In the company where I work, there is a fund for employees into which a portion of their salaries is deposited. I have accumulated approximately five hundred dinars in this fund. Is it
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The questioner : I am an uneducated, common man.
The Shaykh: Go ahead.
The questioner : Regarding the zakah, regarding the zakah.
The Shaykh : Yes.
The questioner : I am a participant in the company’s fund, which they call the employees’ fund.
The Shaykh : Yes.
The questioner : This fund may contain four hundred, five hundred, or six hundred [dinars] for me.
The Shaykh : Yes.
The questioner : When I leave, they give me this amount; it is called savings.
The Shaykh : Yes.
The questioner : Zakah is due on these.
The Shaykh : These have been saved over the course of years.
The questioner : That is, every month we deposit five, and the company deposits five more for us.
The Shaykh : No, answer the question after you understand it.
The questioner : Yes.
The Shaykh : The four hundred you mentioned that have accumulated over the years.
The questioner: Yes.
The Shaykh : This is the answer.
The questioner : Yes, sir.
The Shaykh : Okay, and do they pay them to you whenever you request them, or do they not pay them to you?
The questioner : They do not pay them to me unless I leave, or I write a letter, or I sever the fund from me.
The Shaykh : Yes, and when you submit the request.
The questioner : They sever it.
The Shaykh : They sever it; the point is, they do not give you this money here.
The questioner : Ah, they give it to me.
The Shaykh : They give it to you, certainly.
The questioner : Certainly.
The Shaykh : Ah, good. Now listen to what I say.
The questioner: Go ahead.
The Shaykh : If this money, in the first month, for example, or the second month, or the third month, has not reached the Shari'ah nisab—the Shari'ah nisab is seven hundred or eight hundred dinars; this amount varies due to the rise and fall in the value of gold—then if the total amount of money reaches the nisab, let us suppose it reaches the nisab after one year, then the ruling of zakah applies after that year. You have the choice: if you wish, once the total amount in the fund in your name reaches the nisab, you have the choice either to pay the zakah on the total amount present in the fund in your name for each year, or to wait until you receive this money in the manner you described, and then pay the zakah for all the years.
The questioner : I pay for all the years.
The Shaykh : Yes.
The questioner : Okay, if it has not reached [the nisab], meaning when I put in five dinars, sixty dinars come out for me in the year.
The Shaykh : Leave the calculations for now. Did you understand what I am saying?
The questioner : By Allah, if it has
The Shaykh : reached the nisab, the nisab is approximately seven hundred or eight hundred dinars.
The questioner : Seven hundred or eight hundred.
The Shaykh : Ah, so if this total amount in the fund in your name reaches [the nisab], then the zakah begins.
The questioner : The zakah begins.
The Shaykh : If it has not reached this nisab, there is no zakah on it.
The questioner : Once the nisab is reached, the zakah is due on it.
The Shaykh : Yes.
The questioner : Understood.
The Shaykh: Is it clear?
The questioner : Clear. How many grams does this come to, sir?
The Shaykh : You ask about the gold or
The questioner : No, how many grams do we have... meaning, how many grams until it reaches the nisab.
The Shaykh : Ten Saudi or English gold pounds.
The questioner : Ten gold pieces.
The Shaykh : Yes, that is right.
The questioner : Saudi or English.
The Shaykh : Yes, because these go up and down, as I told you.
The questioner : I mean, approximately how many Shari'ah grams.
The Shaykh : I will not mention it now, my brother.
The questioner : Thank you.
The Shaykh : You are welcome.
The questioner : Okay, my Shaykh, this person has money other than these.
The Shaykh : He includes them, of course.
The Shaykh: Go ahead.
The questioner : Regarding the zakah, regarding the zakah.
The Shaykh : Yes.
The questioner : I am a participant in the company’s fund, which they call the employees’ fund.
The Shaykh : Yes.
The questioner : This fund may contain four hundred, five hundred, or six hundred [dinars] for me.
The Shaykh : Yes.
The questioner : When I leave, they give me this amount; it is called savings.
The Shaykh : Yes.
The questioner : Zakah is due on these.
The Shaykh : These have been saved over the course of years.
The questioner : That is, every month we deposit five, and the company deposits five more for us.
The Shaykh : No, answer the question after you understand it.
The questioner : Yes.
The Shaykh : The four hundred you mentioned that have accumulated over the years.
The questioner: Yes.
The Shaykh : This is the answer.
The questioner : Yes, sir.
The Shaykh : Okay, and do they pay them to you whenever you request them, or do they not pay them to you?
The questioner : They do not pay them to me unless I leave, or I write a letter, or I sever the fund from me.
The Shaykh : Yes, and when you submit the request.
The questioner : They sever it.
The Shaykh : They sever it; the point is, they do not give you this money here.
The questioner : Ah, they give it to me.
The Shaykh : They give it to you, certainly.
The questioner : Certainly.
The Shaykh : Ah, good. Now listen to what I say.
The questioner: Go ahead.
The Shaykh : If this money, in the first month, for example, or the second month, or the third month, has not reached the Shari'ah nisab—the Shari'ah nisab is seven hundred or eight hundred dinars; this amount varies due to the rise and fall in the value of gold—then if the total amount of money reaches the nisab, let us suppose it reaches the nisab after one year, then the ruling of zakah applies after that year. You have the choice: if you wish, once the total amount in the fund in your name reaches the nisab, you have the choice either to pay the zakah on the total amount present in the fund in your name for each year, or to wait until you receive this money in the manner you described, and then pay the zakah for all the years.
The questioner : I pay for all the years.
The Shaykh : Yes.
The questioner : Okay, if it has not reached [the nisab], meaning when I put in five dinars, sixty dinars come out for me in the year.
The Shaykh : Leave the calculations for now. Did you understand what I am saying?
The questioner : By Allah, if it has
The Shaykh : reached the nisab, the nisab is approximately seven hundred or eight hundred dinars.
The questioner : Seven hundred or eight hundred.
The Shaykh : Ah, so if this total amount in the fund in your name reaches [the nisab], then the zakah begins.
The questioner : The zakah begins.
The Shaykh : If it has not reached this nisab, there is no zakah on it.
The questioner : Once the nisab is reached, the zakah is due on it.
The Shaykh : Yes.
The questioner : Understood.
The Shaykh: Is it clear?
The questioner : Clear. How many grams does this come to, sir?
The Shaykh : You ask about the gold or
The questioner : No, how many grams do we have... meaning, how many grams until it reaches the nisab.
The Shaykh : Ten Saudi or English gold pounds.
The questioner : Ten gold pieces.
The Shaykh : Yes, that is right.
The questioner : Saudi or English.
The Shaykh : Yes, because these go up and down, as I told you.
The questioner : I mean, approximately how many Shari'ah grams.
The Shaykh : I will not mention it now, my brother.
The questioner : Thank you.
The Shaykh : You are welcome.
The questioner : Okay, my Shaykh, this person has money other than these.
The Shaykh : He includes them, of course.
Source
www.al-albany.com
The Arabic text is copied verbatim from the original source, without any edits.