Moral Directives for Spending

Directives of Islam to an Earning Individual

Encouragement for Welfare Spending 

“…Remember, the example of those who spend in the way of Allah is like that of a grain, which sprouts into seven ears, producing a hundred grains in each ear. Allah [by His mercy] increases manifold [the rewards of such deeds] for whom He wills. And Indeed, Allah is extremely bountiful [in rewarding His servants], fully aware [of your circumstances and deeds].” [Al-Baqara: 261]

“Those needy ones who are wholly wrapped up in the cause of Allah, and who are hindered from moving about the earth in search of their livelihood especially deserve help. He who is unaware of their circumstances supposes them to be wealthy because of their dignified bearing, but you will know them by their countenance, although they do not go about begging people with importunity. And whatever wealth you will spend on helping them, Allah will know of it.” [Al-Baqara: 273]

“Look, you are being called upon to expend in Allah’s Way, yet some of you are being niggardly, whereas the one who is niggardly is, in fact, being niggardly only to himself. Allah is Self-Sufficient. It is you who are the needy. If you turn away, Allah will replace you by another people, and they will not be like you.” [Muhammad: 38]

“(O Prophet!) Tell those of My servants who believe that they should establish prayer and spend out of what We have provided them with, both secretly and openly, before there arrives the Day when there will be no bargaining, nor any mutual befriending.” [Ibrahim: 31]

“Have you seen him who belies the rewards and punishments of the Hereafter? He it is, who drives away the orphan and does not urge giving away the food to the poor.” (Al-Ma’un: 1 – 3)

“Those who blame Muslims who give charity willingly and laugh at those who get nothing but with their hard labor, Allah will punish them for their laughing and for them, is the painful.” [Al-Tauba: 79]

Prophet Muhammad (pbuh) said: “Spend, and do not count, lest Allah counts against you. Do not withhold your money, lest Allah withholds from you. Spend what you can.” [Bukhari & Muslim].

Prophet Muhammad (pbuh) said: “The Lord’s commandment for every one of His slaves is, ‘Spend on others, and I will spend on you’.” [Bukhari & Muslim]

Attitude of the Giver of Charity

“Those who spend their wealth in the way of Allah and do not follow up their spending by stressing their benevolence and causing hurt, will find their reward secure with their Lord. They have no cause for fear and grief. To speak a kind word and to forgive people’s faults is better than charity followed by hurt. Allah is All-Sufficient, All-Forbearing. Believers! Do not nullify your acts of charity by stressing your benevolence and causing hurt as does he who spends his wealth only to be seen by men and does not believe in Allah and the Last Day. The example of his spending is that of a rock with a thin coating of earth upon it. When a heavy rain smites it, the earth is washed away, leaving the rock bare. Such people derive no gain from their acts of charity. Allah does not set the deniers of the Truth on the right way.” [Al-Baqara: 262 – 264]

Islamic View on Unscrupulous Consumption

“Give to the near of kin his due, and also to the needy and the wayfarers. Do not squander your wealth wastefully; for those who squander wastefully are Satan’s brothers, and Satan is ever ungrateful to his Lord.” [Al-Bani-Israel: 26 – 27]

“Do not keep your hand fastened to your neck nor outspread it, altogether widespread, for you will be left sitting rebuked, destitute.” [Al-Bani-Israel: 29]

“Those people, who when they spend, are neither extravagant nor miserly but keep the golden mean between the two (extremes).” [Al-Furqan: 67]

Prophet Muhammad (pbuh) said: “When you eat, drink, give charity and wear clothes, let no extravagance or pride be mixed up with what you do.” [Ibn Maja & Nasai]

Stinginess and Wealth Accumulation: Islamic View

“Those who do not spend their wealth that has been given to them by Allah must not think that it is good for them; indeed it is bad for them.” (Al-Imran: 180)

“… Allah does not love the arrogant and the boastful, who are niggardly and bid others to be niggardly and conceal the bounty which Allah has bestowed upon them. We have kept in readiness a humiliating chastisement for such deniers (of Allah’s bounty).” [Al-Nisa: 36-37]

Prophet Muhammad (pbuh) said: “Avoid doing injustice to others, for on the Day of Judgment, it will turn into manifold darkness, and safeguard yourself against miserliness, for it ruined those who were before you. It incited them to murder and treating the unlawful as lawful.” [Muslim]

Prophet Muhammad (pbuh) said: “There are two habits which are never present together in a believer, i.e. miserliness and bad manners.” [Tirmidhi]

Prophet Muhammad (pbuh) said: “When someone is made rich but he does not pay Zakat for his wealth, then on the Day of Judgment his money will be turned into a poisonous snake with two black spots on its head. It will coil around his neck and bite his cheeks and say: ‘I am your wealth, I am your treasure’. Then the Prophet recited verse Al Imran: 180.” [Bukhari]

Paying Zakat

“Say your prayers (Namaaz) and pay Zakat.” [Al-Muzammil: 20]

“Establish prayer and dispense the purifying alms (Zakat) and bow in worship with those who bow.” [Al-Baqara: 43]

Entrepreneurship Versus Dependency 

Prophet Muhammad (pbuh) said: “The upper hand is better than the lower hand (i.e. he who gives in charity is better than him who takes it). One should start giving first to his dependents. And the best object of charity is that which is given by a wealthy person (from the money which is left after his expenses).” [Bukhari]

Social Responsibility: Islamic View

Prophet Muhammad (pbuh) said: “If any Muslim plants something or sows seed from which a man, a bird or an animal eats, it counts as a charity for him.” [Bukhari & Muslim]

Communal Development: Islamic View

Prophet Muhammad (pbuh) said: “The best charity is that which is practiced by a wealthy person. And start giving first to your dependents.” [Bukhari]

Prophet Muhammad (pbuh) said: “To give something to a poor man brings one reward, while giving the same to a needy relation brings two: one for charity and the other for respecting the family ties.” [Ahmad, Ibn Majah, Nasai & Tirmidhi]

Utility and Satisfaction: Islamic View

Prophet Muhammad (pbuh) said: “Wealth is not in having vast riches, it is in contentment.” [Bukhari & Muslim]

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