As a kind of solution for decreasing the financial problems of the Islamic society, especially those of underprivileged people, Islam has offered some ways that one of the most effective of which is Khums. In the literal sense, Khums in Islam means one-fifth of something and in the sharia of Islam is one of the most important financial mandatory rules and is generally defined as paying one-fifth of the remainder of your yearly income.

Generally speaking, Khums becomes obligatory in seven cases, but the one which is inscribed to income is considered as the most salient kind. In this case, one has to pay one-fifth of what has remained from his income after subtracting his own expenses on the exact date that he has paid Khums in the previous year; in other words, one should specify a date on which he would pay his Khums every year.

To Which Incomes Khums in Islam Belongs?

There are certain kinds of income that would make the payment of Khums obligatory: agricultural income, commercial and trading income, income earned through renting something (e.g., house, car, etc.), the income that one earns through working for someone else.

On the other hand, in some cases, paying Khums is not necessary anymore, including the inherited money, gifts, rewards, marriage portion (Mahrieh)[i], mortmain property (Waqf), borrowed money, money paid by the insurance company, money paid as a scholarship to university students, money the Khums of which has been paid once, etc[ii] [2].

To whom Should We Pay Khums in Islam?

Basically, Khums is divided into two parts, one is given to Imam – who is your Religious expert (Marja Taqlid) or other qualified religious experts - and the other part is for descendants of Prophet Muhammad (PBUH&HP) (Sadaat) who are poor, orphan or faced with difficulty on their journey.

Why Do We Pay Khums in Islam?

Generally speaking, paying Khums brings about two kinds of effects, in two scales: first of all spiritual effects upon each and second, financial advantages upon the whole society. 

1. Spiritual and Individual:

As one of the forms of serving God, Khums should be paid with the intention of Allah’s satisfaction; accordingly firm belief and true faith guarantees performing this task. What’s more, engaging in this activity will arise a sense of generosity and philanthropy in the person, wipes away greediness and avarice from his soul and provides the necessary condition for benefiting from Allah’s spiritual and material blessings.

Furthermore, by paying a certain amount of money to the religious experts (Marja Taqlid), one feels involved in the practice of spreading the religion and Islamic ideology in the society and will always remain in the right side, helping the people who follow God’s commands against those who have transgressed from His way.

Another result of performing the holy task of Khums is that it will make the person more financially organized and dutiful, feeling responsible for underprivileged Muslims in the society and striving in the way of Allah and His Prophet (PBUH&HP).

2. Financial and Social:

As we already know, one of the main reasons for sending prophets was to provide the necessary grounds for establishing social justice through people themselves. So, they brought many rules that would pave their way to achieve this aim, one of the most important of which is paying Khums.

In fact, Khums acts as an equalizer of wealth within the Islamic community; Each individual with the intention of God’s satisfaction and true faith, donate a part of the remainder of his earnings to one of the most reliable, faithful and God-fearing people in the society - religious expert - in order for him to spend it for the purpose of improving the society. 

Paying Khums provides the sufficient resources for the people who are engaged in preaching Islam in the world and in some way reinforce the Islamic government. This money will help religious experts to spend their time and energy in inviting people to religion, answering their doubts and clarifying Islamic rules and regulations for them.

Moreover, this holy task will simultaneously produce two effects in Islamic society: involving religious experts in people’s financial difficulties will result in a closer and stronger relationship between them on one hand, and being responsible to give certain amount of money away, on the other hand, will make people more attentive to one another’s problems, create a bond between different classes within the society and reduce the gap between them through fairly distributing the wealth. 

Notes:

[i]. A mandatory payment, in the form of money or possessions paid by the groom, or by the groom's father, to the bride at the time of marriage that legally becomes her property [1].

[ii]. It is noteworthy that the cases above are varied according to different religious experts.

References:

1. Mahr
2. Ayatollah Khamenei, Resale Amuzeshi (didactic treatise), Khums rules and regulations

Hajj literally means ‘heading to a place’. In Islamic terminology, however, it refers to the obligatory annual pilgrimage that Muslims make to Mecca with the intention of performing certain religious rites following the method prescribed by Prophet Muhammad (PBUH&HP) [1].

In essence, Hajj is man's evolution toward Allah. It is social worship that creates a relationship between God and His creatures and has different effects on Islamic society. The performance of Hajj simultaneously signifies many things; it is a show of history, the Islamic doctrine, and that of Islamic unity and brotherhood [2]. Hajj reinforces the religion, i.e., it makes millions of Muslims gather in Ihram; this gathering strengthens the relationship between the followers of Islam and makes their hearts grow closer.

The history of Hajj rituals goes back to the time of Prophet Adam, who was first entrusted by Allah to build the Kaaba, the House of Allah. He and his descendants were the first people to perform Hajj rites. The rites continued up until the time of Prophet Abraham who was ordered by God to rebuild Kaaba along with his son Ishmael:

“When we settled for Abraham the site of the House [saying], Do not ascribe any partners to Me, and purify My House for those who go around it, and those who stand [in it for prayer], and those who bow and prostrate” (22:26).

After building the Kaaba, Prophet Abraham would perform Hajj every year, and this practice was continued by his son after his death. However, gradually with the passage of time, both the form and the goal of the Hajj rites were changed. Kaaba had turned into a place of idolatry, and the people had totally abandoned the teachings of their leader, Prophet Abraham until the time came for his supplication to be answered:

“Our Lord, raise amongst them an apostle from among them, who should recite to them Your signs, and teach them the Book and wisdom, and purify them. Indeed You are the All-mighty, the All-wise” (2:129).

After a long time [i], a man by the name of Muhammad ibn ‘Abdullaah was born in the very city that Prophet Abraham had made this supplication. For twenty-three years, Prophet Muhammad (PBUH&HP) spread the message of monotheism (Tawhid) – the same message that Prophet Abraham and all the other Prophets carried – the most important message of Hajj.

Not only did Prophet Muhammad (PBUH) purify the Kaaba from idols and all the defilements, but he also reinstated all the rites of Hajj and banned all indecent and shameful acts. Consequently, Kaaba became the universal center for the Muslim worshippers of the only true God, once again [3].

Hajj Rituals

Annually, Muslims from all over the world are encouraged to participate in this great "pilgrimage" (Hajj). Everyone is considered equal. There is no discrimination on the basis of people’s race, sex, or social status.

There are secrets about Hajj exoteric rituals that are somehow beyond man’s understanding and so not easy for everyone to learn. Some steps of the Hajj rites are reminiscent of the events associated with Abraham, Ishmael, and his mother Hagar, and personify their self-sacrifice, altruism and struggle with Satan in the path of Allah [4]. This would help us understand the philosophy behind some of the acts performed in Hajj.

Ihram

The performance of Hajj begins at Miqat, a place where pilgrims should wear Ihram and from there go for Hajj or Umrah. Donning such unsewn white garments entirely distances man from material ostentations and engrosses him in a world of purity and spirituality. Clothes show individuality and distinction.

They create superficial barriers that separate man from man. The garments of Ihram, however, are the antithesis of that individualism. You join a mass and become nothing but a drop of water in an ocean that has no special identity of its own. Ihram clothing is also a reminder of shrouds that every human has to wear after death. This helps you assume your original shape as a man, just one of the “descendants of Adam” who will die one day.

Hajj is a movement that reminds us of our journey to Allah; “toward Allah is the destination” (24:42). In the state of Muhrim, There is no sex, no perfume, no shoes, no sewn clothes and headcovers for men, no face mask, no cutting of hair or nails, i.e., absolutely no signs of aristocracy or distinction; you don’t even look in a mirror to see your own image.

You don’t hunt any animal; you don’t uproot any plant. So you kill the tendencies of aggression by being peaceful to nature, and this continues until you perform all the rituals and come out of Ihram. All your selfish egos must be buried at Miqat. You witness your own body just like what it looks after death when it is being buried. By sacrificing your individuality, you focus on reality, the basic purpose for which you have been created – that is devoting yourself totally to Allah.

Circumambulation (Tawaf)

Positioned in the center, Kaaba is like a sun while the people are like stars traveling in their orbit of the solar system. Kaaba symbolizes the constancy and eternity of Allah. The moving circle of people represents the continuous activity and transition of His creatures.

This rite is actually the manifestation of Tawhid, the Oneness of God.  The heart and soul of the pilgrim should move around Kaaba, the symbol of the House of Allah, in a way that no worldly attraction distracts him from this path. Only Tawhid should attract him. Tawaf also represents Muslims’ unity. During Tawaf, everyone encircles Kaaba collectively.

There is no individual identification of men or women, black or white, red or yellow. The movement has transformed one ‘person’ into the totality of ‘people’ establishing the universality of the Islamic community with the goal of approaching Allah. Likewise, you must reject self-centeredness and step in the way of Allah, which is the way of people. In other words, to approach Allah, you must first genuinely become involved in people’s problems. This is how you are with the people and where you may approach Allah [5].

Maqam

After Tawaf, you have to perform two rak’at of prayer behind Maqam-e Ibrahim [ii] (Abraham's place of standing), which is a very blessed place for praying [6]. It is the nearest point to Allah. As a matter of fact, there is nowhere on earth where you get more rewards than this place for praying. The stone has the footprint of Abraham. He stood over this stone to lay the cornerstone (Hajar al-Aswad), to reconstruct Kaaba, and to pray [7]. By standing on the same stone, you vow to become like Abraham, the upright friend of Allah, who was uncompromising in his conviction of Tawhid [8].

Sa’y

Sa’y literally means to strive, to make an effort to reach an aim. Running between the mountains – Safa and Marwa – seven times, you act like Hagar, the mother of infant Ishmael. After Abraham left her and their son, near the valley of Mecca, Hagar had no food, no water, no shelter, neither for herself nor her child, but only uncompromising, relentless faith that the God of Abraham will not leave her and her son without sustenance.  

She started looking out for water, running to the top of the mountains, Safa and Marwa. But she did not find any water. She searched again and again. After running seven times between these two mountains, she came down from Marwa to check on her infant son when she heard the sound of gushing water coming from the sand he had dug under his heels. It was Zam-Zam, a sweet and life-giving fountain of water which was a gift from Allah to the mother and son, and all those who came later. So Sa’y is physical work. It is a struggle to satisfy your needs, and a way to achieve a better life.

The Stay in Arafat Plain

The name Arafat means acquaintance or cognition. There are a few beliefs for why this place has been given this name; in one of the most famous of which, it is held that Prophet Adam and his wife Eve met each other at this plain after they were separated for many years.

It was the devil (Iblis) who misled our forefather -Adam- by telling him to eat from the tree of eternity and possession and caused them to descend from Paradise [9]. They met in Arafat once again, where they became acquainted with one another and with their sins. They made supplications to God and sought His forgiveness. It was in the center of this plain where they were forgiven by Allah. In short, Arafat represents the beginning of man’s creation, that of our forefather Adam. Here you act like Adam or Eve and seek forgiveness for yourself and your loved ones [10].

The Stay at Mash’aril-Haram

Pilgrims of Hajj, returning from Arafat, spend the night between the 9th and 10th of Dhu al-Hijjah at Muzdalifah in the open air. It is here they gather pebbles to hurl at the pillars of Mina (Jamarat). The shortstop at Mash’ar may remind you of your short life on this earth! That you are only a moment of this eternal time. It is for you to think, to plan, to strengthen your spirit, to prepare yourself for the battlefield to fight with the devil. The verse below best describes the philosophy behind the stop at Mash’ar:

“Then when you stream out of Arafat remember Allah at the Holy Mash’ar, and remember Him as He has guided you, and earlier you were indeed among the astray” (2: 198).

Stoning the Pillars (Rami al-Jamrat)

At Mina, the longest and last pause occurs. Millions of freedom-fighters who refuse to obey any power except Allah crowd here.

It has been said that Satan appeared in front of Prophet Abraham at this place three times when he wanted to sacrifice his son under God’s command. Satan tried everything to put doubt in his mind, but Prophet threw seven pebbles at him each time and made him run away. The Devil also tried to pervert the mother and the son to prevent Abraham from obeying God’s command, but they stayed firm in their resolution.

This deed became so monumental that it was made a rite of Hajj to teach us that Satan tries to misguide one sometimes through the spouse or offspring and sometimes approaches directly. Only strong faith in Allah can save us from this evil influence.

Sacrificing an Animal (Qurbani)

During Hajj you are to:

Declare monotheism by Tawaf.
Exercise the struggle of Hagar by Sa’y.
Show the descent of Adam by going to Arafat from the Kaaba.
Show the philosophy of man's creation, the evolution of thoughts from pure science to pure love, and the ascension of the spirit from mud to God by going from Arafat to Mina.

The last stage of evolution and absolute freedom from earthly desires with full submission to Allah is here, in Mina. It was at this plain that both the father and the son - Abraham and Ishmael - had surrendered to Allah, where Abraham was being tested to see whether he was capable of overcoming his personal feeling of love for his son for the sake of Allah, to check whether he was prepared to sacrifice his son. But when he was ready, his Ishmael was returned unto him unharmed:

“O Abraham! You have indeed fulfilled the vision” (37:104).  

The lesson that would be learned here is if you love something more than you love Allah, then that thing has become your idol, and you must be ready to sacrifice that. You must be prepared to slaughter your worldly desires, worldly love, your Ishmael in Mina in order to be free from all worldly attachments. If you are, then slaughter a goat, sheep, ram, cow, or camel instead: “Thus do We reward the virtuous” (37:110).

“It is not their flesh or their blood that reaches Allah. Rather it is your God wariness that reaches Him. Thus has He disposed of them for your benefit so that you may magnify Allah for His guiding you. And give good news to the virtuous” (22:37).

Cutting Hair (Taqsir)

After sacrificing an animal, you are to spurn your earthly pleasures once again by shaving or trimming your hair [iii]. You become free from whatever that stands between you and God even if it is as small as superficial beauties.

You acknowledge the Divine beauty by putting aside your pride and arrogance, and cleanse your soul and spirit from impurities. Consequently, it is by this sheer servitude to Allah that you reach absolute freedom.

When you first approached Kaaba, you had not, by then, purified yourself. You were still impure and unconscious. In Arafat, you gained consciousness. In Mina, you purified yourself. So, this is appropriate that you do the Tawaf and Sa’y in the purified state once again before you complete your Hajj and totally come out of Ihram.

Circumambulation of Women (Tawaf-Un-Nisa)

It is obligatory for both men and women -either married or single- to perform Circumambulation of women (Tawaf-Un-Nisa). This shows the importance that Islam place on blissful married life and its effects on the family institution and the whole society.

Allah has made the husband promise to treat his wife well:

 “Treat them (wives) kindly” (4:19).

As soon as the Ihram clothing for Hajj is donned, the husband and wife become prohibited for each other till the end of the rituals. As a matter of fact, marriage (Nikah) bounds a man and a woman into a married couple; in the same way circumambulation of women (Tawaf-Un-Nisa) and its prayer again reinstate the relationship of the couple. The mistakes they have made in the past get pardoned, and they are given a chance to start a new relationship, to be very careful in performing all their duties in their married life and family unit.

This is the latter Tawaf of the Kaaba, performed after you return from Mina. In Mina, you have defeated Satan and renewed your ties with Allah by following the footsteps of Abraham before you return home. During the rituals of Hajj, you played the roles of Abraham and Hagar. Do not replace your role-playing to something else when you return. Like Hagar, always trust in Allah. Like Abraham's fight against oppression. Like Abraham be prepared to sacrifice your Ishmael, i.e., love or desires, for the sake of your faith. That is the essence of Hajj. You return to Allah the way He wanted you to be: a slave totally dedicated to his/her Lord.

Conclusion

During Hajj rituals, and before Muslims return home, they defeat Satan and renew their relationship with God. They learn always to have faith in Allah and to be prepared to sacrifice their desires for the sake of Him. The rites of Hajj remind us of the Islamic axioms, i.e., monotheism (Tawhid), prophethood (Nubuwwah) and the afterlife (Ma’ad).

They also indicate the importance of unity in the Islamic community. Ultimately, Muslims return home with a reserve of knowledge and experience to share with their society. If accepted by Allah, this holy experience could remain like a glittering beam in their whole life.

The Holy Prophet said: "The daily prayer, Hajj, circumambulation, and other rites are aimed at remembering Allah. But when there is no remembrance of Him in your heart, what value will your oral remembrance have?"

Accordingly, faith is based on three important stages; acknowledgment by heart, affirmation by words, and performance of the principles.

Notes:

[i]. According to some historical texts, after about more than three thousand years.

[ii]. A large stone on which Prophet Abraham stood while building the upper walls of Kaaba. It is believed that this rock was sent to Abraham from heaven along with three other rocks, the other one of which is the sacred black stone (Hajar al-Aswad).

[iii]. Women should not shave their heads; they only trim slightly at the end of the lock of hair. However Shaving the head is obligatory for men if it is the first time they are performing Hajj.

References:

1. History of Hajj
2. Hajj
3. History of Hajj
4. Circumambulating
5. (2:125)
6. (2:125)
7. the soul of Hajj
8. (20: 120,121,122,123) 
9. Hajj
10. (22:29)