cease corruption and address the various factors contributing to such sad affairs in the lowest tiers. However, that's a debate for another day. I can only hope and pray, and meanwhile, continue doing whatever I can within my limited resources.
It's heartwarming to see several projects and fundraising campaigns here on Steemit. They connect us with humanity and the concept of compassion. However, I may not be able to contribute to them at the moment because, for me, those whom I am directly in contact with are the most deserving of support. I am answerable for them first and foremost. Some of these individuals are gentlemen and ladies from the lowest middle class who can't even bring themselves to ask for help as it truly hurts their self-respect. It's really disheartening. We sometimes have to look out for these kinds of people. They would not readily accept help, so we have to devise a way to assist them without making them feel obliged to pay back.
I penned down every word with the hope of inspiring someone and to share my beliefs with you. It's not meant to imply that my actions are superior to anyone else's, as honestly, they're not. I acknowledge that I fall short in fulfilling the level of goodness required. Perhaps, one day, I'll achieve that. I'm striving towards that path.
Thank you for taking the time to read this. Wishing a profoundly blessed Ramadan to those embracing fasting and to everyone. May we all evolve into better, more compassionate human beings.
Yours,
@soulfuldreamer
I think the fact that you took the time and trouble to explain all of this to us, already speaks volumes for the type of person that you are - because you really did not need to.
Sadaqah as you have explained it is a voluntary act and that should never be tied to feelings of any kind of guilt or obligation and considering you as a culture already have an obligatory form of charity over and above that - is even less reason why you should feel bad for making the prioritization that you do.
I am not saying that you "do feel bad" or "guilty" or whatever - I am just saying you shouldn't... and also, please don't!
Also, I feel like selfless giving is a very personal thing. Whoever or whatever it is that you give to, should be something that feels right... for you, as an individual.
Personal circumstance (much like you have explained yours) is also a massive factor - especially in situations like here on Steemit. None of us know just "how much" each individual relies on what they have here so nobody should ever looked down upon, frown at or judge another for the decisions or choices in that regard.
Nonetheless, it was really nice to learn a little something more about you as well as your culture and traditions @soulfuldreamer - and beautifully written - as always.
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Thank you so much for taking the time to read this rather lengthy post. I'm always skeptical when writing long pieces, trying not to bore readers. Despite that, I don't see myself as a good writer like you. (Honest acknowledgement really, I'm not downplaying or anything)
Your words are truly comforting, and I understand the implied message. I just felt the need to share, and it took me three days to carefully edit and reedit, ensuring I conveyed exactly what I intended without any misunderstanding.
You seem to have captured it all perfectly. I'm incredibly thankful for your insight; it's like you've read my most vulnerable thoughts. I'm still wondering how you managed that.
Love and hugs
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HAHAHAHAHA!!!! Have you seen my blog?! lol - I don;t know how to write a short post honey, so you are preaching to the converted, hehehe!
I will attempt to accept that compliment gracefully @soulfuldreamer. Though that has never really been my strong point - I do appreciate it very much... and will just add that you are a wonderful writer - the end.
You are particularly good at that! <3
Always a pleasure!
I quite like reading between the lines myself. ;)
Have a lovely Tuesday sweet soul!
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You are love 😘
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You have a big heart.
It will never happen on its own. People in power these days have no conscience. With few exceptions. But exceptions only confirm the general rule.
Hence poverty, disease and war. They're all ways to make more money and more power.
But the world is still held together by people like you.)
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Not as big as my husband's, at least. He is the one I look up to. I have seen him forgoing his needs for others. He may not be my hero, but he definitely is a role model when it comes to certain things. Thank God he doesn't read my posts 😉
You have a good heart yourself :)
Thank you for stopping by. Your words mean a lot really.
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My words are completely sincere :)
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We also have two types of donations, if you like: one you make to "official" institutions, charitable organisations etc. in return for a receipt, and you can then deduct the amount from your tax bill. In other words, you benefit from it. I've never done it that way, I think it's daft. Only a very small percentage of the donations go to where the money is really needed... Or you can get involved directly - with projects that touch or concern you, with people you experience at first hand. I did voluntary work helping the homeless - it wasn't nice and it wasn't easy, but it was important and the right thing to do.
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I'm sure it must not have been easy. It's never easy. Hats off to you for undertaking this.
These gestures reflect our humanity on so many levels.
Thank you for sharing the dynamics of your society and your honest comment.
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Ah, thank you very much, the explanation of the difference between zakat and sadaqah is very interesting!
Is there an "authority" that controls the zakat donation? Or is it an agreement between God, the prophets and the believing Muslims?
We have the church tax, which is deducted directly from the salary of Christians belonging to the church community (so it is a combination of state and church, which is also calculated as a percentage of your property...). This is used to keep the church buildings intact, pay the priests, finance kindergartens... For the really poor and needy, you "have" to donate voluntarily to certain projects.
I am a devout Christian, but I no longer belong to the institution of the church (a lot of Germans have left this "organisation"). I can believe in God, my "saints" and my values without belonging to the institution. Besides, I can decide for myself who receives my donations and why. Those are quite generous in some situation and exceed the amount I would have to pay in church taxes every year. But that's something I don't like to talk about at all (neither about my donations in real life with "real money" nor what I give and do on the Steem (which sometimes even overlap). My principle here is a Christian one: Do good and don't talk about it! That means: Give altruistically. Expect nothing. Be happy about "the return favour" in the form of a thank you or a smile.
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No, not really. It's an agreement between us and Allah (God). And honesty is the basic parameter. You have to be honest in calculating your assets, and then giving the due amount. It's all between you and Him.
Although there are instances when people don't give directly and instead choose to donate to institutions who then handle the funds. There are some laws about it. I'm really not qualified or well-versed enough.
However, we always prefer to give directly to anyone who may need it. If we feel we are under no obligation to distribute it widely, for example, I can allocate my entire zakat money to one needy family or person. The law or state has no control over it.
Taxes are another story!
That sounds like a very nice approach.
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Ah, that's what I thought.
It would be so nice if every person - whether Muslim, Christian, Buddhist, Jew... or non-religious - adhered to this principle. An almost unimaginable world, isn't it?
Taxes are always a long story... ;-)
But do you have a "religion tax"? Something to maintain the mosques and pay the imam and the Koran schools?
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No, we don't have a religion tax.
Mosques, imams, or Quran schools are generally funded by their respective communities, or anyone for that purpose. However, there can be some preferences in this regard. We do have sects; however, the concept of sects is generally discouraged in Islam.
Zakat can be given to them as well. There are no state-run mosques or Quran schools, at least not to my knowledge.
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Thanks for sharing such awesome content
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HAVE AN AMAZING DAY!
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Thank you for the support ☺️
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This is such an informative and inspirational post beautifully penned down by a person with great heart.
This system of wealth regulation is perfect. I often think, only if people start giving the due zakat, poverty can significantly be reduced.
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Thank you for your words... The part about a great heart—well, thank you for thinking like this. I'm humbled.
100 percent. Only if executed with utmost honestly.
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