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💰سلسلة فتاوى الزكاة💰 @فتاوى العلماء 🌴

فتاوى العلماء 🌴 | United States America (US)

Create: 2021-04-25 Update: 2024-05-30 06:53:08

💰سلسلة فتاوى الزكاة💰

لفضيلة الشيخ العلامة محمد بن صالح العثيمين رحمه الله « 2 »
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📌.. ﺳﺌﻞ ﻓﻀﻴﻠﺔ اﻟﺸﻴﺦ -ﺭﺣﻤﻪ اﻟﻠﻪ ﺗﻌﺎﻟﻰ-: ﻣﺎ ﺁﺛﺎﺭ اﻟﺰﻛﺎﺓ اﻟﺘﻲ ﺗﻨﻌﻜﺲ ﻋﻠﻰ اﻟﻤﺠﺘﻤﻊ ﻭﻋﻠﻰ اﻻﻗﺘﺼﺎﺩ اﻹﺳﻼﻣﻲ؟

📌 ﻓﺄﺟﺎﺏ ﻓﻀﻴﻠﺘﻪ ﺑﻘﻮﻟﻪ: ﺁﺛﺎﺭ اﻟﺰﻛﺎﺓ ﻋﻠﻰ اﻟﻤﺠﺘﻤﻊ ﻭﻋﻠﻰ اﻻﻗﺘﺼﺎﺩ اﻹﺳﻼﻣﻲ ﻇﺎﻫﺮﺓ ﺃﻳﻀﺎ، ﻓﺈﻥ ﻓﻴﻬﺎ ﻣﻦ ﻣﻮاﺳﺎﺓ اﻟﻔﻘﺮاء ﻭاﻟﻘﻴﺎﻡ ﺑﻤﺼﺎﻟﺢ اﻟﻌﺎﻣﺔ ﻣﺎ ﻫﻮ ﻣﻌﻠﻮﻡ ﻇﺎﻫﺮ ﻣﻦ ﻣﺼﺎﺭﻑ ﻫﺬﻩ اﻟﺰﻛﺎﺓ، ﻓﺈﻥ اﻟﻠﻪ ﺳﺒﺤﺎﻧﻪ ﻭﺗﻌﺎﻟﻰ ﻗﺎﻝ ﻓﻲ ﻣﺼﺎﺭﻑ ﻫﺬﻩ اﻟﺰﻛﺎﺓ : {ﺇﻧﻤﺎ اﻟﺼﺪﻗﺎﺕ ﻟﻠﻔﻘﺮﺁء ﻭاﻟﻤﺴﺎﻛﻴﻦ ﻭاﻟﻌﺎﻣﻠﻴﻦ ﻋﻠﻴﻬﺎ ﻭاﻟﻤﺆﻟﻔﺔ ﻗﻠﻮﺑﻬﻢ ﻭﻓﻰ اﻟﺮﻗﺎﺏ ﻭاﻟﻐﺎﺭﻣﻴﻦ ﻭﻓﻰ ﺳﺒﻴﻞ اﻟﻠﻪ ﻭاﺑﻦ اﻟﺴﺒﻴﻞ ﻓﺮﻳﻀﺔ ﻣﻦ اﻟﻠﻪ ﻭاﻟﻠﻪ ﻋﻠﻴﻢ ﺣﻜﻴﻢ} ﻭﻫﺆﻻء اﻷﺻﻨﺎﻑ اﻟﺜﻤﺎﻧﻴﺔ ﻣﻨﻬﻢ ﻣﻦ ﻳﺄﺧﺬﻫﺎ ﻟﺪﻓﻊ ﺣﺎﺟﺘﻪ، ﻭﻣﻨﻬﻢ ﻣﻦ ﻳﺄﺧﺬﻫﺎ ﻟﺤﺎﺟﺔ اﻟﻤﺴﻠﻤﻴﻦ ﺇﻟﻴﻪ، ﻓﺎﻟﻔﻘﺮاء ﻭاﻟﻤﺴﺎﻛﻴﻦ ﻭاﻟﻐﺎﺭﻣﻮﻥ ﻷﻧﻔﺴﻬﻢ، ﻭاﺑﻦ اﻟﺴﺒﻴﻞ ﻭاﻟﺮﻗﺎﺏ، ﻫﺆﻻء ﻳﺄﺧﺬﻭﻥ ﻟﺤﺎﺟﺘﻬﻢ، ﻭﻣﻨﻬﻢ ﻣﻦ ﻳﺄﺧﺬ ﻟﺤﺎﺟﺔ اﻟﻨﺎﺱ ﺇﻟﻴﻪ : ﻛﺎﻟﻐﺎﺭﻡ ﻹﺻﻼﺡ ﺫاﺕ اﻟﺒﻴﻦ، ﻭاﻟﻌﺎﻣﻠﻴﻦ ﻋﻠﻴﻬﺎ ﻭاﻟﻤﺠﺎﻫﺪﻳﻦ ﻓﻲ ﺳﺒﻴﻞ اﻟﻠﻪ، ﻓﺈﺫا ﻋﺮﻓﻨﺎ ﺃﻥ ﺗﻮﺯﻳﻊ اﻟﺰﻛﺎﺓ ﻋﻠﻰ ﻫﺬﻩ اﻷﺻﻨﺎﻑ ﻳﺤﺼﻞ ﺑﻬﺎ ﺩﻓﻊ اﻟﺤﺎﺟﺔ اﻟﺨﺎﺻﺔ ﻟﻤﻦ ﺃﻋﻄﻴﻬﺎ، ﻭﻳﺤﺼﻞ ﺑﻬﺎ ﺩﻓﻊ اﻟﺤﺎﺟﺔ اﻟﻌﺎﻣﺔ ﻋﻦ اﻟﻤﺴﻠﻤﻴﻦ ﻋﺮﻓﻨﺎ ﻣﺪﻯ ﻧﻔﻌﻬﺎ ﻟﻠﻤﺠﺘﻤﻊ ﻭﻓﻲ اﻻﻗﺘﺼﺎﺩ ﺗﺘﻮﺯﻉ اﻟﺜﺮﻭاﺕ ﺑﻴﻦ اﻷﻏﻨﻴﺎء ﻭاﻟﻔﻘﺮاء، ﺣﻴﺚ ﻳﺆﺧﺬ ﻣﻦ ﺃﻣﻮاﻝ اﻷﻏﻨﻴﺎء ﻫﺬا اﻟﻘﺪﺭ ﻟﻴﺼﺮﻑ ﻟﻠﻔﻘﺮاء، ﻓﻔﻴﻬﺎ ﺗﻮﺯﻳﻊ ﻟﻠﺜﺮﻭﺓ ﺣﺘﻰ ﻻ ﻳﺤﺼﻞ اﻟﺘﻀﺨﻢ ﻣﻦ ﺟﺎﻧﺐ، ﻭاﻟﺒﺆﺱ ﻭاﻟﻔﻘﺮ ﻣﻦ ﺟﺎﻧﺐ ﺁﺧﺮ، ﻭﻓﻴﻬﺎ ﺃﻳﻀﺎ ﻣﻦ ﺻﻼﺡ اﻟﻤﺠﺘﻤﻊ اﺋﺘﻼﻑ اﻟﻘﻠﻮﺏ، ﻓﺈﻥ اﻟﻔﻘﺮاء ﺇﺫا ﺭﺃﻭا ﻣﻦ اﻷﻏﻨﻴﺎء ﺃﻧﻬﻢ ﻳﻤﺪﻭﻧﻬﻢ ﺑﺎﻟﻤﺎﻝ ﻭﻳﺘﺼﺪﻗﻮﻥ ﻋﻠﻴﻬﻢ ﺑﻬﺬﻩ اﻟﺰﻛﺎﺓ اﻟﺘﻲ ﻻ ﻳﺠﺪﻭﻥ ﻓﻴﻬﺎ ﻣﻨﺔ ﻋﻠﻴﻬﻢ، ﻷﻧﻬﺎ ﻣﻔﺮﻭﺿﺔ ﻋﻠﻴﻬﻢ ﻣﻦ ﻗﺒﻞ اﻟﻠﻪ، ﻓﺈﻧﻬﻢ ﺑﻼ ﺷﻚ ﻳﺤﺒﻮﻥ اﻷﻏﻨﻴﺎء ﻭﻳﺄﻟﻔﻮﻧﻬﻢ، ﻭﻳﺮﺟﻮﻥ ﻣﺎ ﺃﻣﺮﻫﻢ اﻟﻠﻪ ﺑﻪ ﻣﻦ اﻹﻧﻔﺎﻕ ﻭاﻟﺒﺬﻝ، ﺑﺨﻼﻑ ﺇﺫا ﻣﺎ ﺷﺢ اﻷﻏﻨﻴﺎء ﺑﺎﻟﺰﻛﺎﺓ، ﻭﺑﺨﻠﻮا ﺑﻬﺎ، ﻭاﺳﺘﺄﺛﺮﻭا ﺑﺎﻟﻤﺎﻝ، ﻓﺈﻥ ﺫﻟﻚ ﻗﺪ ﻳﻮﻟﺪ اﻟﻌﺪاﻭﺓ ﻭاﻟﻀﻐﻴﻨﺔ ﻓﻲ ﻗﻠﻮﺏ اﻟﻔﻘﺮاء، ﻭﻳﺸﻴﺮ ﺇﻟﻰ ﻫﺬا ﺧﺘﻢ اﻵﻳﺔ اﻟﻜﺮﻳﻤﺔ اﻟﺘﻲ ﺑﻬﺎ ﺑﻴﺎﻥ ﻟﻤﺼﺎﻟﺢ اﻟﺰﻛﺎﺓ، ﻳﻘﻮﻝ اﻟﻠﻪ ﺗﻌﺎﻟﻰ: {ﻓﺮﻳﻀﺔ ﻣﻦ اﻟﻠﻪ ﺇﻥ اﻟﻠﻪ ﻛﺎﻥ ﻋﻠﻴﻤﺎ ﺣﻜﻴﻤﺎ}.

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فتاوى ورسائل العثيمين | ج ١٨ ص ١٢
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Should You Buy Bitcoin?

In general, many financial experts support their clients’ desire to buy cryptocurrency, but they don’t recommend it unless clients express interest. “The biggest concern for us is if someone wants to invest in crypto and the investment they choose doesn’t do well, and then all of a sudden they can’t send their kids to college,” says Ian Harvey, a certified financial planner (CFP) in New York City. “Then it wasn’t worth the risk.” The speculative nature of cryptocurrency leads some planners to recommend it for clients’ “side” investments. “Some call it a Vegas account,” says Scott Hammel, a CFP in Dallas. “Let’s keep this away from our real long-term perspective, make sure it doesn’t become too large a portion of your portfolio.” In a very real sense, Bitcoin is like a single stock, and advisors wouldn’t recommend putting a sizable part of your portfolio into any one company. At most, planners suggest putting no more than 1% to 10% into Bitcoin if you’re passionate about it. “If it was one stock, you would never allocate any significant portion of your portfolio to it,” Hammel says.

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