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In the Name of God بسم الله
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Miladiator

Must I Pay Khums

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According to Ayatollah Sistani:

1760. Khums is obligatory on the following seven things:

  • Profit or gain from earning.
  • Minerals.
  • Treasure trove.
  • Amalgamation of Halal wealth with Haraam.
  • Gems obtained from the sea diving.
  • Spoils of war.
  • As commonly held, a land which a zimmi (a non-Muslim living under the protection of Islamic Government) purchases from a Muslim.

Now I happen to be a University student, the only income I have is pretty much from Student Finance and so unless I may have accidentally taken this ruling out of context it seems to me that I do not need to pay khums.

Having said that I of course very much doubt that is the case and I have also forwarded this question to Sistanis office but nevertheless, just out of interest, what would your opinion be on this matter?

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From what I understand, whatever you have saved in one year's time (thus is 'profit' from your earnings because you did not use that money) you must pay the 1/5 of that saved money (not gross income).

It probably is better for someone with more knowledge to answer, but that is what I know. Asking your marja is best.

Good luck!

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As you said you are on student finances (by this i imagine you mean bank loan), technically you do not own anything at the end of the year even if something's left in your bank account, because this a debt you have to pay back for your student loan

It'll be interesting to hear the reply from Sayid Sistani's office

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Alsalam alikum,

Do you cut some money for saving every month?

Yes I do, it isn't an exact figure, just whatever I don't happen to spend. But it's every 4 months I get money not every month.

As you said you are on student finances (by this i imagine you mean bank loan), technically you do not own anything at the end of the year even if something's left in your bank account, because this a debt you have to pay back for your student loan

It'll be interesting to hear the reply from Sayid Sistani's office

The thing is it's actually a mix of loan money and my own money in my bank as about half the money I get from student finance isn't actually a loan. So what's more confusing for me is now, how do I calculate what money I have left is mine and what is the banks.

I'll be sure to post Ayatollah Sistani's reply once I receive it :)

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The thing is it's actually a mix of loan money and my own money in my bank as about half the money I get from student finance isn't actually a loan. So what's more confusing for me is now, how do I calculate what money I have left is mine and what is the banks.

I suggest that you make another account in the bank, so you can separate your own moeny & loan money, so you

can avoid this confusion.

Edited by Zahra1

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I suggest that you make another account in the bank, so you can separate your own moeny & loan money, so you

can avoid this confusion.

It's probably my best option but having said that I could then spend all my own money and keep what I've borrowed, basically putting myself in a position where I don't have to pay khums (supposing I don't have to pay khums on money which I have borrowed).

And also what makes me even more confused is that if we don't have to pay khums on money which we have borrowed FROM others then I assume we do have to pay khums on money which we have borrowed TO others? And if that's the case then I've borrowed quite a lot of money to my family so I could be in quite a financial dilemma...

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According to the office of Ayatollah Sistani:

Khums is not payable on loan that is used for annual expenses

So I take it any money that you are in possession of, whether it be yours or not, you pay khums for. I actually asked quite a detailed question so to have received such a simple answer still leaves me with many questions but I guess you wouldn't really borrow money and not spend it within a year anyway so I guess the answer makes sense.

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