Investing in the Akhirah:Investing in the Akhirah:Infaq Fee SabeelillahInfaq Fee Sabeelillah

(Spending in the Way of Allah)(Spending in the Way of Allah)

Uzma Zaffar & Saadia YunusUzma Zaffar & Saadia Yunus

What is Infaq?What is Infaq?

InfaqInfaq encompasses all of the obligatory, encompasses all of the obligatory, as well as voluntary,as well as voluntary, ways of spending in ways of spending in Allah’s way Allah’s way

ZakahZakah determined portion taken from determined portion taken from wealth and allocated to those deserving it wealth and allocated to those deserving it by a Qur'anic injunction by a Qur'anic injunction

SadaqahSadaqah not always in the form of wealth not always in the form of wealth or properties, but can also be good deeds, or properties, but can also be good deeds, such as smiles, kind words, etc. such as smiles, kind words, etc.

Why Should We Spend?Why Should We Spend? ““You will not attain true goodness until you You will not attain true goodness until you

give of what you love” (Ale Imran:92)give of what you love” (Ale Imran:92) "And whatever you spend in good, it is for "And whatever you spend in good, it is for

yourselves, when you spend not except yourselves, when you spend not except seeking Allah's Face. And whatever you seeking Allah's Face. And whatever you spend in good, it will be repaid to you in spend in good, it will be repaid to you in full, and you shall not be wronged'' (2:272) full, and you shall not be wronged'' (2:272)

"And whatsoever you spend of anything (in "And whatsoever you spend of anything (in Allah's Cause), He will replace it'' (34:39) Allah's Cause), He will replace it'' (34:39)

Why Should We Spend? (cont’d)Why Should We Spend? (cont’d) Prophet Muhammad (S)Prophet Muhammad (S) "The "The

believer's shade on the Day of believer's shade on the Day of Resurrection will be his charity" (Al-Resurrection will be his charity" (Al-Tirmidhi)Tirmidhi)

"Spend (in charity) out of the "Spend (in charity) out of the sustenance that We have sustenance that We have bestowed on you before that time bestowed on you before that time when death will come to someone, when death will come to someone, and he shall say: "O my Lord! If and he shall say: "O my Lord! If only you would grant me reprieve only you would grant me reprieve for a little while, then I would give for a little while, then I would give in charity, and be among the in charity, and be among the righteous" (63:10)righteous" (63:10)

Shining Examples Before UsShining Examples Before Us The Prophet (S) The Prophet (S) the most the most

generous of people, more generous of people, more generous even than the wind generous even than the wind blowing from the direction of blowing from the direction of goodgood

Abu Dharr told his nephew: Abu Dharr told his nephew: “Son of my brother! I went to “Son of my brother! I went to the Prophet’s (S) side. Taking the Prophet’s (S) side. Taking my hand, he said, ‘Abu Dharr! my hand, he said, ‘Abu Dharr! Even if I had as much gold and Even if I had as much gold and silver as Mount Uhud, I would silver as Mount Uhud, I would wish to spend it in the way of wish to spend it in the way of Allah, leaving not a farthing Allah, leaving not a farthing behind’”behind’”

Abu Bakr (R) and Umar (R)Abu Bakr (R) and Umar (R)

Attitudes We Must Fight AgainstAttitudes We Must Fight Against Selfishness and egotism—Selfishness and egotism—

completely dominate a completely dominate a person’s moral frameworkperson’s moral framework

““Truly man was created Truly man was created headstrong – desperate when headstrong – desperate when bad things happen, begrudging bad things happen, begrudging when good things come” (Al-when good things come” (Al-Ma‘arij:19-21)Ma‘arij:19-21)

““It is the people who are safe-It is the people who are safe-guarded from the avarice of guarded from the avarice of their own selves who are their own selves who are successful” (At-Taghabun:64)successful” (At-Taghabun:64)

Attitudes We Must Strive ForAttitudes We Must Strive For

Giving in the way of Allah is a defining Giving in the way of Allah is a defining characteristic of Muslimscharacteristic of Muslims

Seek to spend every moment behaving in Seek to spend every moment behaving in such a way that will be pleasing to Allahsuch a way that will be pleasing to Allah

““The real worth is not of the quantity of The real worth is not of the quantity of what you spend but of the spirit of sacrifice what you spend but of the spirit of sacrifice for the sake of Allah” (Maududi) for the sake of Allah” (Maududi)

Final Encouragement…Final Encouragement…

Self-sacrifice with true sincerity is most valued in Self-sacrifice with true sincerity is most valued in the sight of our Lord the sight of our Lord

““Those who do good will have the best and more! Those who do good will have the best and more! Neither dust nor debasement will darken their Neither dust nor debasement will darken their faces. They are the Companions of the Garden, faces. They are the Companions of the Garden, remaining in it timelessly, for ever” (Yunus:26)remaining in it timelessly, for ever” (Yunus:26)

““O you who have attained to faith! Be patient in O you who have attained to faith! Be patient in adversity, and vie in patience with one another, adversity, and vie in patience with one another, and be ever ready [to do what is right], and remain and be ever ready [to do what is right], and remain conscious of God, so that you might attain to a conscious of God, so that you might attain to a happy state!” (Ale Imran:200) happy state!” (Ale Imran:200)

Du’aDu’a

May Allah (swt) make us of those May Allah (swt) make us of those who constantly give in His way who constantly give in His way with sincere intentions and may with sincere intentions and may

He accept it from us and magnify He accept it from us and magnify our rewards… our rewards…

AMEENAMEEN

Bait-ul-Maal System

ICNA Sisters wing

Accounting in Islamic state

• Started with the orders of zakah in the year 2 H (624 A.D.)

Story of Yusuf (As)

• When Yusuf (as) became the finance minister, his main responsibility was:

• Keeping an account of inventory and distributing it in an equitable way

Our Theme --Leadership

• Planning

• Organizing

• Leading

• Controlling

Controlling:A Part of Management

• For efficient controlling, we need a very good reporting system

• From reports, we analyze and take corrective action

Planning

OrganizingLeading

Controlling

What is Accounting?

Art of-------------

OrganizingMaintainingRecordingAnalyzing

Financial Activities

Importance of Keeping a Correct Record of Bait-ul-Maal

• According to Omar (R)---

Bait-ul-maal is like Maal–e-Yateem

The Bait-ul-Maal of

ICNA SISTERS WING

Important Points in 2009 Planning

• Keeping programs to motivate people to donate

• Implementing the receipt system

• Improving the recording and reporting system

What Are Our Sources of Income?

• Fundraising

• Monthly member donations (ayanat)

• Other donations

• Zakah

• Sadaqah

Money Received at Sub-Unit Level

Cds

Books

Companion

Noor

Sadaqah

Zakah

Donation

Ayanat

Income at sub-unit level

Money Will be Received in Two Forms

1.CASH

Make a money

order

2.CHECKS

Made out to

“ICNA SISTERS WING”

Don’t Forget to Give a Receipt for Every Dollar You Take

How to Handle Completed Receipt Books?

Completed receipt books

Region / unitBait-ul-maal in-charge

ICNA SISTER’S WINGPO BOX No: 1786

ALIEF, TX 77411-1786

Request for Additional Receipt Books

• Request for additional receipt books well before you run out of them.

Send your request to:

•icnaamanah@gmail.com

How to Handle Money

Units and Regions

Get Organized:Multi–Pocket folder

• Labels for pockets– Ayanat– Donation– Sadaqah– Zakah– MCNA– Noor – Companion

6 column Accounting / Cash Book or Excel Worksheet

• Set a final date for collection of checks each month

– Ex: Receive all checks by the 5th

– Then mail them to Central Bait-ul-Maal by the 7th

Filling Out the Report

Make the Basic Calculations

• Regions send 100% of all income

• Units send 70% of ayanat and 100% of all other income

Department Report

Send report on a monthly basis

Do not e-mail the report until checks have been mailed

Mailing the Checks and Report

While Mailing Checks, Keep These Things in Mind

• Do not send cash

• Always make a money order and then send it to central Bait-ul-Maal

Make sure …..

• The date is written properly

Month/Day/Year

• The check is signed properly

• Amount is written clearly in numerals and in words

Do Local Audits of Accounts

Make a Budget for 2009

• Based on previous year’s expenses and income

• You may take help from a team member of CBM

Procedure for

Re-imbursement of Expenses

or Payment of a bill

Regions can request the budget set for them in advance

• Request should be e-mailed to:

icnaamanah@gmail.com

• For expenses already incurred/or for bill payments scan and attach receipts

» CONT…………..

Also Do Not Forget to……

• Write the name of the person in whose favor the check is to be made

• Write the address to which the check has to be mailed

CONCLUSION

Income is raised at the

Region/Unit level

For Expenses that are incurred at the Central

Level

What Are Our Main Expenses?

• Dawah• Tarbiyyah• Online Institute• Tarbiyah Seminar• Printing and Publishing• Noor magazine• MCNA • Companion (MCNA magazine)• Conventions• Flyers• Circular• CDs• Website

All this is done to seek the Pleasure of Allah Ta’ala

So come forward and share in the reward

Buy Jannah in exchange for the dearest thing that Allah Ta’ala has given you

Al-Baqarah : O ye who believe! Spend out of (the bounties) We have provided for you

before the Day comes when no bargaining (will avail) nor friendship nor intercession. Those who reject faith they are the wrong-doers (254)

ScenariosScenarios

Stay-at-home mom, student, and Stay-at-home mom, student, and working sisterworking sister

First two may only have a limited First two may only have a limited income and many expensesincome and many expenses

Working sister may have money, but Working sister may have money, but time may be a factor in spendingtime may be a factor in spending

How can they all ensure that they How can they all ensure that they spend in the way of Allah?spend in the way of Allah?

Solutions…Solutions…

Keep iman strongKeep iman strong Make infaq a priority even during these Make infaq a priority even during these

days of financial crisis days of financial crisis BudgetBudget Set priorities Set priorities Make a donation box at home Make a donation box at home If you buy something new, always donate If you buy something new, always donate

something old in its place something old in its place Donate clothes, time, food, etc.Donate clothes, time, food, etc.

Getting Others to DonateGetting Others to Donate

How do we get others to donate?How do we get others to donate? What are the fears of asking others to What are the fears of asking others to

donate? donate?  Two options: 1-give in and not ask 2-get up Two options: 1-give in and not ask 2-get up

and have courage and have courage  What are possible answers people give What are possible answers people give

when you ask them to donate:when you ask them to donate:– No No – Later/MaybeLater/Maybe– Yes!Yes!

Solutions…Solutions…

Learn how to handle the answer “no”Learn how to handle the answer “no” Make them believe in the cause of Make them believe in the cause of

the organization.the organization. Explain to them the rewards of the Explain to them the rewards of the

Akhira:Akhira:– How it is an investment in the AkhiraHow it is an investment in the Akhira– Allah becomes pleased with us Allah becomes pleased with us – Whatever we give is returned to usWhatever we give is returned to us

May Allah Ta’ala help us May Allah Ta’ala help us fulfill our dutiesfulfill our duties

Jazak Allah KhairJazak Allah Khair