Know Your Deen

Islamic QA for North America

March 13, 2025
by Ml. Muhammed Shoayb
0 comments

‘Saying no to zakah business’

Q: My families yearly zakah is about $200 000, I lose about 20-40% in transaction costs when giving through organizations. We do not wish to pay for zakah ‘collectors’ hotel stays, rental car fees, them sending 3 paid employees to pick up the check because they have internal trust issues and give us free lunches and gifts from them for the zakah and sadaqah money we give them. My son and daughter want to know, does one have to pay zakah asap when due? Can our family form an NGO like situation and donate to it, take tax benefits and distribute it towards the poor and give the poor their full due? Sayingnotozakahbussines

A: One can pay their zakah over a period of time, more so if one cannot find a poor person immediately. To delay unnecessarily is to deprive the poor of their rights.

Yes, one can take tax benefits for their contributions. The tax benefit is not related to zakah, these two are separate transactions.

One can form an organization and give their personal zakah to the newly created organization to distribute to the poor as per rules of religion while also following the law of the land. If this what you choose to do, you can keep your zakah money aside, form your organization, deposit the money into the organization and then distribute it as soon as possible.

Allah Certainly Knows Best.

March 12, 2025
by Ml. Muhammed Shoayb
0 comments

501(c) does not always mean zakah eligible

Q: Can Zakah money be used to build wells? THe organization is 501(c) (name withheld)

A: Walaikumsalam,

I am very happy to hear from you. May Allah (SWT) make more people want to do good things like this, InshaAllah.

Zakah must be given to an eligible individual who takes full ownership of it. Therefore, it cannot be directly used for building mosques, boreholes, or similar projects.
However, if a person qualifies for zakah, they may receive the funds and choose to spend them on a borehole project if they wish. It is essential that no conditions are placed on the recipient regarding how they use the funds. Some zakah organizations follow this approach by first distributing the money to a needy person, who then voluntarily decides to contribute to a borehole. This method ensures the zakah remains valid while still supporting such initiatives.
Ultimately, the recipient must have full discretion and no pressure placed over how they use their zakah. They must be in no obligation to spend it on a particular cause.

If Allah (SWT) has blessed you with extra money, build the well as a Sadaqah Jariya. This would be greatly rewarding as well.

Allah Certainly Knows Best.

March 11, 2025
by Ml. Muhammed Shoayb
0 comments

Don’t be seeing flying monkeys!

Question: Asalamualikum, Is there anything objectionable about the following carpet depiction. Jazakallah Khair.

Answer: Walaikumsalam,

The image of the masjid carpet that has been shared is not objectionable.

For knowledge purposes, it is beneficial to elaborate further. This topic frequently arises, especially as more masjids are being established – making it important to clarify misunderstandings and provide balanced response.

The issue surrounding carpets with designs in a masjid setting encompasses multiple layers of concern and often leads to confusion. Much of this confusion stems from cultural spheres. This is particularly evident when distinguishing between two scenarios. First, there is the concern of praying towards an animate object or a fixed image, which is explicitly discouraged and in certain exceptional cases could render the prayer invalid. Second, there is the issue of praying on a carpet with abstract or ambiguous designs which is often confused with the former. However, the matter of abstract designs on carpets is more nuanced.

This is where it may all start for some: In the case of a carpet with designs that are not clearly defined or fixed, the ambiguity of these patterns sometimes evoke the appearance of recognizable objects to the observer. This phenomenon is often influenced by internal biases, where the mind subconsciously creates associations, even when no explicit image is present. While such designs do not inherently depict idols or animate objects, the mind’s interpretation of abstract patterns may cause distraction, potentially shifting focus away from worship. However, this does not mean that designs on carpets are inherently forbidden. However, it has lead scholars to the following:

As a recommendation, it has been mentioned that ‘busy’ designs should be avoided due to their potential to create distractions for the worshipper. However, just because something may momentarily divert attention does not mean it must be prohibited. Worshippers should strive to strengthen their concentration and develop a greater sense of focus in prayer. The reality is that most masjids already have carpets with some form of design. It would be impractical to mandate the removal of all such carpets. A more balanced recommendation would be that when current carpets wear out, they can be replaced with simpler designs if the masjid has a ‘busy design’ that continues to maintain beauty for visitors while minimizing potential distractions. After all, masjids should be made appealing, as their aesthetics can serve as a form of dawah, drawing people into a welcoming and inspiring environment.

There is nothing objectionable about carpets featuring non-animate designs, such as geometric patterns, calligraphy, or representations of sacred places like the Kabah, etc. However, many individuals frown upon any form of imagery within a masjid setting. This often stems from strict environments they have been part of or from genuine misinformation. Thus, it is important to clarify the distinction between prohibited images and permissible non-distracting decorative elements.

The place where misunderstanding originated for lay people: The following Hadith can bring things into better perspective. Imam Bukhari and Imam Muslim narrate from Aishah (RA) that Rasool (SAW) performed salah in a black cloak with markings which caught His  (SAW) attention during prayer. After finishing, he said: Take this cloak to Abu-Jahm ibn Hudhayfah and bring me his plain garment, for they (this cloak) distracted me when I was praying. This narration highlights that distraction is the central concern rather than an inherent prohibition of designs themselves. For clarity,  Rasool (SAW) was not objecting to the presence of markings on the cloak, rather its potential impact on the concentration aspect during prayer.

Worshippers should focus on cultivating khushu (spiritually based concentration) in their prayers rather than seeking to eliminate every possible external distraction. While it is wise to gradually transition towards simpler carpets in masjids, this should be done thoughtfully, ensuring that the environment remains welcoming and aesthetically pleasing.

Regarding the picture you have sent, we do not see anything objectionable about it.

Allah Certainly Knows Best.

March 11, 2025
by Ml. Muhammed Shoayb
0 comments

zakat on shipment

Question: I have a shipment coming from china, is zakah due on it? It’s not in my possession, it’s still in the waters.
Answer:
Possession for Zakah on business inventory is not just about physical possession, but also ownership and control over the asset.
-If you have paid for the goods and the seller has released it,  then who does it belong to? Obviously you. Thus, even if the shipment is still in transit or at customs, you are still the rightful owner of it.
-Since ownership is legally transferred to you, it is part of your zakatable business assets.
-If the goods are on credit, Zakah is still due on the portion you own. Immediate debts can be deducted from your zakatable wealth. If ownership has not yet transferred, meaning it still belongs to the supplier, then there will be no Zakah on it as of yet. If you have not taken ownership (e.g., supplier still has full control), it is not considered your asset yet, thus no zakah.

Take note of these points:
-Zakah is due based on ownership and control of an asset, not just physical possession.
-If the shipment is delayed, in transit, or at customs, but you already own it, then it’s part of your zakatable inventory.
-If ownership has not been transferred, you do not count it as of yet.

Allah Certainly Knows Best.

P.s. If ownership has transferred but customs would not release it and the wait is beyond what is normal for that given period in time, the above answer may change.

March 11, 2025
by Ml. Muhammed Shoayb
0 comments

Quranic arabic vs Everyday style

Q: Asalamualikum, In ref to 16:103, does this mean that Mohammad (SAW) spoke a different language/dilect than the Arabic form in which the Quran was revealed?
A: Walaikumsalam,
Rasoolﷺ and the Quraysh both spoke Arabic and the Quran was revealed in Arabic as well. However, Quranic Arabic was revealed in Fusha (Classical Arabic)—a refined, eloquent and inimitable linguistic form that was was not part of everyday dialects spoken by the Arabs, including the Quraysh.
While the dialect of the Quran may appear to be Qurayshi, its dialectical perfection, grammatical structure, literary style and depth of expression were far superior to that of common speech. This is why the Quran and Hadith often sound different. Hadith reflects the Prophet ﷺ’s spoken language, whereas the Quran is Divine speech. Some Hadith, like Hadith Qudsi also contain revealed words from Allah (SWT) but are distinct from the Quran in authority and style.
A useful comparison would be Queen’s English versus conversational English—both belong to the same language but differ in formality, precision and literary quality. The key difference, however, is that the Quran’s distinction is not human-made; it is Divinely inspired, making the gap between it and ordinary speech far greater than human linguistic comparison.

Allah Certainly Knows Best.

March 10, 2025
by Ml. Muhammed Shoayb
0 comments

Loan and equity are not the same

Q: I lost everything due to fires, a friend offered me funding to restart my business, in exchange he wants a 20% equity stake. Can I accept this deal under Islamic principles? Is it halal? He said its better I take the loan from him than the bank. Waiting for your response.
A: May (SWT_ make it easy for you and your family, Ameen.

If your friend is investing as a partner (aka: Musharakah) sharing in both profits and losses, it is halal. If it’s a loan with a fixed 20% return, it is haram due to Riba.
Who is it that will lend to Allah a goodly loan so that He may multiply it for him many times over? And it is Allah who withholds and grants abundance, and to Him you will be returned. (Quran)
Allah Certainly Knows Best.

March 10, 2025
by Ml. Muhammed Shoayb
0 comments

Mental illness and Nikah

Q: Must a potential spouse inform his potential partner that they have a mental illness? Many people are concealing this fault. Or if a person has serious chemical imbalances that affect mood and can make a person go into rage if meds not used. Jazakallah
A: Marriage is not something a person does for a day or two. Thus, honesty and transparency remain as one of the fundamental principles in marriage. Concealing a significant issue like mental illness before marriage is deception, Rasool (SAW) said: Whoever deceives us is not one of us.
Marriage is also a religious and sacred form of worship known as Nikah and both parties must enter it with full knowledge of matters that could significantly impact their lives together. Mental illness is not a reason to prevent marriage, but it is something that should be discussed so both spouses can make informed decisions and prepare for any challenges.
Islam also emphasizes compassion and understanding. If the illness is manageable and does not significantly affect the marriage, there is room for discretion. If the condition is severe and could impact the spouse’s rights and/or well-being, withholding such information could be considered deceitful. In either case, be it a severe illness or one that can be managed, it should be conveyed to the potential partner.

Allah Certainly Knows Best.

Please contact your local group of scholars for further insight on this matter.

March 9, 2025
by Ml. Muhammed Shoayb
0 comments

Debt and death

Q: If I own a home and lets say i owe 100K on it and i die, who takes over the debt? Do the inheritors take it over? What is the sequence to occur on this matter?

A: May Allah (SWT) grant you a long life, InshaAllah, ameen.

Wealth comes with responsibilities. If a person is leaving behind a possible debt and has inheritors, here is the manner it can resolved as per Islam:

1) The first obligation after a person passes away is to settle debts using their remaining wealth before any inheritance is distributed. This means that debts must be cleared before heirs receive their shares. 

2. If the deceased left behind enough wealth, the debt should be repaid immediately from that wealth. Any remaining amount after paying debts and funeral expenses is distributed to the heirs.

3. If the deceased’s estate does not have enough money to cover the full $50K loan, then:
a) The heirs are not personally liable. The children, spouse, or relatives are not obligated to pay the debt from their own money. However, if they choose to voluntarily pay it, this is highly rewarded and recommended in Islam. Rasool (SAW) ﷺ said: The believer’s soul remains suspended by his debt until it is paid off. This means the soul is awaiting settlement of debts before full accountability takes place.
b) If the creditor forgives the debt, the deceased is freed from it. Encouraging creditors to forgive debts is a great act of charity (sadaqah) in Islam.

4. If the estate is insufficient and no one pays, the debt remains unpaid in this world. The creditor may seek justice from the deceased’s good deeds unless Allah (SWT) grants forgiveness. As Rasool (SAW) said: Whoever dies and still owes a debt, it will be repaid from his good deeds, for there will be no dinar or dirham there (to assist or bail out a person.)

Allah Certainly Knows Best.

March 8, 2025
by Ml. Muhammed Shoayb
0 comments

zakah is to purify!

Question: Asa: can you make the zakat issue less complicated. We have 401k matters, now this DCPP case, how do we know if we give zakat or not. What are the underlying trigger points to give zakat. No body gives a str8 answer. When I call  (name of zakah foundation withheld by this website) they say to give full amount on everything, they doubled my zakah giving. Poor are poor bhai I cannot become poor because they are poor. You made it less complicated but bhai I am still confused. But I liked you answer more. Alhamdulillah you are clearer. So lets put this issue to rest. WHAT ARE THE UNDERLYING TRIGGER POINTS BASED ON HANAFEE MADHAB TO GIVE ZAKAH. JAZAKALLAH

Answer: Walaikumsalam: May Allah (SWT) reward you for your patience and sincere concern concerning Zakah. I completely understand your frustration and I appreciate benefiting form this platform. Let me make this straightforward as possible.

Underlying Trigger Points for Zakah (Hanafi Madhab)

In the Hanafi school, Zakah becomes obligatory when the following conditions are met:

  1. Ownership & Accessibility – You must fully own the asset and have control over it. If an asset is inaccessible Zakah is not due until it becomes accessible. Example: you inherit 100K, however, they do not give you access to it, they tell you that you would only get it in 10 years, while you are waiting, you would not pay zakah ever on that amount, once you get it, from then on, if you eligible to give zakah, you would give on it. Why? Because in this scenario you do not have access or direct ownership to any of it!
  2. Nisab Threshold – Your Zakatable wealth (gold, silver, cash, business assets, and investments) must meet or exceed the Nisab threshold, For example, if you have:
    • 87.48 grams of gold (~3 ounces) or
    • 612.36 grams of silver (~21.6 ounces)
    • Cash, investments, and business inventory
    • (Generally, having silver would be a trigger for you to give zakah, for silver has gone up in value in recent years compared to older ruling that ignored silve and only focused on gold.)
  3. One Lunar Year (Hawlan al Hawl) – Zakah is due if you maintain Nisab-level wealth for an entire lunar year. Every year this amount changes, so keep up with this new information. Let say you had nisab at it was $X at first of ramadaan, even though it went to zero (or $100 million), however, on the first of Ramadan of the following year you only had $X + $999, you will only give zakah on this total amount that you have.
  4. Debt Consideration – If you have immediate due debts, they can be deducted from your total assets before calculating Zakah. For example, you owe a friend $1000 and payments are not fixed and he can ask you for it at any time, this is what is refered to an immediate debt. However, long-term debts (e.g., mortgages with monthly payments) do not exempt you from Zakah, as only immediate debts are deducted.

How This Applies to 401(k) & DCPP

  • 401(k) & DCPP Before Withdrawal: If your plan has employee contributions that you own (even if penalties apply for early withdrawal), then you must pay Zakah on the portion you control and will have access to after all consequences. Simply put, what ever amount you can get in your ‘hands, from that amount’ you give zakah on that. So lets say you have 100K, after penalties, taxes, other costs associated with it, you only would be able to get 40K in hand, than zakah is only due on 40K.
  • 401(k) & DCPP After Withdrawal/Retirement: Once the funds are accessible, Zakah is due annually on the entire amount if it meets Nisab. If you cannot access it prior to retirement, no zakah is due until you ‘get it in your hand.’
  • If you have a DCPP account that you have full access of and control of, than naturally zakah becomes obligatory, and the amount would be in this case, the amount after penalties, taxes, etc, if they apply.

Final word:

  • If you own and control and naturally have access to the funds → Zakah is due.
  • If you cannot access not control them, even if they tell you own itNo Zakah until accessible.

Allah Certainly Knows Best.

P.s. Please take the above to someone you trust and they can make it clear for you. However, i think the above is clear as daylight.

March 6, 2025
by Ml. Muhammed Shoayb
0 comments

Defined Contribution Pension Plan (DCPP) and zakah

Question:
Is Zakah due on funds held in a Defined Contribution Pension Plan (DCPP) if the money is locked within the account and the account holder cannot withdraw the money before retirement?

Answer:

A Defined Contribution Pension Plan (DCPP) is a retirement savings plan wherein contributions are made by the employer and/or employee, however the contributed funds are locked and cannot be accessed until retirement. If such is the case, let us continue:

Based on the principles of Zakah, the following are improtant:

1) Ownership and Accessibility: Zakah is only obligatory on assets that an individual fully owns and can freely access. If one has money in an account and only has access to 80% of it, then zakah will only be on that 80% the individual has access to. One will only give zakah on what they have free access to.

In the case of a DCPP account, the account holder owns the funds but cannot withdraw the funds until a specific retirement age. Thus, due to the owner not being an owner in the traditional sense of ownership of having free access, due to this limitation, they do not become eligible to give zakah on monies in the DCPP account. Likewise, wealth that is inaccessible due to restrictions beyond one’s control, such as unpaid wages, frozen assets, inheritance that is not released to its rightful owners, etc. will not have zakah due on it. (However, if this not the case for the inquirer, than they will only give zakah on the amount they have access to.)

Ruling on Inaccessible Wealth: Since the funds are inaccessible before retirement, they are not subject to Zakah annually.

Zakah Upon Withdrawal: Once the individual reaches retirement age and can access the funds, Zakah becomes obligatory only on the amount in their possession if it meets the nisab (the minimum Zakah threshold).

If the individual withdraws a lump sum, they must pay Zakah on the entire amount if it remains in their possession for a lunar year. If they receive monthly pension payments, Zakah is due only on the remaining amount at the end of the Zakah year.

May Allah (SWT) bless you for wanting to do the right thing.

Allah Certainly Knows Best.