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OPERATION OF MUAMALAT MANAGEMENT

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Zakat Management

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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 one’s wealth.

Definition Of Zakat

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The Importance of Zakat

One of the five pillar of Islam1. Syahadah - is a statement professing monotheism and

accepting Muhammad as God's messenger.

2. Solat - Pray 5 times a day

3. ZAKAT- giving is the practice of charitable giving by Muslims based on accumulated wealth

4. Sawm / Siyam – Fasting in the month of Ramadhan

5. 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

1. Islam.2. Wise.3. Genuinely owned-owner’s asset or asset

free of claims by others.4. 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.

5. Surplus assets- its value must equal to or above a minimum zakat-able(nisab).

6. Full year’s possession (Haul).7. Fullfil the nisab- a given quantity for the

period of an entire year.

CONDITIONS FOR ZAKAT

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People Eligible to pay Zakat Muslim Independent Absolute ownership Nisab Haul Purpose of business

1. The Needy/ Poor/Fakir / Fuqara’ - Income is less than 50 percent of daily needs.

2. Miskin (Masakin) - Just sufficient to finance basic needs.

3. Amil - The one with authority / responsible to collect zakat.

4. Muallaf - Individual who convert to become Islam.

5. Fisabilillah - Individual involve with activities to defend and strengthen Islam.

6. Ibnu Sabil - Refugees, homeless, Orphanage Muslim.

7. Gharmin - Suffered many debt and unable to settle them.

8. Riqab – Slave, after release from the owner.

People Entitle to Receive Zakat / Benefeciaries of

Zakat

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Wakaf Management

Definition of Waqaf

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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

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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.

Waqaf Pillars

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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 ".

Benefits of Wakaf

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For recipient (Society)

Can eliminate ignorance

Can reduce poverty

Can reduce social inequalities

Improve the welfare of the people

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Haj and Umrah Management

What is Hajj

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The Hajj (Arabic: حج Ḥaǧǧ "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.

What is Umrah

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The Umrah or (Arabic: عمرة) 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 'l-Manāzil, Yalamlam, Zāt-i-'Irq, Ibrahīm Mursīa, 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.

Hajj Summary1 - Ihraam 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

MuzdalifahMina Arafah

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

2Meeqat

2 - Mina - 8th

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)

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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

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5 - Mina - 10th

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

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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

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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

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8 - Makkah – Last Day Perform Tawaf al-Wadaa' (farewell Tawaf) Make it the last thing you do in Makkah

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Pillars of Hajj (Arkan)الحج أركان

1 . IH ra am

2 . S tan d in g in A ra fa h (W u qu f)

3 . T a w a f a l- Ifa D a

4 . S a 'y b e tw e e n S a fa & M arw a

P illa rs o f H a jj( A rkan )

Obligatory Acts of Hajj (Wajibat)

الحج واجبات

1. Ihram from the m eeqat

2. S tanding in A rafah until a fter sunset

3. Spend one n ight in M uzdalifah (after A rafah)

4. S tay overn ight in M ina during the days of tashree q

5. S toning the Jam arat, and in order

6. Shaving head or cutting hair short (H alq or Taqseer)

7. Taw aaf a l-W adaa' (farew ell)

O bligatory Acts of H ajj( W ajibat )

Pillars of Umra

1 . IH ram

2 . Taw aaf

3 . S a 'y b e tw een S a fa & M arw a

P illa rs o f 'U m ra( A rkan )

Obligatory Acts of Umra

1 . IH ra m fro m o u tsid e th e H a ram

2 . H a lq o r T a qse er

O b lig a to ry A c ts o f U m ra( W a jib a t )

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].

الله صلى الله رسول أن هريرة أبي عنقال وسلم العمرة :عليه إلى العمرة

له ليس المبرور والحج بينهما لما كفارة

الجنة إال .جزاء[ البخاري مسلم [و

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 a new-born child, (just

delivered by his mother)."

[Bukhari and Muslim]

: صلى النبي سمعت قال هريرة أبي عن

: يقول سلم و عليه فلم الله حج~ منأمه ولدته كيوم رجع يفسق ولم [ .يرفث

البخاري ] لفظ

مسلم و فلم }لفظ البيت هذا أتى منأمه ولدته كيوم رجع يفسق ولم {يرفث

Excellence of Umrah

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.

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 deedLike 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