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CSS 2017Islamic StudiesQ. 2

Who are entitled to receive Zakat according to the Quran? Elucidating social impact of Zakat, clarify how can poverty be alleviated with its distribution in Islamic Society?

By CSS Nexus Team ·

Original CSS 2016–2022 Islamic studies paper

This answer to the CSS 2017 Islamic Studies paper (Q. 2) was written by the CSS Nexus team. Read the outline first, then see how each point is developed.

Outline

  • 1. Introduction
  • 2. Meaning and obligation of Zakat
  • 3. Recipients of Zakat in the Quran
  • 4. Social impact of Zakat
  • ✓Reduces inequality and class hatred
  • ✓Purifies wealth and character
  • ✓Builds brotherhood and social security
  • ✓Encourages circulation of wealth
  • 5. How Zakat can alleviate poverty
  • ✓Rehabilitation, not only relief
  • ✓Reliable collection and targeting
  • ✓Education, health and small business
  • 6. Historical example and Pakistan's experience
  • 7. Zakat beside other tools
  • 8. Conclusion

Answer

Introduction

Zakat is the third pillar of Islam and the most direct economic instrument in the Islamic system. The Quran mentions it alongside prayer many times, joining worship of Allah with service to His creation. It is a right of the poor in the wealth of the rich, not a favour. If collected honestly and distributed wisely, it can become a powerful tool for reducing poverty.

Meaning and obligation

Linguistically, zakat means purification and growth. In Shariah, it is a fixed share of wealth, commonly 2.5 per cent on savings and trade goods held for a lunar year above the nisab, given to prescribed recipients. Different rates apply to crops, livestock and some other assets.

خُذْ مِنْ أَمْوَٰلِهِمْ صَدَقَةًۭ تُطَهِّرُهُمْ وَتُزَكِّيهِم …

"Take from their wealth a charity by which you purify them and cause them increase…" (At-Tawbah 9:103)

Recipients of Zakat in the Quran

The Quran itself names eight categories, which leaves no room for rulers or collectors to use the funds as they please.

إِنَّمَا ٱلصَّدَقَٰتُ لِلْفُقَرَآءِ وَٱلْمَسَٰكِينِ وَٱلْعَٰمِلِينَ عَلَيْهَا وَٱلْمُؤَلَّفَةِ قُلُوبُهُمْ وَفِى ٱلرِّقَابِ وَٱلْغَٰرِمِينَ وَفِى سَبِيلِ ٱللَّهِ وَٱبْنِ ٱلسَّبِيلِ …

"Zakat expenditures are only for the poor and the needy, for those employed to collect it, for bringing hearts together, for freeing captives, for those in debt, for the cause of Allah, and for the stranded traveller." (At-Tawbah 9:60)

Eight Recipients of Zakat

  • Fuqara: the poor
  • Masakin: the needy
  • Amilin: zakat workers
  • Mu'allafat al-Qulub: hearts to be reconciled
  • Fir-Riqab: freeing captives
  • Gharimin: those in debt
  • Fi Sabilillah: the cause of Allah
  • Ibn al-Sabil: stranded travellers

The poor (Fuqara) and the needy (Masakin)

These are people unable to meet their basic needs. Jurists differ over which is worse off, but both are first in the list.

Zakat workers (Amilin)

Collectors and administrators may be paid from Zakat, even if they are not poor.

Those whose hearts are to be reconciled

These are people whose support for Islam or the community is sought. Hazrat Umar (RA) ceased such payments when he judged the need had ended, and jurists have debated how far this category continues.

Freeing captives (Fir-Riqab)

This originally meant freeing slaves. Many modern scholars apply it to prisoners of war and to the victims of bonded labour.

Those in debt (Gharimin)

This means people burdened with debts they cannot pay, provided the debt was not taken for a sinful purpose.

The cause of Allah (Fi Sabilillah)

Classical jurists mainly applied this to those engaged in jihad, while some later scholars widen it to include other religious causes.

The stranded traveller (Ibn al-Sabil)

This covers a traveller cut off from his means, even if he is wealthy at home.

Social impact of Zakat

1. It reduces inequality and class hatred

Wealth moves from those who have a surplus to those in need. The Quran states that wealth should not circulate only among the rich (Al-Hashr 59:7), and the poor are less likely to resent the rich when they receive what is rightfully theirs.

وَفِىٓ أَمْوَٰلِهِمْ حَقٌّۭ لِّلسَّآئِلِ وَٱلْمَحْرُومِ

"And from their properties was the right of the one who asks and the one who is deprived." (Adh-Dhariyat 51:19)

2. It purifies wealth and character

Giving treats greed in the rich and removes envy in the poor. The giver learns that wealth is a trust from Allah.

3. It builds brotherhood and social security

Zakat gives a community its own safety net for widows, orphans and the disabled. The Prophet ﷺ told Mu'adh (RA) that it is to be taken from the rich and returned to the poor of the community (Bukhari, Muslim).

4. It keeps wealth in circulation

Since idle savings are reduced each year by Zakat, owners have a reason to invest them. This supports employment and trade, while money given to the poor is spent in local markets.

5. It strengthens the state

Hazrat Abu Bakr (RA) was prepared to fight those who refused Zakat after the Prophet's ﷺ death, because it was central to the unity of the community.

How Zakat can alleviate poverty

Rehabilitation, not only relief

Hazrat Umar (RA) is reported to have told his officers that when they gave, they should give enough to make people self-sufficient. A recipient might be given a sewing machine, a rickshaw, tools or seed money, rather than a small monthly sum that keeps him dependent.

Accurate targeting

Reliable databases of the deserving are essential, so that aid reaches those who most need it, including those too dignified to ask. The Quran itself draws attention to such people (Al-Baqarah 2:273).

Honest and professional collection

Many people avoid official channels because they do not trust them. Audited accounts, published data and digital payments would build confidence.

Investment in people

Within the limits set by jurists, Zakat can support poor students, the medical treatment of the poor, and rehabilitation of those with disabilities, all of which address the causes of poverty.

Debt relief

Paying off the debts of small farmers and the bonded poor, under the category of Gharimin, can free whole families.

Local distribution

Zakat is best spent near where it is collected, since local committees know who is genuinely in need.

History and Pakistan's experience

Under Umar ibn Abdul Aziz, a period of honest administration, it is widely reported that collectors struggled to find enough eligible recipients in some regions. Allowing for the idealising tendency of historical reports, the example does show what honest collection can achieve.

Pakistan introduced compulsory deduction from certain bank accounts under the Zakat and Ushr Ordinance of 1980. The system has suffered from low coverage, avoidance through declarations and complaints of misuse, and after the Eighteenth Amendment much of the responsibility passed to the provinces. Private giving remains very large, and institutions such as the Akhuwat microfinance network and charity hospitals show that Pakistanis are generous when they trust the recipient. The lesson is that Zakat must be combined with sound targeting and with broader policy, such as the Benazir Income Support Programme, since it is meant to work alongside other public revenue and not to replace it.

Zakat beside other tools

Zakat alone cannot end poverty, and it was never the only tool. Islam also offers Sadaqat, Waqf, interest-free loans and rules on inheritance and fair trade, and the state keeps a duty to meet basic needs. For Pakistan, a realistic plan would link Zakat to public programmes. A shared database could prevent duplication with the Benazir Income Support Programme. Provincial committees could report openly on what they collect and spend. Part of the funds could support training in skills that local employers need, particularly for women in rural areas. Results should be measured by how many families leave the list of recipients, and not by how much money is handed out. This approach matches the aim of making the poor self-reliant, so that today's recipient can become tomorrow's giver.

Conclusion

The Quran names eight recipients, with the poor and needy at the head. Socially, Zakat narrows inequality, purifies character, builds solidarity and keeps wealth moving. It can reduce poverty in an Islamic society when it is collected honestly, targeted accurately and used to make the poor self-reliant. Its success depends on trust, so Pakistan's first task is to make its Zakat institutions transparent and accountable.

The writer can be reached at ma6749429@gmail.com

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