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What is nisab? How much gold/silver is it?

nisabAnswer:
Nisab is the legal term used to describe the minimum amount of constantly accessible surplus wealth that one must possess in order to be liable for Zakat.

In the Sunnah, it is designated as possession of either 20 gold Dinar or 200 gold dirhams. These amounts have been approximated in modern measurements as 84.9 grams of gold and 592.9 grams of silver. They are then multiplied by the current market value. This gives us the cash value of Nisab. You can easily do this by visiting this website.

Using this site, the nisab of gold for July 31st is equal to 4838.96 USD. For silver it is 539.34 USD. When calculating nisab for each metal separately, you use the respective nisab above. When calculating for cash and all marketable securities and surplus wealth, you use silver.

So if you own 539.34 or more in surplus wealth (including checking, savings, and investment accounts) then you will pay 2.5% of the sum total of that amount.

The Hunger Games

Khutbah delivered a Islamic Center of Irvine

http://1ico.in/IZNmKV

Repaying a loan in a different currency

A questioner asks:

I purchased something for someone in US dollars equaling 6k in Airline tickets. Now he wants to pay me back, but we live in the Emirates and he can only pay in UAE dirhams.
Can I take dirhams as payment? What if he pays me off in installments?

Answer:

In the name of Allah, Merciful benefactor, Merciful redeemer

Whenever you are recovering a debt, you have the right to demand payment in the original currency if you choose. However, you have the option to accept payment in any other currency with two conditions:

1-     That the debt is calculated according to the spot exchange rate for that currency.

2-     That there is no debt liability that is left after payment.

For example:

Above, you mentioned that you loaned dollars and now will accept dirhams. Let’s say you loaned this amount a year ago today

  • On May-16-2011 6000USD = 22038.99AED
  • On May-16-2012 6000USD = 22037.88AED

Despite the decrease of 1.11AED, you would take 22037.88AED as payment for your debt today, and the debtor should pay you in total. Even if the amount went up, you would still take whatever amount resulted from the current exchange rate. Paying off part of the debt and leaving off part of it is not permissible. By paying off the debt in part, you allow endless speculation on currency prices, which could lead to exploitation of currency fluctuations.

The proof for this is the hadith of Ibn Umar found in the Sunan where he says “there is no harm in doing so if it is at market price and no debt remains between you.”

And God knows best.

 

Quack Doctors, Conspiracies, and Responsible behavior

Abu Dawud narrates through his isnad that the Prophet said, “He who practices medicine but is not known for medicine, is liable.”
(مَنْ تَطَبَّبَ، وَلَا يُعْلَمُ مِنْهُ طِبٌّ، فَهُوَ ضَامِنٌ)

This hadith outlines for us to broad legal concepts in Islamic law: negligence and willful misconduct.

Here the inverse of the Prophet’s statement “but is not known for medicine” refers to the person qualified to practice medicine. When a person is qualified to practice a profession or offer advice in an area of expertise, they are expected to maintain decorum and adhere to the professional principles and ethical behavior specific to that profession. When they neglect standards and fail to exercise what a reasonably prudent person would take into consideration while practicing their profession, they are liable for the harm and damages they cause. The inverse of this hadith would seem to indicate that the professionally qualified person is not liable, in lieu of his qualifications. This however is not the case, as the inverse of this statement agrees with the ruling in the hadith when specified by two other evidences: other texts such as “No harm or reciprocating harm,” etc. and consensus that anyone practicing medicine who engages in misconduct and/or negligent behavior is liable.

When a person offers professional advice or practices a profession he is unqualified for, the ruling mentioned expressly in this hadith applies. This person will be liable for damages and harm resulting from their misconduct and misrepresentation, however will not be held fully responsible for death and bodily harm because they would not have been able to practice without some sort of permission from the person harmed.

This hadith is an important reminder to people who profess facts to others, spin conspiracy theories based on conjecture, and make baseless claims about issues which they are wholly unqualified to pass judgment on. Even worse is when this translates into practicing “Prophetic Medicine” without having the foggiest what that means, or warning against all forms of vaccinations, or generally promoting ideas that are harmful to our health.

Let’s remember to be responsible in all that we do and say.

Don’t walk in one shoe…

“Don’t walk in one shoe…” a tradition many of us have heard right?

This hadith is narrated in Sahih Muslim from Jabir. What does it mean though? Let’s back up a minute..
Have you ever broken one of your limbs? You had to over compensate right? You’d walk a little more rigorously, grab a little tighter with your other hand, stretch a little farther to turn… do this for too long, and it becomes a norm.

Now think to yourselves about how we all do this emotionally as well. Do we lean too far looking for approval when we’ve lost it? Do we let encumbrances, setbacks, and personal failures shape who we are? Do we refuse to move forward, for fear of discomforting ourselves, even though we are comfortable now?
By allowing ourselves to remain in disparate situations, we allow our coping mechanisms to become roadblocks to recovery. We allow disproportion to define us. When it is time to get better, we feel we are “losing ourselves,” when in reality we are gaining equilibrium.
So how do you deal with emotional, physical, mental disproportion and imbalance?

Easy, take both shoes off, or put two new shoes on! Don’t allow yourself to be forced into a situation because of present circumstances. Just like you tie your shoes yourself, you can tie your hands as well.

Don’t let that happen! Reach down to whatever it setting you off course and take control. Don’t hang on to one shoe as if you can never part.
You may be anxious to walk barefoot, but soon you’ll learn to love the sand between your toes. It will lead to an ocean of comfort.
Breaking in a new pair of shoes can be stressing, but will give you an edge you never had, and push you that much farther forward in the race.
Seek balance in all you do, the physical informs us of the spiritual.
Its new shoes, or no shoes, never be afraid to walk in both!

Reading Surah Ibrahim: Responsible stewardship of the Earth

From the beauty of Allah’s speech is the variant modes of reciting the Quran and the variant meanings that stem from them. In Surah Ibrahim verse 34, Allah says:

 

قُلْ لِعِبَادِيَ الَّذِينَ آمَنُوا يُقِيمُوا الصَّلَاةَ وَيُنْفِقُوا مِمَّا رَزَقْنَاهُمْ سِرًّا وَعَلَانِيَةً مِنْ قَبْلِ أَنْ يَأْتِيَ يَوْمٌ لَا بَيْعٌ فِيهِ وَلَا خِلَالٌ (31) اللَّهُ الَّذِي خَلَقَ السَّمَاوَاتِ وَالْأَرْضَ وَأَنْزَلَ مِنَ السَّمَاءِ مَاءً فَأَخْرَجَ بِهِ مِنَ الثَّمَرَاتِ رِزْقًا لَكُمْ وَسَخَّرَ لَكُمُ الْفُلْكَ لِتَجْرِيَ فِي الْبَحْرِ بِأَمْرِهِ وَسَخَّرَ لَكُمُ الْأَنْهَارَ (32) وَسَخَّرَ لَكُمُ الشَّمْسَ وَالْقَمَرَ دَائِبَيْنِ وَسَخَّرَ لَكُمُ اللَّيْلَ وَالنَّهَارَ (33)

“Say to my servants who believe: Establish the prayer; spend from what we’ve provided them secretly and openly; before a day in which no business nor friends. Allah is the One who created the heavens and the earth, and sent down from the heavens water, and with it bring fruit forth from the earth as sustenance for you. He made sea vessels subject to you by his command, so as to travel by sea, and he subjected the rivers to you. He made the Sun and the Moon subject to you pursuing their course; the night and day were subjected as well.”

He then says:

وَآتَاكُمْ مِنْ كُلّ مَا سَأَلْتُمُوهُ

This verse is read in two ways:

1-      In the genitive case, i.e.: “And He gave you everything you have asked for…”

2-      In the negative, i.e.: “And He gave you from each, you did not even ask …”

What effect does this have on how we understand the verse? After having been reminded of all the things in creation that Allah provided, we are again reminded that whatever we have, regardless of whether we’ve requested it specifically or have not asked for it at all, then it is from Allah. If it is from him, then it is a blessing that Allah has given to us. Because of his omniscience, wisdom, and love he gives us blessings that were we to be tasked with requesting, we would not be conscious enough to even recognize our need for them. Think about the creations mentioned in these verses: rain, vegetation, the sea, the rivers, the Sun and the Moon, even the night and day. When I think about these things, I automatically think about energy, how we get hydrogen generators from water, eco-fuels, oil drilled from the sea, rivers dammed up for generating electricity, and solar energy.

We did not ask for these blessings, if we leave them as they are undeveloped, we benefit from them immensely in their raw form. If we seek to develop them, they are even greater blessings!

Allah then says:

وَإِنْ تَعُدُّوا نِعْمَتَ اللَّهِ لَا تُحْصُوهَا

“If you were to count the blessings of Allah, you would not be able to enumerate them…”

The question that we should be asking ourselves here is not whether we are masters of our domains and have the ability to develop our environments to benefit ourselves, but whether we will develop them responsibly, and not waste the great blessing we’ve been given. Will we develop them in ways that allow them to be renewable sources of blessing for all of mankind, not just a select few?

إِنَّ الْإِنْسَانَ لَظَلُومٌ كَفَّارٌ

“Man is transgressing and ungrateful”

While this last portion of the verse tells us of how we are, the question is how will we be?

How do you all view the blessing mentioned in this verse, and what can we do to live up to the responsibility of us them wisely?

Al-Muhasibi on Excess

“ I’ve found that every affliction which comes over the heart is due to excess. This is fundamentally due to approaching this lowly life in a state of ignorance and forgetting about your true place of return after having known it. Savior from this is through leaving off everything unknown by piety and taking nothing except through certainty.

I’ve found that the corruption of the heart is corruption of the Din; do you not see that the Messenger of Allah said “Is there not in the body, a morsel of flesh; if it is wholesome then the body is as well, Read more →