OPERATION OF

MUAMALAT MANAGEMENT

Zakat Management

Definition Of Zakat

It is considered to be a personal
responsibility for Muslims to ease
economic hardship for others and
eliminate inequality.
It is obligatory for all who are able to
do so.
Growth (in goodness) or increase,
purifying or making pure of ones
wealth.
3

The Importance of Zakat

One of the five pillar of Islam

1.

2.
3.

4.
5.

Syahadah - is a statement professing monotheism and

accepting Muhammad as God's messenger.
Solat - Pray 5 times a day
ZAKAT- giving is the practice of charitable giving by
Muslims based on accumulated wealth
Sawm / Siyam Fasting in the month of Ramadhan
Hajj - is a pilgrimage that occurs during the Islamic month
of Dhu al-Hijjah to the holy city of Mecca,

Avoid stinginess
Encourage donations
As a mean to express thanks to Allah
Establish sympathy and avoid jealousy
4

CONDITIONS FOR ZAKAT

1.
2.
3.

4.

5.

6.
7.

Islam.
Wise.
Genuinely owned-owners asset or asset
free of claims by others.
Productive assets -capable of generating
profit or revenue and net cash inflows:Cash
in hand,Cash at bank,Stocks, shares, bonds,
and securities,Inventories of finished
goods, Rentals, Net Receivables.
Surplus assets- its value must equal to or
above a minimum zakat-able(nisab).
Full years possession (Haul).
Fullfil the nisab- a given quantity for the
period of an entire year.

People Eligible to pay

Zakat

Muslim
Independent
Absolute ownership
Nisab
Haul
Purpose of business

1.

2.

3.

4.

5.

6.

7.

8.

People Entitle to Receive

Zakat / Benefeciaries of
Zakat
The Needy/ Poor/Fakir / Fuqara
- Income is
less than 50 percent of daily needs.
Miskin (Masakin) - Just sufficient to finance
basic needs.
Amil - The one with authority / responsible
to collect zakat.
Muallaf - Individual who convert to become
Islam.
Fisabilillah - Individual involve with activities
to defend and strengthen Islam.
Ibnu Sabil - Refugees, homeless, Orphanage
Muslim.
Gharmin - Suffered many debt and unable to
settle them.
Riqab Slave, after release from the owner.

Wakaf Management

Definition of Waqaf
Waqaf is implementing an eternal
essence of things to be beneficial, both
to the public (community) or by an
individual
You never get to welfare (perfect),
before you spend some of what you
love. and whatever thing you spend,
Allah knows it
QS. Ali Imran: 92

Waqaf literally means stop, detain or

silent.
From the point of view of sharia, is often
interpreted as a waqf assets allocated for
the benefit of the ummah which
substance substantially retained, while
the benefits may be enjoyed in the public
interest.
10

Waqaf Pillars
1. Wakif :people who make wakaf
Must have Muslim terms, Baligh, intelligent and have the ability
2. Mauquf : objects that made as waqaf
Waqaf object itself is not the object must belong to a loan or debt
3. Nazhir : managing Waqaf
Responsible for maintaining, keeping, and developing waqaf and submit
the results or benefits of waqf endowments to the target.
4. Mauquf upon: receiver waqaf / waqf place
5. Waqaf pronunciation: "I wakafkan my property measuring 2
acres in order to build a mosque on top of it ".

11

Benefits of Wakaf
For recipient (Society)
Can eliminate ignorance
Can reduce poverty
Can reduce social inequalities
Improve the welfare of the
people

12

Haj and Umrah

Management
13

What is Hajj
The Hajj (Arabic: a "pilgrimage") is an annual Islamic pilgrimage
to Mecca, and a mandatory religious duty for Muslims which must be
carried out at least once in lifetime by all adult Muslims who are physically
and financially capable of undertaking the journey, and can support their
family during their absence. It is one of the five pillars of Islam. The Hajj is
a demonstration of the solidarity of the Muslim people, and their
submission to God (Allah). The word Hajj means "to intend a journey"
which connotes both the outward act of a journey and the inward act of
intentions.

14

What is Umrah
The Umrah or (Arabic: )is a pilgrimage to Mecca, Saudi Arabia, performed
by Muslims that can be undertaken at any time of the year. In Arabic, Umrah
means "to visit a populated place". In the Sharia, Umrah means to perform Tawaf
round the Kaaba and Sa'i between Al-Safa and Al-Marwah, after assuming
Ihram (a sacred state), either from a Miqat like Zu 'l-Hulafa, Juhfa, Qarnu 'lManzil, Yalamlam, Zt-i-'Irq, Ibrahm Mursa, or a place in Hill. It is sometimes
called the 'minor pilgrimage' or 'lesser pilgrimage', the Hajj being the 'major'
pilgrimage and which is compulsory for every able-bodied Muslim who can afford
it. The Umrah is not compulsory but highly recommended.

15

2 - Mina - 8
Hajj Summary

1 - Ihraam

th

Assume Ihraam from a Meeqat or your residence

if you are in Makkah
Clean yourself and take a shower
Put on two Ihraam garments & slippers/sandals
Pray two rak'at or a prescribed salaat
Make intention and say "labbayk Allahumma
Hajjaa"
Recite Talbiyah
Go to Mina

Meeqat

Arrive in Mina in the morning

Spend the day and night there
Pray Duhr, Asr, Maghrib, Isha and Fajr
in their time with Qasr
Leave Mina for Arafah after sunrise
(9th)

3 - Day of Arafah - 9th

Arrive in Arafah before or around

Duhr on the 9th
Pray Duhr and Asr combined with
Qasr early in the time of Duhr
Spend the day in supplication and
remembrence of Allah
Leave Arafah for Muzdalifah after
sunset

Mina
4

Arafah

Muzdalifah
3

5
4 - Muzdalifah - 10th

Arrive in Muzdalifah at night

Pray Maghrib and Isha combined with Qasr
Sleep the night until Fajr
Pray Fajr early in its time & then make dhikr
Leave Muzdalifah for Mina shortly before
sunrise

8 - Makkah Last Day

Perform Tawaf al-Wadaa' (farewell

Tawaf)
Make it the last thing you do in Makkah

5 - Mina - 10th

7 - Mina - 11th, 12th & 13th

Spend the days of Tashreeq and

their nights in Mina
Stone the 3 Jamarat every day
between Duhr and Maghrib
You may leave on the 12th after
stoning and before sunrise if you
wish

6 - Makkah - 10th

Proceed to al-Masjid al-Haraam

Perform Tawaf al-Ifaadah
Perform Sa'y
Full taHallul: All restrictions lifted
Go back to Mina

Arrive in Mina in the morning

Go to Jamrat al-Aqabah and stone it with 7
pebbles
Slaughter your animal
Shave or trim off your hair
First taHallul: Take off Ihraam towels. All
restrictions lifted except sexual intercourse
Take a shower and put on normal clothes.
Go to Makkah for Tawaf al-Ifaadah

Pillars of Hajj (Arkan)

P i l la r s o f H a j j
( A rk a n )
1 . IH r a a m
2 . S t a n d in g in A r a f a h ( W u q u f)
3 . T a w a f a l- I fa D a
4 . S a 'y b e tw e e n S a fa & M a r w a

Obligatory Acts of Hajj

(Wajibat)
O b l i g a t o r y A c t s o f H a j j
( W a jib a t )

1 . Ih ra m fro m th e m e e q a t
2 . S ta n d in g in A r a f a h u n til a ft e r s u n s e t
3 . S p e n d o n e n ig h t in M u z d a lifa h ( a fte r A r a fa h )
4 . S ta y o v e r n ig h t in M in a d u r in g th e d a y s o f ta s h r e e q
5 . S to n in g th e J a m a r a t, a n d in o r d e r
6 . S h a v in g h e a d o r c u ttin g h a ir s h o r t ( H a lq o r T a q s e e r )
7 . T a w a a f a l - W a d a a ' ( f a r e w e l l)

Pillars of Umra
P i l l a r s o f 'U m r a
( A rk a n )
1 . IH ra m
2. Tawaaf
3 . S a 'y b e t w e e n S a f a & M a r w a

Obligatory Acts of Umra

O b lig a t o r y A c t s o f U m ra
( W a jib a t )
1 . I H r a m f r o m o u t s id e t h e H a r a m
2 . H a lq o r T a q s e e r

Excellence of Hajj (1)

The

Prophet

(pbuh)

said:

(The

performance of) Umra is an expiation

for the sins committed between it and
the previous Umra; and the reward of
Hajj

Mabrur

(i.e., one

accepted)

is

nothing but Jannah.

:
.
[]

[Bukhari and Muslim].

Narrated Abu Huraira: The Prophet said,
"Whoever performs hajj to this Ka'ba
and does not approach his wife for
sexual relations nor commit sins (while
performing hajj), he will come out as
sinless

as

new-born

delivered by his mother)."

[Bukhari and Muslim]

child,

(just

:
:
] [ .
}
{

Excellence of Umrah
Performing Umrah also protects one
from poverty since they are there solely
for the sake of Allah(SWT) spending their
wealth and time in completing the deed
Like Hajj, the act of Umrah is amongst
the best deeds one can perform when
pleasing Allah (swt). Allah (SWT) loves
those who strive in his path in hopes of
pleasing Him alone and Umrah is an act
in which Allah (SWT) considers the
pilgrim to be answering His call
In the blessed month of Ramadan, the
reward of performing Umrah is equal to
that of performing Hajj with the Prophet
(S)
Another absolutely breathtaking virtue of
Umrah is that if one passes away in their
journey of Umrah, the reward for them is
Jannah.