Bank Account Details

A/C NameA/C No.BranchBankIFSC Code
Darul Khair3620327317RaiyamCentral Bank Of IndiaCBIN0282466

SDA Zakat Fund Policy

Darul Khair – Social & Development Alliance (SDA)

بسم الله الرحمن الرحيم

“Aur namaz qayam karo, zakat ada karo aur jo bhalai tum apne liye aage bhejoge, use Allah ke paas paoge.”

— Surah Al-Baqarah (2:110)

1. Ta’aruf (Introduction)

SDA (Social & Development Alliance), Darul Khair ka ek falahi project hai jo Qur’an-o-Sunnat ki taleemat ki roshni mein zaruratmand afrad ki madad ke liye qaim kiya gaya hai.

SDA Zakat Fund khaas taur par un logon ke liye hai jo qarz ke bojh (Al-Gharimeen) mein mubtala hain aur shar’an zakat ke mustahiq hain.

Is Fund ka maqsad qarzdaar mustahiq afrad ko maali sahara dena, unki pareshani kam karna aur unhe izzat ke saath zindagi guzarnay mein madad dena hai.

2. Shar’i Bunyad

Allah Ta’ala farmata hai:

“Innamas-sadaqatu lil-fuqara’i wal-masakeeni wal-‘aamileena ‘alaiha wal-mu’allafati quloobuhum wa fir-riqaabi wal-ghaarimeena wa fee sabeelillaahi wabnis-sabeel…”

“Zakat to sirf fuqara, masakeen, zakat collect karne walon, jin ke dil jodne hon, ghulamon ki azadi, qarzdaron (Al-Gharimeen), Allah ke raaste mein aur musafiron ke liye hai.”

— Surah At-Tawbah (9:60)

SDA Zakat Fund isi aayat mein bayan kiye gaye “Al-Gharimeen” ke masraf ko madde nazar rakh kar qaim kiya gaya hai.

3. Maqsad (Objectives)

  • Qarzdaar aur mustahiq afrad ki madad karna.
  • Unhein qarz ke bojh se nijaat dilane mein sahara dena.
  • Zakat ko uske shar’i masarif mein amanat ke saath istemal karna.
  • Donors ke amanat ko shaffaf aur zimmedarana tareeqe se mustahiq tak pohanchana.

4. Bunyadi Usool

  1. SDA sirf Zakat ko amanat samajh kar qabool karega.
  2. Zakat ka har rupiya sirf shar’i tor par jaiz masraf mein kharch kiya jayega.
  3. SDA Zakat Fund ka istemal sirf qarzdaar mustahiq afrad (Al-Gharimeen) ke liye kiya jayega.
  4. Har darkhwast ki tahqiq (verification) ke baad hi madad di jayegi.
  5. Har faisla insaf, shaffafiyat aur amanat ke usoolon ke mutabiq hoga.

5. Kaun Mustahiq Hoga?

Madad us shakhs ko di ja sakti hai jo:

  • Shar’an zakat ka mustahiq ho.
  • Jaiz wajah se qarz mein mubtala ho.
  • Qarz ada karne ki quwwat na rakhta ho.
  • Verification Committee uski zarurat ki tasdeeq kare.

6. Madad Ka Nizam

  • Madad SDA ke paas mojood Zakat Fund ke mutabiq di jayegi.
  • Kisi ko poori ya aadhi raqam dena Committee ki assessment aur Fund ki dastiyabi par mabni hoga.
  • Agar Fund kam hoga to zarurat aur priority ke mutabiq taqseem ki jayegi.
  • Kisi bhi applicant ko madad dena uska haq nahin, balkeh Committee ki tasdeeq aur Fund ki dastiyabi par mabni faisla hoga.

7. Zakat Ki Adaigi Ka Tareeqa

SDA Zakat ki raqam mustahiq shakhs ki milkiyat mein dega.

Yeh raqam:

  • Wapas lene ke liye nahin hogi.
  • Is par kisi qisam ka munafa ya shart nahin hogi.
  • Sirf Allah ki raza aur zakat ki adaigi ke maqsad se di jayegi.

8. Shaffafiyat (Transparency)

SDA:

  • Har donor ka record mehfooz rakhega.
  • Har mustafeed ki verification ka record rakhega.
  • Fund ka hisaab alag rakhega.
  • Zarurat par audit aur Shariah review karwayega.

9. Qur’an-o-Sunnat Ki Taleemat

(1) Zakat ka Hukm

“Aur namaz qayam karo aur zakat ada karo.”

— Surah Al-Baqarah (2:43)

(2) Qarzdaron ka Haq

“…wal-ghaarimeen…”

“Aur qarzdaron ke liye.”

— Surah At-Tawbah (9:60)

(3) Musalman ki Madad

Rasulullah ﷺ ne farmaya:

“Allah us bande ki madad karta rehta hai jab tak banda apne bhai ki madad karta rehta hai.”

— Sahih Muslim (2699)

(4) Takleef Door Karna

Rasulullah ﷺ ne farmaya:

“Jo kisi momin ki duniya ki koi takleef door karega, Allah Qiyamat ke din uski takleefon mein se ek takleef door karega.”

— Sahih Muslim (2699)

(5) Amanat Ki Adaigi

Allah Ta’ala farmata hai:

“Beshak Allah tumhein hukm deta hai ke amanatein un ke haqdar logon tak pohanchao.”

— Surah An-Nisa (4:58)

10. SDA Zakat Committee

Committee ki zimmedariyan:

  • Applications qabool karna.
  • Verification karna.
  • Mustahiq ka ta’ayyun karna.
  • Fund ki mojoodgi ke mutabiq madad ka faisla karna.
  • Records aur transparency barqarar rakhna.

11. Aham Shar’i Wazahat

SDA Zakat Fund ka maqsad qarzdaar mustahiq afrad ki madad hai.

Yeh Fund:

  • Loan (Qarz-e-Hasana) dene ke liye nahin hai.
  • Is ki raqam mustahiq ko zakat ke taur par di jayegi.
  • Is raqam ki wapsi ka mutalaba nahin kiya jayega.

Agar SDA bina sood ke wapas hone wala qarz dena chahe to us ke liye SDA Qarz-e-Hasana Fund alag qaim kiya jayega.

12. Vision

“Qur’an-o-Sunnat ki roshni mein Al-Gharimeen (qarzdaar mustahiq afrad) ki izzat ke saath madad karna, unhein qarz ke bojh se nijaat dilana aur zakat ko uske asal shar’i maqsad tak pohanchana.”

Dua

“Rabbana taqabbal minna innaka Antas-Samee’ul-‘Aleem. Wa tub ‘alayna innaka Antat-Tawwabur-Raheem.”

Allah Ta’ala SDA Zakat Fund ko apni raza ka zariya banaye, dene walon ki zakat qubool farmaye, aur qarzdaar mustahiq afrad ki mushkilat aasaan farmaye. Ameen.