Fiqh Rulings and Issues in the Light of Quran and Hadith, Issues of Zakat: Volume 01: Page 292
السلام عليكم ورحمة الله وبركاته
How much gold and silver is it permissible for a man to use?
وعلیکم السلام ورحمة الله وبرکاته!
الحمد لله، والصلاة والسلام علىٰ رسول الله، أما بعد!
It is permissible for a man to wear a silver ring because the Messenger of Allah ﷺ himself had a silver ring made and used it.
① It is haram for a man to wear a gold ring because the Prophet ﷺ forbade men from wearing gold jewelry, and he warned against it with strong words:
" يَعْمِدُ أَحَدُكُمْ إِلَى جَمْرَةٍ مِنْ نَارٍ ، فَيَجْعَلُهَا فِي يَدِهِ "
"If one of you were to deliberately take a live coal from the fire of Hell (by wearing gold) and put it on his hand (i.e., wear it)."
② If there is an extreme necessity, it may be permissible for a man to use gold, for example:
◈ To make a gold nose
◈ Or to use gold wire for dental fillings
Sayyidna 'Arfajah bin As'ad رضي الله عنه's nose was cut off on the day of the Battle of Kulab. He had a silver nose made, but it later developed a bad odor, so the Messenger of Allah ﷺ allowed him to have a gold nose made.
① It is permissible for women to wear gold and silver according to custom and tradition, because the Sharia has generally declared it lawful for women.
The Prophet ﷺ said:
"أُحِلَّ الذَّهَبُ وَالْحَرِيرُ لِإِنَاثِ أُمَّتِي, وَحُرِّمَ عَلَى ذُكُورِهِمْ"
"Gold and silk have been permitted for the females of my Ummah, and forbidden to its males."
③ There is no Zakat on women's gold and silver jewelry, provided that the jewelry is:
◈ Made for use
◈ For wearing
◈ Or for lending to someone
Because the Messenger of Allah ﷺ said:
"ليس في الحلي زكاة"
"There is no Zakat on jewelry."
Although this narration is weak, it is supported by the practice of the majority of scholars. Among the Companions رضي الله عنهم, this same opinion has been narrated from Sayyiduna Anas رضي الله عنه, Jabir رضي الله عنه, Ibn Umar رضي الله عنه, Aisha رضي الله عنها, and Asma bint Abi Bakr رضي الله عنها.
Imam Ahmad رحمه الله said:
"This was the opinion of these five Companions رضي الله عنهم. Also, this wealth does not increase, but rather depreciates. It is like clothes for use, slaves for service, and residential houses."
✔ If the purpose of making jewelry is:
◈ To rent them out
◈ To save them for a need or important task
◈ To invest in business/trade
◈ Or just to store and keep them safe
Then Zakat will be obligatory on such jewelry, because the original ruling is that Zakat is obligatory on gold and silver, and this ruling is only waived when the jewelry is for personal use or lending.
◈ However, the condition is that the jewelry itself reaches the Nisaab (minimum threshold), or reaches the Nisaab when combined with other wealth.
◈ And if it does not reach the Nisaab, then Zakat is not obligatory.
◈ Yes! If that gold is for trade, then Zakat will be due on its price.
It is forbidden for a Muslim to have gold and silver plating (polishing/coating) on walls or ceilings, or on parts of cars or their keys. Similarly, making a pen or inkwell of gold and silver or polishing them with gold and silver is also forbidden, because it involves extravagance and arrogance.
Likewise, making utensils of gold and silver or polishing them with gold and silver is also forbidden, because the Messenger of Allah ﷺ said:
"من شرب في إناء ذهب أو فضة، أو إناء فيه شيء من ذلك فإنما يجرجر في بطنه نار جهنم"
"The one who drinks from a gold or silver vessel, or from a vessel in which there is something of either of them (gold or silver), is filling his stomach with the fire of Hell."
The prohibition and severe warning against the use of gold for men is clear in the above narration. Despite this, it is regrettable that many Muslim men are seen wearing gold rings and chains on their chests. These people either do not care about this warning, or they are simply unaware of these hadiths.
Such people should repent from wearing gold jewelry and be content with silver rings, which Allah Almighty has made permissible for men. When the permissible is available, why choose the forbidden?
Allah Almighty says:
﴿وَمَن يَتَّقِ اللَّهَ يَجعَل لَهُ مَخرَجًا ﴿٢﴾ وَيَرزُقهُ مِن حَيثُ لا يَحتَسِبُ وَمَن يَتَوَكَّل عَلَى اللَّهِ فَهُوَ حَسبُهُ إِنَّ اللَّهَ بـٰلِغُ أَمرِهِ قَد جَعَلَ اللَّهُ لِكُلِّ شَىءٍ قَدرًا ﴿٣﴾... سورة الطلاق
"And whoever fears Allah - He will make for him a way out (2) And will provide for him from where he does not expect. And whoever relies upon Allah - then He is sufficient for him. Indeed, Allah will accomplish His purpose. Allah has already set for everything a [decreed] extent."
We ask Allah Almighty to grant us insight into the religion, a correct understanding of it, and the ability to act with sincerity.
Zakat is obligatory on merchandise. Allah Almighty says:
﴿خُذ مِن أَموٰلِهِم صَدَقَةً تُطَهِّرُهُم وَتُزَكّيهِم بِها ...﴿١٠٣﴾... سورة التوبة
"Take, [O, Muhammad], from their wealth a charity by which you purify them and cause them increase."
And Allah Almighty says:
﴿ وَفى أَموٰلِهِم حَقٌّ لِلسّائِلِ وَالمَحرومِ ﴿١٩﴾... سورةالذاريات
"And those within whose wealth is a known right. For the petitioner and the deprived."
Since most people's wealth is generally in the form of merchandise, it is primarily included in the general command of the aforementioned verses.
It is narrated from Sayyiduna Samurah bin Jundub رضي الله عنه that the Prophet ﷺ used to command us to pay Zakat on merchandise.
It is also clear that merchandise, like grazing animals, is wealth that grows, so Zakat is obligatory on it, provided that one year has passed on it. Many scholars have narrated consensus on this.
Shaykh al-Islam Ibn Taymiyyah رحمه الله states:
"The four Imams and other scholars of the Ummah (except for a few) agree that Zakat is obligatory on merchandise, whether the merchant is a resident or a traveler, and whether he is waiting for the price of the merchandise to increase, or is a shopkeeper, and whether the merchandise is new cloth or used, food and drink or fruits and flowers, pickles and preserves or anything else, earthenware (porcelain or ordinary), or slaves, horses, mules, donkeys, sheep and goats; whether they are fed at home or graze themselves—all are subject to Zakat, because the internal wealth of the people of every region mostly consists of merchandise, while their external wealth mostly consists of livestock."
① He must have become its owner through some action of his, such as:
◈ Buying and selling
◈ Accepting a gift
◈ Will
◈ Acquisition through wages
◈ Or through some other earning
② The ownership of this wealth must be with the intention of trade, i.e., the intention is to earn more wealth through it, because actions depend on intentions, and trade is also an action.
③ The value of this wealth should reach the Nisaab (minimum threshold) of gold or silver.
④ That one year should have passed on the wealth. The Messenger of Allah ﷺ said:
"لَيْسَ فِي مَالٍ زَكَاةٌ ، حَتَّى يَحُولَ عَلَيْهِ الْحَوْلُ"
"Zakat is not obligatory on wealth until a year has passed on it."
If someone buys other trade goods in exchange for the cash threshold of Zakat, or takes other goods in exchange for goods that have already reached the threshold, then the beginning of the year will be counted from the first wealth in exchange for which the new goods were purchased.
At the completion of the year, the current price of the trade goods should be assessed along with the currency, keeping in mind the welfare of the poor. If the total price reaches the threshold of gold or silver, then one-fortieth (2.5%) of it is obligatory as Zakat.
It should also be clear that the price that was a year ago will not be considered, but the current price will be valid; this is justice between the trader and the Zakat collector.
It is necessary for a Muslim to carefully calculate his trade goods when paying Zakat, and to count every single item in the shop/warehouse, for example:
◈ Various items of the general store (including items packed in boxes)
◈ All things, big and small
◈ Tools, machinery, spare parts
◈ Vehicles that are for sale
◈ Plots and buildings for sale
However, there is no Zakat on the original price of buildings, houses, and cars etc. that are for rent, but Zakat is due on their rental income, provided that one year has passed on the income.
Similarly, there is no Zakat on residential houses, essential items, and vehicles used for transportation.
There is also no Zakat on household or shop goods, and the tools of a merchant (measuring instruments, apothecary's bottles, etc.), because these are not kept for trade.
O my Muslim brothers! Pay Zakat with joy, after calculating it fully, with the intention of reward. Consider it a success for yourselves in this world and the Hereafter, and do not consider it a penalty or fine.
Allah Almighty says:
﴿وَمِنَ الأَعرابِ مَن يَتَّخِذُ ما يُنفِقُ مَغرَمًا وَيَتَرَبَّصُ بِكُمُ الدَّوائِرَ عَلَيهِم دائِرَةُ السَّوءِ وَاللَّهُ سَميعٌ عَليمٌ ﴿٩٨﴾ وَمِنَ الأَعرابِ مَن يُؤمِنُ بِاللَّهِ وَاليَومِ الءاخِرِ وَيَتَّخِذُ ما يُنفِقُ قُرُبـٰتٍ عِندَ اللَّهِ وَصَلَوٰتِ الرَّسولِ أَلا إِنَّها قُربَةٌ لَهُم سَيُدخِلُهُمُ اللَّهُ فى رَحمَتِهِ إِنَّ اللَّهَ غَفورٌ رَحيمٌ ﴿٩٩﴾... سورة التوبة
"And of the bedouins are some who consider what they spend as a loss and await for you turns of misfortune. Upon them will be the bad turn of fortune. And Allah is Hearing and Knowing. (98) And of the bedouins are some who believe in Allah and the Last Day and consider what they spend as means of nearness to Allah and of [obtaining] invocations of the Messenger. Unquestionably, it is a means of nearness for them. Allah will admit them to His mercy. Indeed, Allah is Forgiving and Merciful."
From this, it is known that both groups paid Zakat, but acceptance and reward with Allah will be according to the intention. The first group gave it merely to save their lives, considering it a penalty, and awaited a bad time against the Muslims, so they were deprived of reward and fell into loss. The second group was of believers, who gave Zakat to gain nearness to Allah and reward, so they will receive full recompense.
Allah Almighty says:
﴿ أَلا إِنَّها قُربَةٌ لَهُم سَيُدخِلُهُمُ اللَّهُ فى رَحمَتِهِ ... ﴿٩٩﴾... سورة التوبة
"Indeed, their spending is a means of nearness for them to Allah. Allah will surely admit them to His mercy."
O Muslim brother! Fear Allah and ponder well over the meanings of these verses.
Allah Almighty says:
﴿وَأَقرِضُوا اللَّهَ قَرضًا حَسَنًا وَما تُقَدِّموا لِأَنفُسِكُم مِن خَيرٍ تَجِدوهُ عِندَ اللَّهِ هُوَ خَيرًا وَأَعظَمَ أَجرًا وَاستَغفِرُوا اللَّهَ إِنَّ اللَّهَ غَفورٌ رَحيمٌ ﴿٢٠﴾... سورة المزمل
"And give Allah a good loan. And whatever good you put forward for yourselves - you will find it with Allah better and greater in reward. And seek forgiveness of Allah. Indeed, Allah is Forgiving and Merciful."
ھذا ما عندی والله اعلم بالصواب
Question
السلام عليكم ورحمة الله وبركاته
How much gold and silver is it permissible for a man to use?
Answer with the Help of Al-Wahhab, Assuming the Question is Correct
وعلیکم السلام ورحمة الله وبرکاته!
الحمد لله، والصلاة والسلام علىٰ رسول الله، أما بعد!
It is permissible for a man to wear a silver ring because the Messenger of Allah ﷺ himself had a silver ring made and used it.
Reference: Sahih al-Bukhari, al-Libas, Bab Khatam al-Fidda, Hadith 5866; and Sahih Muslim, al-Libas, Bab Lubs al-Nabi ﷺ Khataman min Wariq, before Hadith 2092
(1) Ruling on a Gold Ring and Gold Jewelry for Men
① It is haram for a man to wear a gold ring because the Prophet ﷺ forbade men from wearing gold jewelry, and he warned against it with strong words:
" يَعْمِدُ أَحَدُكُمْ إِلَى جَمْرَةٍ مِنْ نَارٍ ، فَيَجْعَلُهَا فِي يَدِهِ "
"If one of you were to deliberately take a live coal from the fire of Hell (by wearing gold) and put it on his hand (i.e., wear it)."
Reference: Sahih Muslim, al-Libas, Bab Tahrim Khatam al-Dhahab 'ala al-Rijal, Hadith 2090
(2) Permission to Use Gold for Men in Case of Extreme Necessity
② If there is an extreme necessity, it may be permissible for a man to use gold, for example:
◈ To make a gold nose
◈ Or to use gold wire for dental fillings
Sayyidna 'Arfajah bin As'ad رضي الله عنه's nose was cut off on the day of the Battle of Kulab. He had a silver nose made, but it later developed a bad odor, so the Messenger of Allah ﷺ allowed him to have a gold nose made.
Reference: Sunan Abi Dawood, al-Khatim, Bab Ma Ja'a fi Rabt al-Asnan bil-Dhahab, Hadith 4232; and al-Sunan al-Kubra lil-Bayhaqi, al-Salah, Bab al-Rukhsah fi Ittikhadh al-Anf, 2/425-426
(1) The Basic Permission for Women to Wear Jewelry
① It is permissible for women to wear gold and silver according to custom and tradition, because the Sharia has generally declared it lawful for women.
The Prophet ﷺ said:
"أُحِلَّ الذَّهَبُ وَالْحَرِيرُ لِإِنَاثِ أُمَّتِي, وَحُرِّمَ عَلَى ذُكُورِهِمْ"
"Gold and silk have been permitted for the females of my Ummah, and forbidden to its males."
Reference: Jami` at-Tirmidhi, al-Libaas, Baab Ma Jaa'a fil Hareer wal Zahab lil Rijaal, Hadith 1720; Sunan an-Nasa'i, az-Zeenah, Baab Tahreem Lubs az-Zahab, Hadith 5267; Musnad Ahmad 4/392-393, and the wording is his.
(2) The Issue of Zakat on Women's Jewelry
③ There is no Zakat on women's gold and silver jewelry, provided that the jewelry is:
◈ Made for use
◈ For wearing
◈ Or for lending to someone
Because the Messenger of Allah ﷺ said:
"ليس في الحلي زكاة"
"There is no Zakat on jewelry."
Reference: (Da'if) Sunan ad-Daraqutni 2/106, Hadith 1937
Although this narration is weak, it is supported by the practice of the majority of scholars. Among the Companions رضي الله عنهم, this same opinion has been narrated from Sayyiduna Anas رضي الله عنه, Jabir رضي الله عنه, Ibn Umar رضي الله عنه, Aisha رضي الله عنها, and Asma bint Abi Bakr رضي الله عنها.
Imam Ahmad رحمه الله said:
"This was the opinion of these five Companions رضي الله عنهم. Also, this wealth does not increase, but rather depreciates. It is like clothes for use, slaves for service, and residential houses."
Reference: Al-Mughni wa'l-Sharh al-Kabir 2/603-605 - with modifications. Many scholars are of the opinion that Zakat is obligatory on gold and silver jewelry, and their arguments are strong and more correct. (Sarim)
✔ If the purpose of making jewelry is:
◈ To rent them out
◈ To save them for a need or important task
◈ To invest in business/trade
◈ Or just to store and keep them safe
Then Zakat will be obligatory on such jewelry, because the original ruling is that Zakat is obligatory on gold and silver, and this ruling is only waived when the jewelry is for personal use or lending.
◈ However, the condition is that the jewelry itself reaches the Nisaab (minimum threshold), or reaches the Nisaab when combined with other wealth.
◈ And if it does not reach the Nisaab, then Zakat is not obligatory.
◈ Yes! If that gold is for trade, then Zakat will be due on its price.
Ruling on Gold and Silver Plating on Walls and Making Utensils
It is forbidden for a Muslim to have gold and silver plating (polishing/coating) on walls or ceilings, or on parts of cars or their keys. Similarly, making a pen or inkwell of gold and silver or polishing them with gold and silver is also forbidden, because it involves extravagance and arrogance.
Likewise, making utensils of gold and silver or polishing them with gold and silver is also forbidden, because the Messenger of Allah ﷺ said:
"من شرب في إناء ذهب أو فضة، أو إناء فيه شيء من ذلك فإنما يجرجر في بطنه نار جهنم"
"The one who drinks from a gold or silver vessel, or from a vessel in which there is something of either of them (gold or silver), is filling his stomach with the fire of Hell."
Reference: Sahih al-Bukhari, Al-Ashribah, Bab Aaniyat al-Fiddah, Hadith 5634; and Sahih Muslim, Al-Libas wa'l-Zeenah, Bab Tahreem Isti'mal Awani al-Dhahab wa'l-Fiddah, Hadith 2065, and the wording is his
The prohibition and severe warning against the use of gold for men is clear in the above narration. Despite this, it is regrettable that many Muslim men are seen wearing gold rings and chains on their chests. These people either do not care about this warning, or they are simply unaware of these hadiths.
Such people should repent from wearing gold jewelry and be content with silver rings, which Allah Almighty has made permissible for men. When the permissible is available, why choose the forbidden?
Allah Almighty says:
﴿وَمَن يَتَّقِ اللَّهَ يَجعَل لَهُ مَخرَجًا ﴿٢﴾ وَيَرزُقهُ مِن حَيثُ لا يَحتَسِبُ وَمَن يَتَوَكَّل عَلَى اللَّهِ فَهُوَ حَسبُهُ إِنَّ اللَّهَ بـٰلِغُ أَمرِهِ قَد جَعَلَ اللَّهُ لِكُلِّ شَىءٍ قَدرًا ﴿٣﴾... سورة الطلاق
"And whoever fears Allah - He will make for him a way out (2) And will provide for him from where he does not expect. And whoever relies upon Allah - then He is sufficient for him. Indeed, Allah will accomplish His purpose. Allah has already set for everything a [decreed] extent."
Reference: Al-Talaq 65/2-3
We ask Allah Almighty to grant us insight into the religion, a correct understanding of it, and the ability to act with sincerity.
Statement of Zakat on Merchandise
Zakat is obligatory on merchandise. Allah Almighty says:
﴿خُذ مِن أَموٰلِهِم صَدَقَةً تُطَهِّرُهُم وَتُزَكّيهِم بِها ...﴿١٠٣﴾... سورة التوبة
"Take, [O, Muhammad], from their wealth a charity by which you purify them and cause them increase."
Reference: Al-Tawbah 9/103
And Allah Almighty says:
﴿ وَفى أَموٰلِهِم حَقٌّ لِلسّائِلِ وَالمَحرومِ ﴿١٩﴾... سورةالذاريات
"And those within whose wealth is a known right. For the petitioner and the deprived."
Reference: Al-Ma'arij 70/24-25
Since most people's wealth is generally in the form of merchandise, it is primarily included in the general command of the aforementioned verses.
It is narrated from Sayyiduna Samurah bin Jundub رضي الله عنه that the Prophet ﷺ used to command us to pay Zakat on merchandise.
Reference: Sunan Abi Dawood, Zakat, Chapter: On merchandise, if it is for trade, is there Zakat on it? Hadith 1562
It is also clear that merchandise, like grazing animals, is wealth that grows, so Zakat is obligatory on it, provided that one year has passed on it. Many scholars have narrated consensus on this.
Shaykh al-Islam Ibn Taymiyyah رحمه الله states:
"The four Imams and other scholars of the Ummah (except for a few) agree that Zakat is obligatory on merchandise, whether the merchant is a resident or a traveler, and whether he is waiting for the price of the merchandise to increase, or is a shopkeeper, and whether the merchandise is new cloth or used, food and drink or fruits and flowers, pickles and preserves or anything else, earthenware (porcelain or ordinary), or slaves, horses, mules, donkeys, sheep and goats; whether they are fed at home or graze themselves—all are subject to Zakat, because the internal wealth of the people of every region mostly consists of merchandise, while their external wealth mostly consists of livestock."
Reference: Majmu' al-Fatawa by Ibn Taymiyyah 25/45
(1) Conditions for Zakat being obligatory on merchandise
① He must have become its owner through some action of his, such as:
◈ Buying and selling
◈ Accepting a gift
◈ Will
◈ Acquisition through wages
◈ Or through some other earning
② The ownership of this wealth must be with the intention of trade, i.e., the intention is to earn more wealth through it, because actions depend on intentions, and trade is also an action.
③ The value of this wealth should reach the Nisaab (minimum threshold) of gold or silver.
④ That one year should have passed on the wealth. The Messenger of Allah ﷺ said:
"لَيْسَ فِي مَالٍ زَكَاةٌ ، حَتَّى يَحُولَ عَلَيْهِ الْحَوْلُ"
"Zakat is not obligatory on wealth until a year has passed on it."
Reference: Sunan Abi Dawood, Zakat, Chapter on the Grazing Animal, Hadith 1573
If someone buys other trade goods in exchange for the cash threshold of Zakat, or takes other goods in exchange for goods that have already reached the threshold, then the beginning of the year will be counted from the first wealth in exchange for which the new goods were purchased.
(2) Method of Calculating Zakat
At the completion of the year, the current price of the trade goods should be assessed along with the currency, keeping in mind the welfare of the poor. If the total price reaches the threshold of gold or silver, then one-fortieth (2.5%) of it is obligatory as Zakat.
It should also be clear that the price that was a year ago will not be considered, but the current price will be valid; this is justice between the trader and the Zakat collector.
(3) Caution in Accounting
It is necessary for a Muslim to carefully calculate his trade goods when paying Zakat, and to count every single item in the shop/warehouse, for example:
◈ Various items of the general store (including items packed in boxes)
◈ All things, big and small
◈ Tools, machinery, spare parts
◈ Vehicles that are for sale
◈ Plots and buildings for sale
However, there is no Zakat on the original price of buildings, houses, and cars etc. that are for rent, but Zakat is due on their rental income, provided that one year has passed on the income.
Similarly, there is no Zakat on residential houses, essential items, and vehicles used for transportation.
There is also no Zakat on household or shop goods, and the tools of a merchant (measuring instruments, apothecary's bottles, etc.), because these are not kept for trade.
(4) Encouragement to Pay Zakat Gladly
O my Muslim brothers! Pay Zakat with joy, after calculating it fully, with the intention of reward. Consider it a success for yourselves in this world and the Hereafter, and do not consider it a penalty or fine.
Allah Almighty says:
﴿وَمِنَ الأَعرابِ مَن يَتَّخِذُ ما يُنفِقُ مَغرَمًا وَيَتَرَبَّصُ بِكُمُ الدَّوائِرَ عَلَيهِم دائِرَةُ السَّوءِ وَاللَّهُ سَميعٌ عَليمٌ ﴿٩٨﴾ وَمِنَ الأَعرابِ مَن يُؤمِنُ بِاللَّهِ وَاليَومِ الءاخِرِ وَيَتَّخِذُ ما يُنفِقُ قُرُبـٰتٍ عِندَ اللَّهِ وَصَلَوٰتِ الرَّسولِ أَلا إِنَّها قُربَةٌ لَهُم سَيُدخِلُهُمُ اللَّهُ فى رَحمَتِهِ إِنَّ اللَّهَ غَفورٌ رَحيمٌ ﴿٩٩﴾... سورة التوبة
"And of the bedouins are some who consider what they spend as a loss and await for you turns of misfortune. Upon them will be the bad turn of fortune. And Allah is Hearing and Knowing. (98) And of the bedouins are some who believe in Allah and the Last Day and consider what they spend as means of nearness to Allah and of [obtaining] invocations of the Messenger. Unquestionably, it is a means of nearness for them. Allah will admit them to His mercy. Indeed, Allah is Forgiving and Merciful."
Reference: At-Tawbah: 9/98-99
From this, it is known that both groups paid Zakat, but acceptance and reward with Allah will be according to the intention. The first group gave it merely to save their lives, considering it a penalty, and awaited a bad time against the Muslims, so they were deprived of reward and fell into loss. The second group was of believers, who gave Zakat to gain nearness to Allah and reward, so they will receive full recompense.
Allah Almighty says:
﴿ أَلا إِنَّها قُربَةٌ لَهُم سَيُدخِلُهُمُ اللَّهُ فى رَحمَتِهِ ... ﴿٩٩﴾... سورة التوبة
"Indeed, their spending is a means of nearness for them to Allah. Allah will surely admit them to His mercy."
Reference: At-Tawbah: 9/99
O Muslim brother! Fear Allah and ponder well over the meanings of these verses.
Allah Almighty says:
﴿وَأَقرِضُوا اللَّهَ قَرضًا حَسَنًا وَما تُقَدِّموا لِأَنفُسِكُم مِن خَيرٍ تَجِدوهُ عِندَ اللَّهِ هُوَ خَيرًا وَأَعظَمَ أَجرًا وَاستَغفِرُوا اللَّهَ إِنَّ اللَّهَ غَفورٌ رَحيمٌ ﴿٢٠﴾... سورة المزمل
"And give Allah a good loan. And whatever good you put forward for yourselves - you will find it with Allah better and greater in reward. And seek forgiveness of Allah. Indeed, Allah is Forgiving and Merciful."
Reference: Al-Muzzammil 73/20
ھذا ما عندی والله اعلم بالصواب