Pambuyo pa kuona za kapelekedwe ndi kaonkhetsedwe ka Zakaat ya ndalama, in shaa Allah tiona za kawelengedwe ndi kaonkhetsedwe ka zakaat pa business. Ndipo tikhala tiona mbali izi

1. Zakaat ya business wamba ochulukawa.

2. Zakati pa nyumba ndi malo kapenaso ma galimoto ogulitsa.

3. Zakaat pa nyumba ndi malo kapenaso galimoto zopangitsa rent.

Tikugawa chuma chomwe zakaat iyenera kupelekedwa zakaat ma business ngati tikambe lerowa tinawaika pa katundu

Ndiye lero tangotenga kuti business chifukwa choti tinanena kuti mtumiki anati

‏ ﻟَﻴْﺲَ ﻋَﻠَﻰ ﺍﻟﻤُﺴْﻠِﻢِ ﻓِﻲ ﻓَﺮَﺳِﻪِ ﻭَﻏُﻼَﻣِﻪِ : ﺻَﺪَﻗَﺔٌ ‏- رواه ﻣﺴﻠﻢ

Palibe kupereka Zakaat kwa Msilamu pa chokwera chomwe amakwera kapena nyamata wake (kapolo)

Ndiye tinanena kuti pa Hadeeth imeneyo ma ulamaa akamba kut Zakaat isaperekedwe pa katundu yemwe munthu akugwiritsila ntchito ayi, koma katundu yemwe tikupangira business ndikumapeza ma profit. Chuma chimenecho ndi katundu ameneyo ndamene tikuyenera kuperekapo Zakaat.

1. Zakaat ya ma business wamba ochulukawa

Pa mawu oti ma business wamba ndikutanthauza ma business onse omwe chomwe timapanga ndi kuwoda katundu kenako kumugulitsa, Popanda kupanga china chake choonjezera

Komanso tikukamba ma business onse omwe timathandiza anthu iwo nkumatilipira ife nkumapeza ma profit

Awa ndiye ma business wamba omwe tikunena apa.

Ma business oterewa;

Zakaat iperekedwe ku mpamba komanso ma profit omwe akwana Nisaab komaso azungulira chaka

Imeneyi tiitenge ngati Qaidah (foundation) yomwe tizipelekera zakaat kuma business wamba athuwa.

Tsatanetsatane wake ali motere:

Munthu ukayamba business ndi capital yaikulu yoti yafika pa Nisaab kapena kuposera apo, uyilembe penapake. Ngati business yako ikupitilira osaduka mpaka chaka kutha, ndiye kuti capital ija idzakhala yathaso chaka; pamenepo ndiye kuti uzatengepo 2.5% pa ndalama ya capital yatha chakayo ndikupereka Zakaat.

Zimenezi udzapangebe ngakhake kuti capital yo imapunguka pomwe wayiodela chifukwa sikuti imakhala kuti yapungukadi ayi koma umakhala wayiika mu form ya katundu koma ili yomweyo.

Kenako ukayamba kumaseva kuma profit kapena capital yayamba kuchuluka, ndiye kuti chaka chikatha uzidzawonjezera value ya zakaat potengela value ya capital yomwe yachuluka komanso ma profit omwe waseva oti mpaka azungulira chaka.

Ngati capital yako sikukwana Nisaab ndiye kuti palibe kupereka Zakaat olo pazungulire chaka.

Chitsanzo 1

Chisomo anayamba business ndi ndalama zokwana 500,000 (yopitilira Nisaab) ndipo yatha chaka amayiodela ndikumapeza ma profit, koma sinapunguke pa imeneyi, kodi apeleke zakaat ndalama zingati?

Yankho

Ngati 500,000 yonseyo yatha chaka ndiye kuti achotsepo 2.5% ndipo ayipelekere Zakaat motere:

500,000 × 2.5÷100
=12,500

Ndiye kuti adzapereka MK12,500

Chitsanzo 2

Chaka chatha mu Ramadhan capital ya business ya Hassan inali 400,000 ndipo nkuti ku bank account kwake komwe amasungako ma profit kuli 50,000 yosunga.

Pomwe ikufuka Ramadhan ya chaka chino capital ya Hassan yafika pa 450,000 ndipo profit amaseva ija yafika pa 70,000 kodi apeleke zakaat ndalama zingati?

Yankho

Capital inali pa 400,000 ndipo yafika pa 450,000 ndiye kuti yazungulira chaka ndi 400,000 yokhayo.

Profit inali pa 50,000 ndipo yafika pa 70,000 ndiye kuti yazungulira chaka ndi 50,000 yokhayo.

Note

Ngakhake 50,000 ya ku profit payokha sikukwana Nisaab koma ili ku gawo la business ndipo yazungulira chaka ndiye kuti tiiphatikiza ndi capital ija

Ndiye kuti

400,000 + 50,000
=450,000

Imeneyi ndiye tiwelengerepo Zakaat

Ndiye kuti Chisomo apereke

450,000 ×2.5 %
=11,250

Mk11,250 ngati zakaat ya chaka chimenecho

Ndikhulupilira kuti zamveka bwino pamenepo.

Tilowe ku gawo la chiwiri lomwe timalizire Inshaallah.

2. Zakaat pa nyumba ndi malo kapenaso ma galimoto ogulitsa

Zakaat ya apa siikusiyana ndi ya pa business ya wamba kwenikweni ayi. Koma taliika gawo ili palokha pofuna kusiyanitsa ndi la nyumba, malo ndi ma galimoto opanga rent.

Ma galimoto ogulitsa ndi malo kapenanso ma nyumba ogulitsa akuyenereka kuti aperekedwe Zakaat onse.

Chifukwa ngakhale ali ma galimoto ndi nyumba, koma cholinga chake ndi business basi.

Tiyelekeze kuti

Chisomo waoda BMW pa mtengo wa 20 million ndipo yatha chaka asanaigulitse, kodi pamenepo atani?

Yankho

Apo ndiye kuti adzapereka 2.5% ya 20 million yo chifukwa ili ngati capital yomwe yamuzungulira chaka.

Ndiye kuti adzapanga

20,000,000×2.5%
=500,000

Ndiye kuti Chisomo adzatenga Mk 500000 ndikupereka Zakaat.

Umu ndimmene omwenso akugulitsa malo komanso ma nyumba azidzapangira.

Ngati Zakaat yawapeza ali ndi hard cash apereke kuchokera mu ndalama yomwe yazungulira chakayo.

Komanso ngati Zakaat yawapeza ali ndi katundu oti akuyembekezera kuti agulitse; awerengetsa value yomwe yazungulira chakayo.

Osaiwalaso ma profit ngati ena azungulira chaka.