Faith & Spirituality

Why Islam Made ZAKAT Obligatory & Declared WAR on RIBA!

Source: Towards Eternity   
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How long could you go without food? Ten hours? A day? For someone who has enough to eat, even a short period of hunger can feel overwhelming. Yet millions of people around the world live with chronic hunger as a daily reality.

At the same time, wealth has become increasingly concentrated. The gap between those who have enormous financial resources and those struggling to meet basic needs continues to shape societies around the world. The question is not simply why some people are rich and others are poor. It is whether the way wealth is distributed can ever be changed.

Islam addressed this question centuries ago through a system that places wealth alongside responsibility: zakat.

A Different Vision of Wealth

One of the most striking examples comes from the era of Umar ibn Abd al-Aziz. Historical accounts describe a period when officials actively searched for people who were poor, in debt, orphaned, oppressed or otherwise entitled to assistance. The goal was not simply to collect zakat, but to ensure that those who needed it actually received it.

The remarkable part of the story is what reportedly happened when there were no needy people left in a particular area. Zakat collected there could be sent elsewhere, because the local community had reached a level of prosperity where those eligible to receive it could no longer be found.

Whether we look at these accounts as historical examples or as a vision of what a just society should strive toward, they raise an important question: What would happen if wealth were treated not only as something to accumulate, but as something entrusted to us?

Zakat Is More Than Charity

Zakat is sometimes understood simply as charitable giving. But its meaning goes deeper.

For eligible wealth, zakat is generally calculated at 2.5 percent after the wealth reaches the required nisab threshold and remains above it for the relevant period. The material explains nisab in relation to the value of approximately 80 grams of gold.

Consider someone with $100,000 in qualifying savings. At 2.5 percent, the zakat would be $2,500. For the person giving it, that amount may represent only a fraction of their accumulated wealth. For someone facing hunger, debt or severe financial hardship, however, that same money can mean food, shelter, medicine or the ability to begin rebuilding a life.

The difference is not simply in the amount of money. It is in what that money can do.

Wealth Comes With a Responsibility

The Qur'an presents a powerful idea about wealth and those in need.

"And from their properties was given the right of the petitioners and the deprived."

Surah Adh-Dhariyat, 51:19

The verse changes the way we think about giving. A person in need is not merely someone waiting for the generosity of a wealthy person. Those who are entitled to zakat have a right within the wealth of those who possess it.

This creates a very different relationship between wealth and poverty.

Imagine a person sitting at a table overflowing with food while people nearby have not eaten for days. The problem is not simply that the hungry people lack food. The abundance at the table makes their deprivation even more visible.

Zakat asks the person at the table to recognize that abundance does not exist in isolation.

The Purification of Wealth

The word zakat carries meanings connected to purification and growth. Giving zakat is therefore not merely about transferring money from one person to another. It is also an act through which a Muslim purifies their wealth and fulfills an obligation toward others.

This is why poverty cannot simply be treated as someone else's problem.

In Surah al-Ma'un, Allah criticizes those who push away the orphan and fail to encourage the feeding of the poor. The message is deeply connected to how we respond to vulnerability around us.

The poor, the orphan, the person overwhelmed by debt and the family struggling after losing their home are not invisible parts of society. Their needs are part of the moral test of those who have more.

From Receiving Zakat to Giving It

One of the most beautiful possibilities within the zakat system is movement.

A person may begin as someone who needs assistance. With support, opportunity and stability, that same person may eventually reach a point where they are able to give zakat themselves.

This is very different from simply maintaining poverty at a manageable level.

The goal is not to create permanent dependence. It is to help people become stable enough to stand on their own feet.

When wealth reaches those who genuinely need it, it can be used for food, clothing, education, housing, healthcare, business and other necessities. In that sense, giving can become a pathway toward independence.

What Happens When Wealth Stops Moving?

There is another side to the question.

Money can become a means of living, building and helping others. But it can also become the goal itself.

Modern society constantly encourages people to earn more, own more and accumulate more. There is nothing inherently wrong with seeking wealth through permissible means. Islam does not prohibit prosperity. But wealth becomes dangerous when accumulation becomes the purpose of life.

A person can spend decades building an enormous fortune and eventually realize that they have spent much of their life protecting money they could never possibly use.

Meanwhile, somewhere nearby, a widowed mother may be struggling to feed her children. A family may be trapped in debt. Someone may have lost a home to a flood or fire. An elderly parent may need medication. A small business owner may have lost everything.

The contrast can be difficult to ignore.

Zakat and the Health of Society

The impact of wealth distribution is not limited to individual households.

When people who are struggling receive money, they tend to spend it on necessities. Food, clothing, medicine and other essential purchases put money back into circulation. That demand can encourage production and, in turn, employment.

There is also a social dimension.

Poverty does not automatically cause crime, and hardship never excuses wrongdoing. But severe financial deprivation can contribute to circumstances in which people become desperate. Addressing some of the underlying economic hardship can therefore be part of building safer and more stable communities.

Zakat is therefore not only about what happens between a giver and a recipient. It can shape the wider community.

A Different Definition of Success

Perhaps the deeper lesson is that Islam asks us to reconsider what wealth actually means.

A bank balance can tell us how much someone owns. It cannot tell us whether that wealth has benefited anyone else.

Islam does not ask Muslims to reject prosperity. Instead, it places prosperity within a framework of accountability. Wealth is a blessing, but it is also an amanah-a trust.

The question is therefore not simply, "How much do I have?"

It is also:

"What am I doing with what Allah has entrusted to me?"

Zakat provides one answer.

It reminds the wealthy that their possessions are connected to the wider community. It reminds those in need that they have dignity and rights. And it reminds everyone that wealth was never meant to become an idol.

In a world where enormous fortunes can exist alongside hunger and desperation, perhaps the most radical idea is not that wealth exists-but that wealth comes with responsibility.

And perhaps that is one of the lessons zakat was designed to make impossible for us to forget.
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