Tatfif, Zakat, Sadaqah, and Baytul-Mal

    1.        Tatfif is an Arabic term which means deceit and cheating in this context it means cheating and deceiving people in business transactions which is done in the following ways:
i.                     The person will use a standard measures to buy grains, and when he sells he uses a sub-standard one thereby cheating the buyers. The person uses a scale to weigh sack of grains, while selling; he puts in the sack an object that will add weight to them so that he unduly gets better profit.
ii.                   It can also be by way of mixing good and bad products to deceive and cheat the buyer.
Some of the consequences of Tatfif in Islam
i.                     Tatfif is also prohibited by Allah. He promised to punish whoever engaged in it on the Day of Judgment.
ii.                   Economically Tatfif sends away customers if they discover that they have been cheated.
Application of lessons to daily life

i.                     Government can punish those who engage in Tatfif.
ii.                   Muslim traders could by themselves avoid the two Tatfif.
iii.                  Muslim trader could use standard measure and weighing instruments.
2. Importance of Zakah as an institution for social welfare.
Zakah is an economic system that de-emphasizes i.e. Zakah means a specified percentage taken from the wealth that has reached a certain amount and has been in one’s possession for up to one year.
i.                     Excessive love of wealth that is normally found in some economic system.
ii.                   Excessive greed that makes people to pile up wealth as it is found in some economic system.
iii.                  Hoarding of wealth and refusal to help others with it especially those eight categories of people mentioned by Allah (Q9:60)
Social benefits
i.                     It helps wealth to circulate within a society.
ii.                   It takes care of poor people.
iii.                  Reduces poverty in the society.
iv.                 It generates love for the rich from the poor.
3.Importance of Sadaqah for social welfare
i.                     Sadaqah means charity that is given to the needy and close relations and neighbors voluntarily.
ii.                   Sadaqah Janyatun is another form of Sadaqah. It means continuous charity.  This is because the giver receives continuous rewards as long as it benefits others e.g. public well, a tree bearing fruits e.t.c Waqf (Charitable bequest).
iii.                  Sadaqah
·         Generates love and goodwill l from the receiver.
·         Reduces tension in the society.
·         Inculcates generosity on the part of the giver.
4. Importance of Baytul-Mal as an Institution for the prosperity of the Ummah
i.                     Baytul-Mal (treasury) is the department of finance in which revenues accrue to the state are deposited its existence indicates organization of the Ummah.
Application of the principles of Zakah, Sadaqah to the Norms of the modern welfare states.
i.                     Muslims could borrow a leaf from welfare states to create funds for social welfare purposes through the collection of Zakat and Sadaqah.
ii.                   A separate committee for each unit will be effective.
iii.                  The fund could be used to take care of old people especially those who have no relations to take care of them.

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