Islamic law considers money as God is the true owner of money, and that man is an employee of his own. He is actually developing and investing in accordance with God's law, and includes taking into account the right of God to earn money and spend it. And save money from the colleges of the purposes of Islamic law represented in the preservation of religion, self-preservation, keeping the mind, keeping the offspring and save money. In the Quran in Surah Hud (61), the Almighty says: "And the good of them is good," said Yaqum, "serve God your money from another God, that I will raise you up out of the earth, and I will baptize you in you.
And the Prophet (peace and blessings of Allaah be upon him) said: "If the hour is in the hands of one of you, then he can not do it until he has planted it, so he has a reward."
Investing money is an efficient duty for the nation to carry out the investment process so that the abundance of funds and the work of the hands and the right of sufficiency is achieved for all if wealth is not achieved, and the jurisprudential rules is that what is not done only by it is a duty, it must be controls for investment,
1 / Sharia controls:
Are controls that are considered by the investor so as not to fall into the taboo and riba is knowledge of the jurisprudence of transactions and the value of honesty and honesty and the fulfillment of the covenant and promise because these values guide his behavior towards good.
2 / Economic controls:
Investment must be consistent with controls that maximize the national economy. Therefore, the investor must know the economic reality and business transactions and choose the project that will benefit him and his society.
3 / Social controls:
The project is not successful unless the community interest is enhanced by equitable distribution of wealth to fight unemployment and alleviate poverty.
Good investment is the process of finding an investment project that supports the project of Khairi to ensure continuity of the latter without the need for further support and funding.
The importance of charitable investment:
The importance of charitable investment stems from the fact that it relates to some of the rituals of Islam, the diversity of work methods and production, and the emergence of large investment projects that generate abundant profits for its owners. This led to thinking about the extent of investing the money that is truly due to Allaah in the modern forms and methods, as well as the poor conditions of the poor, And the growing problems faced by Muslims in various parts of the earth such as poverty and disease, especially with the global economic system, which has tightened the screws on the economy of many Muslim countries with the dictates and harsh conditions in which Thira waiver, remains poor and the poor desperately need a steady and lasting financial resource insurance, investment funds really due to God in generating projects for the benefit of a rent is paid one eligible solutions to secure this resource and to meet the growing needs of the beneficiaries.
What is charitable work:
Is a social act or behavior practiced by the individual on his or her own initiative and with a sincere desire, based on humanitarian, religious or moral principles and considerations.
What are charitable projects:
Every project is desirable and useful and know it d. Abraham the ant that it is (the material or moral benefit provided by man to others without material compensation but achieves a special purpose greater than the material equivalent). In general, the contribution of individuals and their cooperation in contributing their efforts, money and time in the activities of welfare and social development that meet their societal needs for the purpose of good and benefit, and can be areas of charity:
Poverty alleviation projects.
Ensuring orphans, needy people and shelters.
Improving and promoting the environment.
Financing infrastructure sectors (water, education, health, etc.).
Vocational and vocational rehabilitation institutes.
Financing the charity project:
1 / Zakat.
2 / Endowments.
3 / Corporate Social Responsibility.
4 / International support
We can review this in:
1 / A / Zakat of funds: -
Zakat is considered to be the most important source of financial resources that support and support charitable work. Zakat has a great role in redistributing wealth in the Muslim community in general, in addition to the social role and recycling of funds, and should not be underestimated by 2.5% The purpose of charitable work in general is to alleviate the suffering of the poor and the needy in the first instance. Hence, the role of Zakat in building hospitals, schools, roads and public interests and those who work in charitable work is to awaken the religious incentive among the public to pay zakaah on their money. G public companies also motivate. The scholars differed concerning the investment of zakaah money. Some of them were prevented from doing so and went to give it directly to them. They quoted the hadeeth of 'Uqbah ibn al-Harith as saying that the Prophet (peace and blessings of Allaah be upon him) said: "The Prophet (peace and blessings of Allaah be upon him) The Prophet (peace and blessings of Allaah be upon him) said to them that they should come to the camel of charity, and they would drink from their milk and their parents, so they killed the shepherd, and they took the suk, so he sent the Messenger of Allaah (peace and blessings of Allaah be upon him) Peace be upon him came to them, cut off their hands and legs M, and Samar their eyes, leaving them Baharh (and talk agreed upon investment and word of the steam guide.
All the matter is an interpretation of the texts and jurisprudence and according to the jurisprudential rule (every permissible order in which there is no provision for prohibition of the Qur'aan and Sunnah, and for diligence in it is a formula that is not said to those who did it, why did you do it? And it is not permissible for him to pay zakaah on a yearly basis, and if he is not a professional, (Peace and blessings of Allaah be upon him) and its applications in this section E Abu Dawood and Ibn Majah from Anas bin Malik, may Allah be pleased with him that a man from the Ansar Prophet peace be upon him came and asked him, he said: In your house something? He said: "Yes, let's wear some of it and simplify some of it, and it is difficult to drink water from it." He said: "Bring me with them." Then he took them with them. The Messenger of Allaah (peace and blessings of Allaah be upon him) took them with his hand. A man said: "I take them with a dirham," he said: "It is more than two dirhams, two or three times." A man said, "I take them with two dirhams. I gave them to him and took the dirhams and gave them to al-Ansari. The Prophet (peace and blessings of Allaah be upon him) came back with his hand, and then he said to him: "Go, Vahtab, Ba ', and Arink, fifteen days." So the man went to buy and sell. He came and hit ten dirhams. He bought some clothes and some of them. Peace be upon him: This is better for you than to come up with a joke in your face on the Day of Resurrection, the issue is only valid for three: Or that is a heinous crime, or a painful blood. "
If we have taken the words adopted by the Shaafa'is, and the Hanbalis in a narration to them, in giving the poor what is practiced by it, it is necessary to warn that the Shaafa'i (may Allaah have mercy on them) said that the requirement to give zakaah to the poor is for the poor. , Says Shams al-Din al-Ramali - may Allah have mercy on him - in his explanation of the curriculum when he reported that the poor is given what he is known as a drug exploited by the Vlhmh purchase.
"Ibn al-Qasim said: It is not permissible to recite it, and al-Ashkami said: If he is good for the poor, he is permitted to do so, but he is an optimist. .
Ibn Hazm (may Allaah have mercy on him) said: "It is up to them to eat what is necessary to eat, and to dress for winter and summer like that, and in the abode of rain, summer, sun and the eyes of passersby."
Thus, it is clear from the application of the Prophet (peace and blessings of Allaah be upon him) that the purposes of zakaah are directed towards the permanence of the kafiyah of the poor with regard to preserving the water of his face by relying on himself and making him productive. Therefore, if the guardian or his representative appoints charity projects that own their shares, (Peace and blessings of Allaah be upon him), and the purposes of sharee'ah, which is also closer to the meaning of ownership, so that the money may be obtained by the benefit of one's own or compensated. Allaah knows best and Zakat is not delayed except because of the search for the beneficiaries.
1 / To verify the existence of the interest in the case of non-individual ownership of the eligible
2 - That this interest is directed to the adequacy of the primary purpose of each bank; Or to strengthen their faith, or to rise up in defense of Islam, and so the rest of the banks, keen in these projects to achieve the purpose for which gave each of the eight banks of zakat.
3 / Ensure that these projects benefit only those who are legally entitled to it, and if the rich benefit from it, provided that payment is paid in the interests of this project.
4 - to take this work on the work of other charitable institutions, or the organs of the state, or the activities of traders, and take all legal procedures; to ensure its independence, and not to merge with other work in other than its purpose, and if sold objects of these projects stipulated the disbursement in the banks of Zakat.
5 - Do not deprive the beneficiaries of direct disbursement, and liquid money when the urgent need immediate, noting that the need for money will be reduced if they need their original.
6 / The capital of the project shall be owned by those who are entitled to the specified, or to the common denominator.
7 / These projects are required to be carried out by the guardian or his appointee, since he is the agent of the beneficiaries, and the right of the informal charities to obtain the power of the beneficiaries in the country of Zakat.
8 - to open the doors of other good to serve these purposes, such as endowments, and funds of public interests; do not make Zakat is the only supplier to solve all the dilemmas of life and difficulties.
We review two models in investing Zakat funds:
1- The Zakat Bureau of Sudan:
In this context, the SAI's experience is based on the ownership of the beneficiaries of the poor and the needy, means of production and projects for subsistence, so that they manage these means and work in these projects in order to raise the need for them. They become productive individuals and rich people who pay Zakat rather than This idea has succeeded in getting many poor and poor people out of poverty to the labor and production department. They have also contributed to doubling the Zakat funds and establishing many new charitable projects. Han appeared on it.
A table showing the actual collection of Zakat containers for the period from 2013 to 2017
(Amounts in millions of pounds)
We find that the Zakat Bureau is strictly committed to the policies of the Supreme Council of Zakat Trustees, especially in the area of exchange, which has been determined as follows:
The poor and the poor 68%
Working on it 16%.
Dawa banks (comprising their hearts and necks) are 3.5%.
For Allah 2.5%.
Administrative expenses 4,5%.
A table showing the total expenditure on productive and service projects during the years (2013-2017):
(Amounts in millions of pounds)
(المبالغ بملايين الجنيهات)
The number of beneficiaries
Number of beneficiaries
2- Kuwaiti Zakat Office:
The Zakat House was approved for Shari'ah and provided several charitable projects that generate a return of 2208 students and 30610 orphans and provides cash support to more than 17123 families. In addition to water services, health, prisoners, mosques ... etc inside and outside Kuwait, and the SAI has achieved the objectives of investment from the development of Zakat funds in the interest of beneficiaries.
1 / b / Zakat al-Fitr: -
It was narrated that Ibn 'Umar (may Allaah be pleased with them both) said: The Messenger of Allaah (peace and blessings of Allaah be upon him) used to make Sadaqat al-Fitr a saa' of barley, or a saa 'of a passover on the small and the big, The scholars may extract it in cash if it is in the interest of the poor or it is easier for the director. The monetary size of the zakat al-fitr can be estimated as follows:
The population of the Sudan in 2018 38 million people
Excluding 2% Christians and 00,760,000 people
The number of Muslims is 37,240,000
Exclusion of 30% of its beneficiaries 11,172,000 people
Zakat payer 26,068,000 people
If the amount of zakaah is one third of a quarter of wheat (ignoring other crops), ie 40 pounds per person, then Zakat is due:
26,068,000 people × 40 pounds = 1,042,720,000 pounds
1 / c / infidels (ransom): -
According to the population census for 2017, the percentage of elderly persons aged 65 and over (3.2%) is equivalent to 1,216,000 people, and 2% of them are Christians, ie, the elderly Muslims, 1,191,680.
If we impose all of them who have the excuses for the ransom and the amount of daily feed the poor and his meal full saturated 25 pounds, which pays a ransom of 750 pounds. The total amount of ransom to be paid to the elderly:
1,191,680 people × 750 pounds = 893,760,000 pounds.
This is the size of the monetary mass that is traded during the month of Ramadan through ransom.
There are many Awqaf departments, but their role in maintaining the Waqf and developing it is almost less than the minimum required. It is considered the right and main source of income for charitable institutions. Therefore, we have to adopt a clear policy in terms of development and development of the Waqf. Of charities, giving them stability.
There are two forms of endowments in terms of financing the waqf:
1 / is that a particular party or person constructs a special stop, whose income is due to the poor from his family and the rest to the community, which is the most common.
2 / It is that the charity institutions with investment projects and the sale of its shares to the public is a generous donation.
The legality of the waqf investment is measured by the legality of investing the orphan's money. It is not permissible for the orphan's agent to leave the money of his client without investing. Otherwise, the money is lost. Our master, 'Umar ibn al-Khattab (may Allaah be pleased with him) said: The living of the detainee must be employed in the areas of halal and work in accordance with the conditions of the person standing and the achievement of material and social returns in accordance with the need of the detainee.
1 / Waqf instruments:
These are the specific documents issued in the names of their owners in exchange for the funds they have provided to the party who stands for them or their representatives in order to implement a certain moratorium project, exploit it and achieve the ends and endowment needs that are intended from it, whether these needs are social, economic or otherwise.
2 / Deposit and Waqf funds:
It is the collection of cash from a number of persons or institutions through donations or shares to invest these funds and then spend their proceeds in favor of the situation for them.
The economic and social role of the Waqf:
The high responsibilities of the state to ensure that the needs of the society are known for their continuous increase as an inevitable result of the development of societies are imposed on them. This is a burden on the state, especially in light of economic and financial crises. Even richer countries are unable to cope with them. Alone, but the Waqf can address this through:
1 / Provision of funds for social welfare
2 / Reducing government spending by running some facilities.
3 / Financing of service projects (education, health, water, etc.)
4- Providing employment opportunities and alleviating unemployment through endowment projects or financing those capable of production.
5 / raising the capacity of the segments capable of production.
We can highlight the following models of cessation:
1 / Office of Islamic Endowments Sudan:
The extension of the Awqaf Waqf Islamic Authority was issued in 2008 by the Law of the establishment of the Islamic Awqaf Bureau. Article (3) of the Law defines Waqf as "the imprisonment of the original and the looting of its profit or fruit and disposing of its benefit in the immediate or future situation, whether charitable, communal or communal. Al-Khallawi and Zawaya and its money and the lands of the Muslim graves and their money are waqf even if they are not registered).
The Diwan has a total of 6124 confiscated properties. The total revenues of these properties amounted to LE 96 million in 2017. LE 17 million of which was directed towards the development of the Waqf and 61 million Pounds for them to stand for them poor and poor, orphans, students, health ... etc.
2 / Kuwait Awqaf General Secretariat:
This secretariat manages the endowments, the development of the waqf, and the distribution of the endowments. The strategy of the secretariat is:
Diversification of investment assets and periods in line with the nature of invested funds.
Identifying sources of capital and linking them to investment fields
Select investment opportunities with stable returns and choose suitable Islamic formulas.
Expanding opportunities for Waqf institutions and banks to participate in Waqf financing.
Awqaf revenues in 2010 amounted to 210,889,000 dinars, or 12,653,340,000 pounds.
3 / American experience (Trast):
American laws define the stay as follows: (an obligation arising from personal trust in a party, and acceptance of the latter voluntarily in the interest of a second party). The Bill Gates Foundation was established in 2000. Its charitable activities amounted to 29 billion dollars in 2006, and the Ford Foundation, which was established in 1939, has a total assets of 11 billion dollars. The size of charitable institutions and organizations is more than 1541972 with a total assets of 615 billion dollars working in educational facilities, health, water, training and other fields of development through investment stocks and waqf deposits.
Third: Corporate Social Responsibility.
The funds may be provided by the State in a charity fund which, as an independent body, will be the funds provided to charitable organizations and associations. It can provide direct social support funds in the form of community projects. Each government unit may have social responsibility, social security fund initiatives, Which provided about 5 million pounds in projects within the social responsibility in several projects in health, education, water and others in 2017 only. In this regard, the State must follow up the implementation of these financial acts by establishing independent governmental institutions and bodies that deal with these funds in a collective manner, managing and disbursing in the best interest of the beneficiaries, with the importance of ensuring the independence of these institutions and bodies from the rest of the official departments and choosing the competent, Some countries have taken care of these funds or some of them as Zakat through government institutions, but they did not achieve the hope of them because they are not fully independent or not qualified to manage them.
Private sector institutions:
Companies have a large share in charitable contributions and are considered the most important financial sources of charitable work through donations and donations. Some companies, such as Sudatel, have contributed funds to social responsibility, and what distinguishes the West is the reliance on large companies to support charitable activitiesThe banks should follow the example of the Savings Bank by allocating 5% of its net profits towards social responsibility. Thus, we have included substantial financial resources to support charitable work. For a long time.
The private sector must be seen as a promising source of funding for charitable projects in Sudan. It requires thinking about developing incentive systems to attract this sector and activating its community participation to enable charitable organizations to continue as a genuine component of civil society.
Fourth: International Support:
International sources are important sources of funding for charitable work, and this source is undoubtedly under the influence of international and political changes. It is well known to those who are involved in charitable work the difficulties of presenting and the length of procedures and their complexity to obtain grants from international donor funds.
It is a set of steps that we can classify as follows:
1 / Study the needs of the community:
The organization is supposed to think carefully and conduct meetings, workshops and questionnaires to investigate the need that is most important to the environment in which it operates and the surrounding society, and then put forward a convincing and adequate program to meet the urgent need of the community, and may develop and change it.
2 / Setting general objectives and specific objectives of the project:
It is very important that the overall vision be clear to the overall objective of that project and most importantly the more detailed and precise objectives through which the indicators are then established by which to measure the results and judge the achievement.
3 / Project design accurately meets the requirements:
This means that - plan and follow up and evaluate the project where work is on the development of steps and scheduling of work and identify the officials and make each step has a special path to begin and end the specific elements and roles and number and tools and equipment necessary to accomplish this and move them in the stages of the project, , And put (mark right) in front of each work has been followed up the rest of the work that has not been done and made a solution.
4 / Setting a comprehensive and accurate budget for the project:
Budget and total cost of all operations and not to overlook something until the budget is correct.
5 / Providing funding for the project:
The marketing of the project or return to the Board of Directors and the use of all channels of communication to obtain the necessary funding in any legitimate manner and open the mind to the sources of funding, especially in the project is important and new and submitted by a charity expert and reliable.
6 / Identification of the project management job description:
The problem of conflicts and disruption of work is mostly due to the lack of clarity of the job description of resources, the role of each of them and the reference and channel of communication and validity and budget, and how to benefit from when and from the rest of the individuals and determines according to that additional work and reward and when disbursed and the rest of the incentives.
7 / Personnel management and employment skills for the success of the project:
There is no doubt that human resources are a very important corner for the completion of the project, but many leaders fail to recognize the skills and talents of their employees, training them, refining them, equipping them with work, giving them opportunities to prove themselves and creating a competitive environment that motivates them to show their best interests.
8 / Project development and continuity:
Especially if the projects that take the form of continuity, and work to achieve sustainability of the project and subject to review and evaluation and indicate opportunities for improvement that may be in the coming versions of the project or other alternative projects.
1 / Evaluate the work of existing Waqf institutions to see how effective they are in achieving the goals and objectives of the Waqf.
2 / The zakat strategic plans should include the expansion of professional efficiency projects (micro, small, small, medium), taking into consideration the nature of each state and its need to reduce poverty and unemployment. It should be directed to those entitled to it legally.
3. Activate the role of public institutions and private companies and remind them of social responsibility and assume their responsibilities towards society through contributing to development projects and humanitarian programs.
4 / Adopting the policy of transparency and accountability by charitable organizations, and convince private donors of the vitality of projects and programs implemented by them.
5 / Prepare integrated projects combined with economic and social feasibility studies and provide them to private sector institutions and companies to provide financing and support these projects, even in stages and gradually.
6 / Involve the private sector in expressing its opinion and advice and taking its suggestions in the selection of projects, which makes it adoptive and popular ideas (P P P).
7 / Informing companies and shareholders of the financing of charitable projects, in a documented and transparent manner, on the results achieved by the projects that contribute to their financing.
8 / Creating incentives to encourage companies and institutions of the private sector to donate and provide services to the community.
9. Intensifying the media promotion to stimulate motivation towards the Waqf and its importance in financing charitable projects.
10 / Developing and activating the policies, laws and legislation related to the waqf to exempt waqf funds and their investments from all fees and taxes.
1 / The role of charitable investment in sustainable development (Waqf model) - Amina Obishat - Jordan
2 / Investment and financing in charitable societies - d. Sunhat Ben Bader Al - Otaibi
3 / Research on Zakat Ownership - Dr. Hussein Hamed Ali - Kuwait
4. Financing the contemporary Arab charitable work and its institutions - Mohammed Bakkar bin Haider
5 / Financing charitable projects of Zakat. Ben Omar Alkaty
6 / Reports of Zakat Bureau (Sudan) 2013 -2017 m
7 / Reports of the Savings and Social Development Bank 2013-2017
8 / Social Policy (Savings Bank model) - Abdulrahman Ali Adam
9 / Land and its uses in Sudan - Prof. Dr. Haj Adam Hassan Eltaher
Preparation: Zein Omar al-Hako Omar
Savings and Social Development Bank
Challenges and Problems Facing the Children of Palestine Presented to the International Court of Justice
I am a Palestinian who loves life
The voices in our time have been condemned and rejected the position of the mirror in Islam and Western visions have been combined with regard to the role of the mirror and its role in the practical life, social and family. Some theories went against the natural function of the mirror and its good and called it the process of breeding in what is known as reproductive health
Lebanon: Dr. Ayesha Yakan
The negative social deposits were formed as a result of the mixing of the Islamic peoples with some of the customs that prevailed before Islam. These peoples adopted some of the customs, traditions and ideas that they came from outside of the correct religion in order to achieve a personal or personal interest. Sediments at the expense of women, and the result was that the disruption of the concept of rights granted by women to Islam without all civilizations, and soon found themselves suffering from the oppression of men and tyranny, even the tent of ignorance is applied and the look of Muslim women think that Islam is the one who inflicted injustice, And it was a reason To leave behind the lap of civilization.