Waqf

The Daily Reality offers scholarship for BUK students

The Daily Reality (TDR) online newspaper management is pleased to announce the opening of its Endowment Fund Program and invites eligible and interested applicants to apply.

In light of the recent rise in registration fees at Bayero University, Kano (BUK), TDR plans to offer a grant to students who have had their articles published on the platform as a way of support.

Thus, if you are a BUK student and have your article published by TDR, please, contact us via contact@dailyrealityng.com or thedailyrealitynews@gmail.com. Please, submit proof of your student status at BUK, such as a copy of your ID or admission letter, along with the title of your article. The application closes on July 16, 2023, at 11:59 pm.

Please, join us in supporting young people’s education. Every contribution counts.

Sincerely yours,

TDR Editorial Team

How to plan the prosperity of your family through Waqf  (II)

By Abdullahi Abubakar Lamido

Bleak Economic Future on Losing bread Winner

Think of it; the moment you die, the socioeconomic status of your children and wives changes. Your children (those young among them especially) become orphans, and your wives are called widows. While alive, you worked hard and earned for their feeding, clothing, shelter, education, healthcare and general wellbeing. The moment you die, they lose a breadwinner. If in your lifetime you have searched from the Islamic Sharī’ah, you would have learned the art and science of planning beyond your lifetime for these prospective widows and orphans. After relying on Allah, you would have built for them a prospect such that they would live a life of meaning, success, prosperity and contribution, insha Allah. And here comes the relevance of family waqf; waqf, in general, being the Islamic instrument for institutionalising philanthropy and ensuring perpetuity in giving!

Family Waqf as a superb socioeconomic institution enables one posthumously to maintain his parenthood and breadwinner status for his family, generates him reward permanently and preserves the dignity of his progeny everlastingly. In family waqf, you find one of the essential instruments for planning the future prosperity of your progeny.

Family Waqf as Solution

Family waqf, also called posterity waqf, is a kind of endowment created as a futuristic investment for the sustainable prosperity of the endower’s relatives or friends. It is often called a restricted waqf, distinct from a public waqf whose benefits go to an open class of beneficiaries. It can be for the immediate family; wives and children. It may also include parents. It can be made for the extended family, depending upon the financial capacity of the endower. One can make a family waqf for a child with a special need, say one with sickle-cell disease. The beneficiaries of a family waqf, in short, are those defined by the endower.    

Significantly, although the primary beneficiaries of this form of waqf are those pinpointed from the endower’s family, time may expand the scope of the recipients of its fruits. When, for example, the revenues generated from the waqf grow so large beyond the family’s need, or when the family gradually goes extinct after some long time, the waqf could be converted to a public waqf, expanding the coverage of those who enjoy its benefits. Therefore, what distinguishes a family waqf from a general public waqf is its scope of defined beneficiaries. Virtually all other rules of its governance are the same with public waqf. It can be made a direct waqf, one that creates direct benefits, on an investment waqf whose revenues are distributed to the designated recipients.   

Family waqf can be made for the provision of all forms of welfare and empowerment services for the family. It can be made for education, healthcare, feeding, clothing and other needs. It can also be made, specifically for the sponsorship of Hajj to family members. In this regard, instead of spending five million naira for two or three members of the family to perform Hajj this year, the same amount can be invested as a waqf, such that after its maturity, the proceeds from the investment waqf can be used to sponsor Hajj for a certain number of family members every year. With proper management and Allah’s barakah, instead of three family members, dozens of them can enjoy Hajj from the same seed money even long after the demise of the original donor. Waqf multiplies benefits and rewards manifold.

More often than not, you hear people complain over the demands of their family members overwhelming them even as they want to contribute. But little do they know they have a satisfactory answer in family waqf. For example, suppose you know you spend two million naira for the education of your children and extended family annually. Why not make an investment waqf so that the proceeds of the waqf relieve you of any spending in that direction in some years to come?

Form and Functioning of the Family Waqf

A person can build a rentable shopping complex, subscribe to Islamic bonds (Sukuk), buy shares of a halal company, and dedicate the same and profits thereof as a waqf for the education of his children and grandchildren. Likewise, one can build an orchard full of date trees, mango trees and other fruit-bearing trees, dedicating them as a waqf for the future specific or general financing of the needs of their children.

When the endower specifies in the waqf deed that it is only for the education of his children, then, as a rule, no part of the rentals shall be spent on other needs, just as the resources cannot be used to fund the education of children other than his, except when the yields grow far beyond the education of the designated siblings. If the endower dedicates it to education and healthcare, its proceeds cannot be diverted to feeding the family or other things except under absolute necessity. All this is to safeguard the sanctity of the waqf, ensure its sustainability, and guarantee the continuous flow of its yields in line with the overall goals and objectives for which it is created.

 The good thing is that, like all other waqfs, making it a family waqf makes the investment/asset inalienable. It prevents it from being counted among the inheritable wealth of the endower, as it will remain a separate entity that creates benefits perpetually to the entire qualified beneficiaries. The asset can neither be sold nor given as collateral. It remains a waqf asset. This way, even when the children need other things, they source them outside the waqf, allowing the waqf to maintain its defined purpose perpetually.  

The idea behind family waqf stems from Islam’s emphasis on ensuring the wellbeing of a person’s family and biological relations and the need to spend continuously on all aspects of their needs; spiritual, intellectual, biological, physiological, socio-cultural, and so on. Talking about spending, the Qur’an draws attention to prioritising spending on the family. When, for instance, the companions continued to ask the Prophet (SAW) how best to organise their spending, Allah intervened with a divine spending formula: that whatever you plan to spend for good or charity, direct it to your “parents, relatives, orphans, the needy and the traveller” (Qur’an 2: 215).

Your family, in short, occupies the first three spaces on your scale of spending preference. They are the primary beneficiaries of your giving, be it obligatory or voluntary. Now, if, as the Prophet declares, the most pleasing act in the sight of Allah is one that is perpetual and sustainable; then it becomes apparent that the most rewarding spending on the family is the “gift that keeps on giving”, that is a waqf that keeps bearing fruits to the family.

Start Early, Start Now!

It is important you begin the waqf plan early. Many people start their marital lives with moderate incomes, which, with little adjustments, a futuristic mindset and financial discipline, are sufficient to be divided into consumption, saving and little investments. However, financial shortsightedness often prevents them from allocating some portion of that “meagre income” to what would ease their financial burdens and create a sustainable flow of income – and reward- for themselves and their family in the future. Little do they realise that as their family grows, so do their financial burdens. If these are added to inflation and other economic unpredictables, the complexity of the situation worsens.

Many people do not also realise that the best immunisation from the negative socioeconomic consequences of shrinking disposable income is to begin early implementation of an effective financial plan. Many begin to regret when the regret cannot change anything; they would want to start to cry when the head is already cut off!  

So, plan for the future of your beloved wives, children and relatives. That is a Sunnah, a well-established one, for that matter. A viable and well-managed revenue-generating waqf can do that for you. You get double rewards; you safeguard your family’s future Islamically and earn rewards perpetually. Make an effective plan for their feeding, sheltering, education, medicine, and socioeconomic prosperity. Make a waqf for their Hajj, ‘umrah and general spiritual wellbeing. That is sunnatic. Do not miss the opportunity to practice this multidimensional Sunnah, the Sunnah of family waqf. Our dear mother and wife of the Noblest Prophet, Aisha, reports to us that the Prophet (peace be upon him) dedicated his seven gardens as waqf to benefit the clans of Banū Abd Muttalib and Banū Hāshim as recorded by Bayhaqi.

We also see emphasising family waqf in the guidance of the Prophet to his companions. After the revelation of the verse “By no means shall you attain righteousness/piety unless you spend of that which you love; and whatever good you spend, Allah knows it well” (3:92), Abu Talha met the Prophet and said, “This is what Allah has revealed, and the most treasured of all my wealth is this garden, Bayruhā’. I have set it aside as a adaqah to attract reward from Allah. Therefore, you should administer it the way you wish”. The Prophet was amazed by this gesture. And so he said, “Certainly your wealth is blessed. Having heard what you have said, I recommend that you dedicate it as a perpetual charity to your relatives”. Based on this Prophetic advice Abu Talhah made it a waqf for his close relatives and cousins (Bukhari and Muslim).

It is interesting also that most companions of the Prophet are reported to have implemented this Sunnah. For example, Caliph Abubakar dedicated a house as a waqf for his son, and Umar dedicated a waqf near Marwa to his son. Also, Zubayr endowed a house in Makkah, another in Egypt, and yet another in Medina as waqfs for his children. Amr b. ‘Āss endowed a house and another huge property in Mecca for his children, just as Hakīm b. Hizām also dedicated a house as a waqf in Mecca and another in Medina for his son. After reporting all of these, Ibn Qudamah says in al-Mughniy, “All this are intact till date”.

Family waqf is a Sunnah of the Prophet, his companions and generations of Muslims in the last fourteen centuries. It is a well-developed institution that grew as a robust instrument for family empowerment and societal development until it faced the orchestrated wrath of the colonial monsters. The colonialists saw it as an institution that gave families and societies independence against their mercilessness and hence officially abolished it in Muslim nations like Egypt, Morocco, and so on.

Sadly, there is hardly any evidence of its practice as enshrined in Islamic law and civilisation here in Nigeria. With the growing waqf awakening in Nigeria, one hopes that a new page would be opened for entrenching this all-important Islamic civilisational institution. The good news is that with each family doing it, we gradually build a new waqf generation. Through that, we give a big blow to poverty at family levels before we finally eject it out of our communities. The early we sow, the earlier we reap. The more we sow, the more we reap. May we begin this journey NOW.

Abdullahi Abubakar Lamido, Chairman, Zakah and Waqf Foundation, Gombe . He can be reached via lamidomabudi@gmail.com.

How to plan the prosperity of your family through Waqf  (I)

By Abdullahi Abubakar Lamido

Introduction

In today’s Nigeria, we experience a rapidly growing population at an average rate of 3% per annum. We currently have about 220 million citizens and still counting. Our population is projected to reach nearly 400 million in the next 28 years. It is factual also that the population growth is much higher in the Muslim communities of Northern Nigeria than in other communities in both the North and the South.

Due to many reasons, foremost among which is the widespread practice of Islamically permissible polygyny, our population grows exponentially. At the same time, little is done to plan the expansion of infrastructure and provide alternative ways of coping with the needs of the expanding population. An average Northern Nigerian man likes and practices polygyny (i.e. marries more than one wife). In addition, family planning and birth control are generally considered taboos. Families are, therefore, mostly large.

While the population is supposed to be a blessing, it can also be a curse if not well managed. It is clear also that most of the Muslim masses and a large chunk of the Muslim leaders, intellectuals and even religious scholars are oblivious of the long term consequences of an ever-growing population that is not matched with a corresponding sharī’ah-compliant solid plan for taking care of the education, health, food and other socioeconomic and religio-spiritual needs of the expanding population.

While few are partly aware of some of the projections related to population growth vis-à-vis the socioeconomic and other realities, we are largely oblivious of the need to develop Islamic oriented ways of building the society and coping with the socioeconomic challenges associated with our growing population and exponentially changing societal dynamics. Therefore, the issue can quickly become controversial during any discussion.

But a society that accepts, based on an interpretation of religious teachings and cultural beliefs, that polygamy – rather polygyny – should be widely practised and even encouraged should also be a society that always goes back to the scripture for proper guidance on how to manage polygamous families. Since, as a religious Ummah, we have accepted what Islam has provided for us of the permissibility of having many children, is it not also Islamically incumbent upon us to go back to the Qur’an and Sunnah to learn how to organise the social, educational, economic and other needs of our families? Within this context, I intend to introduce family waqf, an almost entirely unknown Islamic institution for organising and planning the prosperity of families in Nigeria.  

Unpleasant Consequences of Life without Planning

How often have you heard stories that end with statements like: “Allahu Akbar! Late Alhaji Adamu was a wealthy person, a kind, gentle, and successful businessman. But look at how his children are suffering…”; or “Can you remember Alhaji Mai-Turare: the owner of XYZ Business at Tudun Muntsira quarters? Do you know that this hopeless drug addict is his son! He dropped out of school and joined a team of hooligans…Allah ya sa mu gama da duniya lafiya (May we have a good end in this world)”. And similar stories?!

Those are recurrent stories in Northern Nigeria. You have several successful entrepreneurs or accomplished aristocrats and professionals who reached the zenith of fortune in their chosen businesses and professions and lived lives of accomplishment and contribution. However, shortly after their demise, their estates would be shared among their 30 heirs; four wives, over 20 children, etc. After a few years, those inheritors of enormous wealth would fall from the world of prosperity to that of harsh poverty.

Many people would be rich, with an ever-expanding flow of income in the booming years of their careers. Still, they would never think of making a sustainable investment for the future prosperity of their children, not even for their life after retirement. After the family has grown large, inflation has multiplied manifold, and life has become unbearably expensive against their sources of income which have rather contracted due to age and other factors; they turn from affluence to poverty, battling to settle even the most basic of their bills. They neither invested for their retirement nor made an ever-flowing investment for their second life, the eternal life after death.

They have no passive investments that generate income for them at old age, nor a waqf (endowment) that would continue to fetch them rewards even while in their graves. They have no plan for what would sustainably finance their family’s education, health, and other essential needs. And so the worst happens. And the whistle is blown for their final, inevitable transition to the next world, leaving their family in economic and financial confusion, which often spirals into other messes in the spiritual, social and mental spheres. Soon after dearth, history forgets them as they have left nothing that continues to fetch them rewards and people’s prayers, not even for their immediate family.

The Importance of Making a Financial Plan

But why is it essential to make a financial plan for your children’s and family’s future prosperity? Does that have any place in Islam? Sa’d b. Abu Waqqas was an uncle to the Prophet (peace be upon him). He was among the ten topmost companions that received glad tiding of a direct entry ticket to Paradise in one sitting. He was rich. Actually, very rich.

One day, during the farewell pilgrimage, the Prophet visited Sa’d on his sickbed. After exchanging greetings, Sa’d told the Prophet that I am seriously ill, as you can see. He apparently was doubtful of surviving that illness. He said, “And I am a very rich person, but there is no one to inherit my wealth except a single daughter.” He then asked if he could give two-thirds of his wealth to charity, leaving one-thirds for the daughter. The Prophet instantly replied with a quick “No”. “What of half?” The Prophet again said, “NO”! What of one-thirds?” Now, here is where the Prophet reluctantly approved by saying, “One-third! Even one-third is huge and too much”. Anyway, the Prophet followed this with a statement that deserves the attention of parents at all times; “It is better to die leaving your heirs in affluence than to leave them in poverty, so they continue begging people for alms”. 

Many lessons abound in the above conversation of great personalities. One, piety and affluence are never mutually exclusive; you can be profoundly pious and superlatively prosperous. Two, connected to this, enjoying worldly opulence does not preclude enjoying everlasting other earthly felicity. In fact, worldly riches are effective instruments for attaining success in the next world. This is clear in the stories of great companions like Abubakar Siddiq, Uthman Bin Affan, Abdurrahman and, of course, Sa’ad.

Significantly also, you can plan all of these for your loved ones beginning with your children and wives. Not only you can; you have to! This is Prophetic advice, if not an order. The Prophet (may peace be upon him) made it impermissible for a person, especially while bidding farewell to the world, having no chance on sight to go to the market and earn more resources from gifting out his fortunes lest he throws them into poverty after him.

In simple terms, what the Prophet wanted from us is to plan for making our children self-reliant, self-sufficient and socio-economically empowered. With this, instead of being dependent, they will be independent. We should try making them givers, not receivers, assets rather than liabilities. Ask yourself, if not for empowering the deceased person’s posterity, why would the Sharī’ah even prescribe the inheritance laws in the first place? And in the Hadith of Sa’d above, the Prophet wants us to understand that the philosophy behind inheritance itself is to plan for the sustainable prosperity and economic independence of the deceased’s heirs; leaving them with sufficient inheritable resources to make them rich (agniya’) as against poor (alah).  

Abdullahi Abubakar Lamido, Chairman, Zakah and Waqf Foundation, Gombe . He can be reached via lamidomabudi@gmail.com.

Waqf would have saved the situation!  

By Abdullahi Abubakar Lamido

Alhaji Abdullahi (not a real name) is a rich man from Northern Nigeria, famous for his multidimensional philanthropy. He was, at a time, among the three richest men in his town. He came from a polygamous family and was the 14th child of his dad. He was the only rich man. Being polygamous himself, he has close to 20 children from three wives. As the only well-to-do in his extended family, his house is like a local government secretariat, always jam-packed with visitors from among family members. This is in addition to dozens of his “sons and daughters” born by his brothers and sisters, who reside in his house, under his total care. But Alhaji takes care of them all; feeding, clothing, education, healthcare, Sallah clothes, etc. He does that with all pleasure. After all, he has the means, and of course, the heart, as a wealthy businessman.

Here is a religious, wealthy man and an influential politician cum Islamic scholar. He has built several schools and mosques, sponsored the education of many orphans, given capital to many people, sponsored the marriages of many poor girls, and sponsored dozens of people to hajj. He is one of the best philanthropists you can think of. After all, that is what is expected of an affluent Islamic scholar. His school was once among the best two primary and secondary schools in the town. When he singlehandedly built it about two decades ago (he had built others much earlier), he would pay teachers’ salaries, buy uniforms for the students, and give them other learning materials. He loves the Qur’an, being also a hafidh himself. And he would provide copies of the Qur’an to all the hundreds of his pupils. This is in addition to dozens of people who rely on him for their livelihood.  

As time went by, the “law of diminishing returns” began to affect his fortunes. Gradually, he began to withdraw the subsidies from the school due to continually decreasing income and ever-expanding family financial pressure. But he wanted to maintain the good deeds. Now the school needed expansion while his pocket had experienced contraction. He gave his big land close to the school for the purpose. But no funds to build it. So, he sold another land and built it. Note that the school fees could, at best, pay salaries and take care of the running cost. Every student pays. But it is a middle-class school, so the charges cannot be high. So, he went and sold another asset, built the classes. He sold another one again and again until virtually all the sellable assets became exhausted.

One day, while sitting at home, he saw his children returning before the school closing hours. “What is going on”? He asked them. They were sent home because they did not pay school fees. This happened when he was battling with how to feed his family and settle many other bills. Alhaji never envisaged a day when his fortune would dwindle to that level. Therefore, he did not save nor invest for that rainy day. He thought he would continue to secure contracts and earn considerable resources to fund his schools and even establish more. He, in short, did not benefit from the advice of a waqf expert who could have shown him the simple way of establishing an investment waqf, using a portion of his assets, that would perpetually generate a flow of revenues. The revenues could sustainably fund his schools and other charitable interventions. 

Waqf offers a variety of ways for planning the future of your family and supporting other charitable projects sustainably. For instance, the idea of an investment/productive waqf would have perfectly saved Alhaji Abdullahi from selling and reselling his properties to expand his school. As it is, there are two forms of waqf; direct and invest waqfs.

A direct waqf is one created to provide direct welfare and societal development services. Examples are mosques, boreholes, and tuition-free schools that offer direct benefits to designated beneficiaries. An investment waqf is a money generating waqf whose revenues are dedicated to financing defined welfare and socio-economic development projects. An investment waqf can be made to fund and maintain a direct waqf.

For instance, a well-managed orchard can be dedicated as waqf such that the revenues generated from the sale of its fruits will be used to finance a tuition-free school. So, when Alhaji Abdullahi built his school, which he wanted to be a subsidized one, he could have established an investment waqf that would mature and, within some time, continue to finance the school from its proceeds. His other assets would have been saved for other equally important purposes. He could as well have saved himself from the embarrassment of the failure to pay children’s school fees later in his life when the recession hit him.

For instance, nothing stops this rich man from building rentable shops or apartments and dedicating them as waqf, such that what they generate would be divided into two; half reinvented and the other half injected into supplementing what is generated as school fees. He could as well have purchased shares of a halal company and dedicated the investment as a waqf for funding the school waqf. This way, the waqf corpus would continue to expand, and its revenues would grow sustainably. What started as a small waqf can grow into a megaproject that benefits society on a larger scale. Not only subsidies, the investment, if properly managed by trustworthy investment experts, would have funded the construction of more and more schools and the provision of scholarships, among others.

 So, if he provided subsidies at the beginning of the school, part of such funds would have been invested, and gradually he could withdraw the subsidies as the returns from investment take over the funding of the school. This way, his children could have become permanent beneficiaries of the scholarship provided by the waqf of their formerly wealthy father. Better still, he could have simply established a family waqf (a topic for another day) specifically for his children. Waqf, in short, could have saved the situation

Abdullahi Abubakar Lamido is the Chairman, Zakah and Waqf Foundation, Gombe. He can be reached via lamidomabudi@gmail.com.

Gombe: Zakah and Waqf Foundation empowers women

By Nabeela Usman El-Nafaty

The 5th set of the beneficiaries of the Women Empowerment Program under the Zakah and Waqf Foundation, Gombe, have undergone a semi-final graduation ceremony on Sunday, March 13, 2022. The main graduation ceremony and inauguration of the new empowered (6th Set) is expected to hold after Ramadan.  

The beneficiaries who were inaugurated on February 14, 2021, numbering 88, were each given N10000 start-up capital. Those who reached the finish line were about 40. The ceremony had the attendance of the Chairman of the Foundation, the Heads of Women Empowerment, Education and Training, and the Chairperson of Wadata Multipurpose Cooperative Society (WAMCOS), among others. 

Malama Maryam Yaya, the Head of Women Empowerment, gave the welcome speech. She thanked the beneficiaries for their doggedness in completing a full year of biweekly meetings, savings and enlightenment, as they saved close to N1,200,000 since February 28, 2021.

The Chairman of the occasion, Vice-Chairperson of the Foundation, QS Ahmad M. Kabir, prayed for the Foundation and thanked its head for her tireless efforts to keep the program alive and functioning.

The VC’s speech was followed by the keynote address by the Chairman of the Foundation, Ameer Abdullahi Abubakar Lamido. He gave a detailed speech about the next level of their empowerment, including joining the WADATA Women Cooperative Society.

The Chairperson of WAMCOS, Malama Hanne Abdullahi, was the next on the podium where she welcomed the successful beneficiaries into WAMCOS. She emphasized the need to come to monthly meetings and make monthly savings regularly. She also introduced to them the idea for ‘special savings’, which is usually for long-term plans like the wedding of a daughter, registration fee of kids, hajj savings etc. 

The event’s highlights were feedback from the beneficiaries about how the Empowerment Program benefitted them in ways beyond measure. One of the beneficiaries, Kulu Muhammad, from Tudun Wada of Gombe, said that the programme was “like a person on a standstill in total darkness, and then someone comes with torchlight and shows him the way out of the darkness.

Another highlight of the event was the presentation of gifts to the most outstanding beneficiaries in performance, determination, frequent attendance to meetings, and savings. 

The beneficiaries were allowed to come and pick from items of their choice, including food flasks, clothes, kids’ wear, Hijabs, and shoes donated by some officials and volunteers of the Foundation. No one among the attendants of the graduation went home empty-handed. There were smiles everywhere and prayers to the Foundation for more success and greater heights.

From Proliferating Worship Places to Empowering Worshippers: A Reflection on Philanthropic Reprioritization in Nigeria (II)

By Abdullahi Abubakar Lamido

A person who sponsors and takes good care of a single orphan is assured of a mansion in the choicest quarters of Firdaus at the centre of the Prophet’s Estate, enjoying their eternal life as a neighbour to the Infallible Master (sallalahu alaihi wa sallam). In the Hadith of Bukhari, the Prophet says, “The caretaker of the orphan and I will enter paradise like this, raising (by way of illustration) his forefinger and middle finger jointly, leaving no space in-between.”

A community flooded with orphans and vulnerable children with no access to food, clothing, shelter, education, and medicare; orphans whose neglect aggravate their vulnerability to all sorts of socio-economic dangers; should prioritise taking care of them. If competing in building mosques even where there is less need is to get paradise, why not also invest in this sure way to Heaven?

And, why not consider endowments for fighting hunger also? When a person asked the Prophet, what is the best act in Islam, the Prophet mentioned two actions: “To feed (others) and to greet those whom you know and those whom you do not know” (Bukhari). And the Prophet also counted “feeding others” among the surest ways to paradise, alongside spreading salam, strengthening kinship ties and night prayers. Why not, then also emphasise in our society, making endowments for feeding the needy and the millions of the malnourished and unnourished children as a guaranteed path to paradise? 

My honest opinion is that rather than rebuilding or redecorating some mosques, we need to invest more in empowering our imams and their followers. We can all see how the “imamdom” is gradually being saturated with incapable scholars leading ignorant followers in prayers within well-decorated mosques. As if we have forgotten that giving quality education and “beneficial knowledge” to people is itself a sustainable afterlife investment, one that may even often have more multiplier effects and trickle-down effects in terms of fetching rewards perpetually and building the Muslim community progressively.

If one sponsors a young man to become an Islamic scholar and imam, anytime this trained scholar preaches and teaches, the sponsor has a reward commission. And when the students of the imam teach or use the knowledge, the sponsor is assured of a commission. It continues in that way till “the end of history”! So, if the search for reward is what makes us race in building worship places, then so should building qualitative worshipers. We should, in fact, see the creation of generations of qualitative Muslims as a “blue ocean”; a virgin and highly underexplored otherworldly investment opportunity.  

Some may remind us that the Prophet’s first thing after hijra was to build a mosque. True. But that was first because there was none. And secondly, this mosque, as a primary symbol of Islam, was built for companions who were well educated in Makkah before migration, plus the Medinan community that was also educated by no other scholar than the great Mus’ab bin ‘Umayr.

In any case, the Prophet built the mosque because it was a priority by all standards; there was a need. And so immediately after that, he also paid attention to other developmental matters, including socio-economic priorities like establishing the Medinan Market (Suq al-Madinah). He also immediately began calling companions to “purchase” homes in Jannah through addressing human needs. That was how Uthman got an edifice in Jannah by purchasing the well of Ruma and dedicating it as waqf. That was how Abu Talha got Paradise by committing a waqf of his garden to benefit the needy and his poor relatives.

In fact, as recorded, most rich companions got their direct entry admission to Jannah through spending on human needs; Uthman bought and did waqf of the Ruma well, Umar dedicated the Thamqh garden for the poor, wayfarers and the rest, and the list goes. Little did we remember that in addition to doing a waqf of his mosque, virtually all the other waqfs of the Prophet were for welfare and socio-economic empowerment. 

We need to discuss whether building the Muslims and making them self-sufficient should continue to receive our philanthropic priorities or building mansions in the name of mosques – even where there is less need – which would mostly be populated by undedicated, hungry, dirty and largely ill worshippers. Building worship places is undoubtedly required, guaranteed key to paradise, ceteris paribus. It is, however, one of many means to getting admission to paradise. Why, then, should we not start to amplify other keys to paradise, especially those in some contexts such as ours that may appear weightier on the scale of Muslim priorities?

It is not in the interest of Islam to have dirty looking Muslims attending multimillion naira mosques. Islam wants educated, neat, tranquil, self-sufficient, qualitative Muslims whose worship is knowledge-based. So, when some philanthropists focus on building worship places, others need to invest in other equally rewarding endeavours. Wherever we have no worship place, it is a collective duty upon the community members to initiate one. However, where we already have one, we must prioritise other joint obligations; taking care of the orphans, the poor and widows being one of them. We can do it through building revenue-generating waqfs that can perpetually help the poor and everlasting generate rewards to the donor.

Abdullahi Abubakar Lamido is the Chairman Zakah and Waqf Foundation Gombe, Nigeria. He can be reached via lamidomabudi@gmail.com.

Why Not Just Make a Waqf Now?

By Abdullahi Abubakar Lamido

I begin, after praising Allah and sending blessings to the beloved Prophet peace be upon him, with three stories from Nigeria. They are all real. The first is of a rich man who died and was survived by a wife and her two children. His estate included mansions in choice areas, high worth investments, company shares, farmlands, etc. This “beloved” wife was advised to make a waqf (perpetual charity) of just a mosque as a source of everlasting reward for the late husband from the hard-earned wealth he spent his life gathering. She was reminded that less than one per cent of his wealth could do it.  The wife answered in one word: “Impossible”! Rather, she offered to cook rice and beans every Friday and give to the begging Almajiris around as sadaqah. To be fair to her, she did so for some months until she met a new darling husband with whom she now enjoys her inherited, halal fortune! End of story!

The second story is that of a religious and highly influential personality who died and left behind several sons and daughters, all of whom had already grown wealthy and influential. The deceased’s bosom friend, who was the custodian of many of his possessions, approached the heirs. He pinpointed a plot of land in a choice area in one of the largest Nigerian cities and offered that if they would designate it as a perpetual charity, he would build an ultramodern Islamic centre there as a waqf for their late father. This, he said, was to create a ceaseless flow of rewards to their late father. Alas! To his face, they simply said no! And the rest is history.

The third is the story of a woman philanthropist who was the wife of an influential person. She was known for her dedication to building mosques, schools, among other charitable interventions. After her demise, the husband learned of several uncompleted mosques and schools that were part of her charitable initiatives. He called her children to a conference and suggested that from her inheritable wealth, they should dedicate what would be enough to complete such ongoing projects. And what a small portion of her wealth was that! They unanimously rejected his offer, departing in a “just give us our money” mood. It was the father who used his resources to finance the completion of the projects. I gather that he was lucky to have learned some lessons here and begin to emulate his late philanthropist wife. He actually increased his budget for Islamic philanthropy as he was already known for charity also. May Allah accept it for him, and for her.

I am sure by now you, my dear reader, have started to recollect several similar stories you have heard on several occasions or which might have even happened close to you. I also have many to share. But these ones suffice as examples. At least for now. What lesson, then, have you learned from this?

Now, remember the Prophetic hadith in which he explains that the moment a person dies, his reward fetching deeds terminate except three; waqf or perpetual charity being the first of them. The other two reward sources are the prayer of a pious child and beneficial knowledge. Interestingly, in the hadith is an equitable distribution of reward sources of some sort. The wealthy folks no doubt have access to the “lion share” in terms of perpetual charity. Beneficial knowledge is the share of the scholars essentially. For the non-rich, non-scholar believer, giving a good upbringing to his/her children guarantees them prayers from pious children and a continuous flow of reward.

Many owners of surplus resources miss the opportunity of making a waqf due to procrastination and other flimsy considerations. By doing so, they deny themselves the most important investment of their lifetime. How can Allah give you the opportunity of making an investment that may pass a millennium fetching you rewards only for you to refuse to do so? Daniel Crecelius explains to us that several waqfs, created for the provision of various social, religious, educational, economic and welfare services free of charge to the public, have survived for five centuries, and some for over a millennium. Now! Imagine yourself, in your grave, receiving “alerts” of rewards daily while charting with the Angels! Can you imagine the amount of reward you would earn by continuously creating benefits, solving problems, drawing happiness to thousands or millions of needy and poor lives for decades, centuries or even a millennium after your departure from this deceptive world? Consider the following stories.

You already know the third caliph of the Prophet, Uthman bin Affan (may Allah be pleased with him). After the migration to Medina, access to water became a great challenge for the believer. They had to buy from a Jew who owned a well called Ruma. The Jew was so wicked, charging exorbitant prices, and making life difficult for the believers. The solution was for the Muslim community to own it. The Prophet peace be upon him announced a guaranteed direct entry certificate to Jannah for whoever purchased it. Uthman did. He surrendered it as a waqf. People now could get water at zero cost. This charity became blessed and continued to expand. During the Umayyad period, it began to grow date palm trees in its surroundings. Many grew. The Ottoman Empire paid particular attention to developing the trees generating income from them. The returns would then be shared into two; a portion distributed as charity and the other saved. Later, the Saudi Arabian authorities opened a bank account in the name of Uthman Bin Affan. They save half of the returns and distribute half in charity. As the savings grew, a hotel was built in Medina, still in the name of Caliph Uthman. Half of the returns is reinvested while the other half, amounting to about 500 million Riyals annually (equivalent to about USD14 million) is distributed in charity. 1400 years of ceaseless reward, thanks to waqf!

Then the story of the great philanthropist, lady Zubaiyda, daughter of Ja’far al-Mansūr, granddaughter of the second Abbasid Caliph Abū Ja’far al-Mansūr; wife of the 5th Abbasid Caliph Hārūn al-Rashīd and mother to the 6th Abbasid Caliph, al-Amīn. Although she died in 216 AH (832 CE) in Baghdad, her source of reward is still yet to! In 186 AH (802 CE), she visited the Holy land as a pilgrim. She then noticed the serious difficulty people experienced in Mecca vis-à-vis accessing water. There were no reliable wells and springs from where to fetch portable water. The people rather relied on rainfall or poor wells that were irregular in providing water. She then ordered her treasurer to look for “world-class” engineers and professionals from different cities to embark on the work of constructing a befitting well. Having observed how difficult the project would be due to the nature of the soil which was rocky and hard, she declared her readiness to pay a dinar for every single digging, until they reached water level. Soon, highly professional engineers and experts flooded Mecca and started work, surveying between hard rocks until they were able to sink the well. In the end, they parted with the dinars and she parted with the never-ceasing reward! She dedicated the well as a waqf for the residents and visitors of Mecca. Water became abundantly available. Water scarcity became history.

But not only this. Zubayda also did a waqf for the waqf; waqf of rentable houses and landed properties for the maintenance of the water wells.  The ‘Ayn Zubaydah has been described as the largest waqf known in history in terms of the cost of its capital, the magnificence of its design, as well as its contributions to welfare in a sustainable manner. Importantly, the Well of Zubaydah, as it came to be known, has remained functional and productive to date. About 1200 years? It is being utilized by the people of the city as well as visiting pilgrims to the Holy land.

Dear reader! Make a waqf. Look around you. Investigate; what is the greatest problem of the poor around you? Food? Water? Lack of a clinic? Lack of a school for their children? Lack of capital for the poor widows who need money-generating ventures? Make a waqf to provide a sustainable solution for them. Build a plaza, a shopping complex, a rentable house, a garden or buy shares and dedicate as waqf for funding such charitable courses. Do not wait for your wife to make sadaqah of rice and beans for you on Fridays! If you want to enjoy your wealth perpetually, why not just make a waqf NOW?

 

Abdullahi Abubakar Lamido is the Chairman, Zakah & Waqf Foundation, Gombe, Nigeria. He can be contacted via lamidomabudi@gmail.com.

 

Making Waqf a serious business in Nigeria

By Abdullahi Abubakar Lamido

 

Waqf, translated as Islamic endowment, simply means a perpetual charity. As a strategic Islamic socio-economic institution, it entails dedicating a benefit-creating or revenue-generating asset for the sustainable provision of free public services to the society – especially for the less privileged. It can be created by an individual, a group of individuals, a corporate body or even a governmental institution. Waqfable asset is that which is legally owned by the endower and is cable of perpetually creating benefit or generating revenues which would be channelled to defined religious or charitable purposes.

From the dawn of Islam passing through the periods of the companions, Umayyads, Abbasids, Ayyubis and the Ottomans, waqf was maximally utilized as a unique instrument for addressing virtually all aspects of societal religious, economic, educational, healthcare and environmental development needs. In fact, what “substantial historical evidence” suggests, as established by Islamic economic historians like Murat Cizakca and before him, Marshall G.S. Hodgson, is that, “waqf, not zakah was the most important institution for redistribution of wealth” in Muslim history.

Historically, waqf has sufficiently financed virtually all aspects of public welfare and developmental needs, especially education and healthcare. To wit, in the area of education, it was used for building schools, libraries, laboratories, student hostels and lodgings for teachers, scholars and researchers. It also funded scholarships, payment of teachers’ salaries and the provision of food, clothing, learning and instruction materials as well as creating conducive teaching-learning atmospheres. Great Muslim Universities were built as waqfs and have continued to be substantially financed from waqf proceeds. It grew so ubiquitous that “A person can be born in a house belonging to a waqf, sleep in a cradle provided by that waqf, be educated in the school of the waqf and read the books provided by it, become a teacher in the waqf school, earn a waqf-financed salary and at his death be placed in a waqf-provided coffin for burial in a waqf cemetery”.

Relating to health, waqf has been used to build hospitals, clinics and medical laboratories which provide a wide range of free medical services, including surgery. It is documented that it was due to the advancement in service provision through waqf that the need was not even felt for governmental ministries or departments for education and health, as these were fully financed by waqfs.

Education and health were not the only areas of waqf interventions. Waqfs sustainably financed all forms of social, economic and community development services including transportation, environmental protection and beautification among others. At some historical epochs, various Muslim nations relied on waqf sources for a substantial portion of their national income.  Waqfs were used to finance the building and maintenance of mosques, traveller’s lodgings, orphanages, bridges, water-wells, public conveniences, soup kitchens, roads, street lights and gardens.  In fact, in many Muslim communities, waqfs were created for the sustainable provision of all conceivable public welfare services. Until the colonization of Muslim societies, waqf remained a significant contributor to socio-economic development in many Muslim countries. It was colonialism that changed the subject of the formula.

Having realized how waqf provided social, cultural and economic independence to especially Muslim scholars and intellectuals, who incidentally were usually the most resilient class against selfish imperial policies; the colonial “monsters”, implemented well-orchestrated policies that saw to the hibernation of the waqf sector. They syphoned many waqf assets, weakened many, deliberately rendered many irrelevant, and calculatingly destroyed the functioning and autonomy of waqfs by subjecting them to government control. They created governmental ministries that coordinate waqfs, with all the negative consequences of that.

Worth stressing is the fact that western imperialists destroyed the waqf system in Muslim lands only after they had already copied the concept from the Muslim Middle East through the crusaders, and then developed it as an instrument for financing developmental services. In her celebrated 1988 study titled “The Influence of the Islamic Law of Waqf on the Development of the Trust in England: The Case of Merton College”, Monica Gaudiosi established that it was actually the waqf institution that gave birth to the concept of Trusts and Foundations in the West.  Modified and enhanced waqf was used to establish great western institutions such as the Merton College which still shares clear similarities with the waqf institution. And except for a few changes in the English law of Trust, most features of waqf have remained unchanged in the western practice of Trusts till date.

Interestingly, for more than two decades now there has been a growing global waqf reawakening. From the Middle East to Africa, and from the West to the East, waqf consciousness has continued to balloon. Despite the big blow that colonialism did to the waqf sector, making it reduced to merely an atomized institution concerned with financing some aspects of the spiritualties, the global Muslim communities have now rejuvenated their commitment to reposition waqf as a dynamic Islamic, third sector socio-economic institution. Waqf is seen and promoted as an engine of poverty reduction, wealth creation and distribution, employment generation and socio-economic development. In 2016, the World Bank noted that if properly harnessed “even if partly”, waqf, alongside zakah, can eradicate poverty in Africa, the Middle East and Southeast Asia. For a long time, combine global assets are estimated to be close to USD 1 trillion and growing.

Conversely, the story of waqf in Nigeria is largely different from other Muslim communities like Turkey, Morocco, Egypt, Saudi Arabia, and even others like Malaysia, Indonesia and Singapore. Yes, waqf knowledge and practice have existed in Nigeria for well over a millennium. But for several reasons, including historical, it was not comprehensively institutionalized in Nigeria’s pre-colonial history as a holistic, comprehensive socio-economic institution that provides a wide range of public welfare and developmental services. Its knowledge and practice have largely been reduced to the religious waqf, mostly mosques, cemeteries and religious schools. Even these waqfs, hardly had other revenue-generating waqfs for their sustainable funding as obtained in other climes.

But why should waqf be of great significance to Nigerian Muslims? It is of course factual that poverty is largely a Muslim phenomenon in Nigeria. All official statistics show that the states with the highest poverty rate are the Muslim dominated states. The majority of the Muslim population live in sorry conditions of socio-economic deprivations; poverty, hunger, squalor, illiteracy and poor healthcare. Muslims account for the highest number of out of formal schools and vulnerable children. These – combined with other factors – have resulted in rising insecurity and underdevelopment. For long, the solution to this has been largely viewed by many as the sole responsibility of the government. Only a few have realized that while governments have a great responsibility, Muslims can only alleviate their sufferings if they explore, among other things, Islamic socio-economic institutions in addition to agitating for good governance.

One important instrument that can significantly reduce the poverty and socio-economic backwardness of the Nigerian Muslims is no doubt the waqf institution. The flexibility and dynamism of the waqf institution provide for the mobilization of diverse resources in the forms of cash, landed properties, real estate, and other resources, which would be developed and invested, such that their revenues and fruits would be channelled to developmental services.

Nigerian Muslims already have the potentials for this. The long history of Islamic belief and practice, the enthusiasm of the population towards anything connected to Islam, the high spirit of giving that exist within the rich, middle class and even the masses, the availability of Islamic intuitions such as mosques, Islamic schools and media channels, the prevalence of governmental and non-governmental zakah and waqf institutions, among others, all provide a handy infrastructure that can be explored and utilized in the campaign for a new holistic waqf regime in Nigeria.

Particularly, the growing atmosphere of waqf consciousness among the elites and Islamic scholars, as exemplified in the increased awareness creation and establishment of Islamic charitable foundations in especially the last five to seven years, all point to existing opportunities for making waqf a veritable instrument for socio-economic empowerment. All this can also be added to the vast arable land an array of professionals and intellectuals that the Muslim community is blessed with.  It is our opinion that with these and several other potentials, if philanthropic waqf were to be well studied, promoted, institutionalized and maximally harnessed and utilized, poverty would be largely reduced and socio-economic empowerment would be greatly triggered in Nigeria.

In this regard, there is the need to utilize several platforms for waqf discourse such that its potentials would be unearthed, its dimensions analyzed, its impediments examined; goals defined, priorities set and methods of actualizing the dream well spelt out. These platforms should bring together the Islamic scholars, business persons, professionals, community leaders and all important stakeholders to common thinking tables. In the light of this, the AZAWON Newsletter presents itself as a primary platform for debating, dialoguing and analyzing waqf matters (alongside other Islamic social finance instruments).

Scholars, intellectuals, professionals and other concerned citizens are therefore invited to continue contributing articles, reports (written, pictorial or otherwise), opinions, comments and all valuable information that can enrich and smoothen the journey to making waqf a serious business in Nigeria.

Malam Abdullahi Lamido is the Chairman, Zakah and Waqf Foundation, Gombe, Nigeria. He can be reached via lamidomabudi@gmail.com.