Frequently Asked Questions (FAQ)

What is the Nawaal Fund?

The Nawaal Fund is a registered local charity which aims to use zakat and sadaqah donated from locals to provide financial assistance to poor and needy individuals living in Hackney, Newham, Waltham Forrest and other nearby neighbouring boroughs of Inner London. Our vision is to endeavour to provide for the essential and basic needs of locals by attempting to obtain donations from the local community, thereby creating a bond between local zakat/sadqah donors and our local needy. We feel it is essential that whilst giving financial donations to aid international relief efforts and the poor around the world, locals also have a religious and communal responsibility to help vulnerable people who live literally outside our own doorsteps.

Who are the named individuals behind Nawaal Fund?

The charity is overseen by trustees who are all prominent members of the local Hackney Muslim community:

  1. (Dr. Mufti) Abdur Rahman Mangera
  2. (Hafiz) Mohammed Sidat
  3. Yusuf Dana
  4. Eusoof Amerat

In addition to the trustees the organisation also has a number of other members who help with the day-to-day administration needs:

  1. (Hafez) Suleman Alibhai
  2. Shahid Malji
  3. Sajad Mir
  4. Yunus Kapadia
  5. Shaykh Khalil Ibn Elyas Laher (Newham)
  6. Imam (Muhammad) Shoyaib Nurgat (Waltham Forrest)

What type of assistance does the Nawaal Fund provide?

Those eligible to receive zakat will receive financial assistance to pay for food, clothing, debts, utility bills, rent, shelter, travel, childcare and other essential expenses. Assistance in most cases will not be in the form of direct cash but food, clothing vouchers and direct payments to debtors and landlords.

Nawaal Fund works with the welfare system

The welfare system in this country only offers financial assistance to those eligible to receive benefits. Where an individual is not eligible for welfare payments or the amount of welfare benefits received is not enough to meet their needs, and their net assets fall below the value of nisab, the Nawaal Fund may be able to provide financial assistance.

The Application Process

Who is eligible for Zakat?

A Muslim whose net assets are under the value of the current silver nisab and is struggling to meet their expenses. Such a person would be eligible to apply for zakat from the Nawaal Fund.

Example:

Fatima lives in private rented accommodation in Waltham Forrest. She has two childrenshe cares for from a previous marriage. She does not have permanent residency so is unable to claim any benefits. She receives £400 per month from her ex-husband via the Child Payments Agency. Her weekly rent is £150 per week. She has a total £180 in her bank and no other assets such as shares, jewelry, etc. She is always in rent arrears and struggles to take care of herself and her children. She has to rely on friends and family to help with food and clothing. Let’s say the silver nisab is currently £350. As Maria’s net assets i.e. her assets minus her debt/arrears, are under the nisab amount she would be entitled to zakat.

Who is eligible for sadaqah/lillah?

A person whose monthly income is above the value of the current silver nisab but is still struggling to meet their expenses- such a person would be eligible to apply for sadaqah/lillah from the Nawaal Fund.

Example:

Adam, 35, from South Tottenham, works in a full time job and earns an amount just about enough to meet his basic needs i.e. rent, food, utility bills and other basic household expenses. He has £500 in total in the bank and no other assets. He needs to replace 2 large kitchen appliances in his flat as both regularly breakdown. Replacing both would cost £250. However using most of his £500 savings would leave him very little savings to fall back on to meet any unplanned emergency expenditure. As Adam’s net assets i.e. his assets minus any debt, are over the rate of nisab he cannot apply for zakat but would be entitled to sadaqah/lillah. If he did spend £250 he would also be eligible for zakat.

How do I make an application?

To apply for assistance please complete the application form. Once completed, forms should be marked for the attention of ‘Nawaal Benevolence Fund’ and submitted in any of the following offices:

Madina Masjid

c/o Mohammed Sidat

2a Leabridge Road

Hackney E5 9QD

Masjid-e-Quba

70-72 Cazenove Road

Hackney N16 6AA

North London Muslim

Community Centre

66-68 Cazenove Road

Hackney N16 6AA


Madina Masjid. c/o Mohammed Sidat, 2a Leabridge Road, Hackney, London, E5 9QD


Masjid-e-Quba. 70-72 Cazenove Road, Hackney, London, N16 6AA


North London Muslim Community Centre. 66-68 Cazenove Road, Hackney,London, N16 6AA

If the form is handed in at any of these venues please ensure the form and documents are all in a single securely sealed envelope. Please note that these organisations have no formal links with the Charity. However, they have kindly agreed to act as a drop off point for applications. They cannot answer any queries related to applications. All queries should be sent directly to [email protected]

Assessment of applications

Verification Process

All applications go through a 4 step verification process ensuring the Fund makes its decisions based on accurate information.

  1. Each applicant is required to sign the application, testifying in front of Allah that the information provided to the Fund is accurate.
  2. The Fund has two case workers with approx. 30 years benefit/welfare assessment experience between them ensuring each applicants identification, financial background and circumstances are looked into and verified as thoroughly as possible.
  3. Applicants are required to provide two references of which one should be a professional. Both references are contacted by case workers to verify a person’s character and/or financial status.
  4. The Fund also checks with other local zakat distribution charities whether the applicant has currently or previously applied to them for any assistance.

Only when the above verification checks have been completed to the satisfaction of the Approvals Panel will the Fund make an award.

All new zakat large applications are initially assessed by trained and experienced case officers, followed by the Approvals Panel, which includes a scholar who is well-versed in the juristic rulings of zakat and sadaqah. Before a final decision is made on each application the Panel rigorously examines the case and the submitted evidential documents. Where the Panel requires further information such as filling any financial ‘gaps’ in the applicant’s financial status or background, further questions will be asked, which sometimes includes the need for applicants to submit additional evidence.

Application processing time

Providing the application has been completed and evidential documents have been provided to the satisfaction of the Approvals Panel, the Fund aims to process applications within 10 working days.

Unsuccessful applications

If you have had an application rejected by the Fund in the past, you may re-apply after 2 months from the date it was rejected. You will need to provide a clear explanation why you are re-applying and how your situation has changed since your previous application.

Re-applying for additional funds

If you have successfully applied to the Nawaal Fund for support and need to make another application, a new application (together with all supporting documents) must be submitted.

Donations

Are Zakat funds used for the right purposes?

The Fund has a strict policy when using zakat donations entrusted to us. Nawaal Fund’s in house scholars will ensure zakat donated to us will only be used on beneficiaries who are eligible to receive zakat. For those cases or initiatives where Zakat funds are not permissible to be used- the charity will use sadaqah, lillah or gift aid funds.

How can I donate to the Nawaal Fund?

Donations can be made:

  • In person by giving your donations to (Maulana) Mohammed Umar Dana.
  • For direct bank transfers our bank details are: Islamic Bank of Britain, Sort Code- 30 00 83, Account Number- 01255501.
  • Cheques should be made payable to the ‘Nawaal Benevolence Fund’.

Saqaqah and lillah donations

General (sadaqah and lillah) donations are also accepted by the fund. Such funds are used by the charity to provide assistance where zakat funds cannot be used. When sadaqah or lillah donations are intended, those whom are donating should ensure they explicitly state that the funds donated are for sadaqah and lillah. If sadaqah or lillah funds are donated via cheque, those donating should write the purpose of the donations clearly at the back of the cheque (or on a separate note/paper accompanying the cheque)- ‘General Sadaqah’. If sadaqah or lillah funds are donated via a direct bank transfer, please request your bank to include a reference of ‘General Sadaqah’. Any funds received not clearly marked as sadadah or lillah will be deemed as zakat and as such, distributed in line with how zakat can be distributed.

Other donations

Besides zakat, general sadaqah/lillah, zakat al-fitr (sadaqat al-fitr), fidyah and kafarah can also be donated to the charity.

Can I donate to a specific project?

At present the Fund does not have any other specific or targeted local projects. Funds are distributed to applicants on a case by case basis. However from time to time, the fund may co-ordinate local community projects and initiatives using non-zakat funds to help assist local vulnerable groups such as the homeless, elderly and women’s refuges. Those wishing to donate (zakah) towards specific projects such as UK based Muslim women shelters and ex-offender shelters, please contact the National Zakat Foundation charity.

Regular donations

To donate on a regular basis please set up a standing order with your bank by downloading and printing our Standing Order Form. The completed form can be emailed to us or handed in at the offices of Madina Masjid, Masjid-e-Quba or the North London Muslim Community Centre. You can amend or cancel your regular donation at any time by simply contacting us at [email protected]

Adding Gift Aid to your donation

If you pay income tax, Nawaal Fund will be able to claim an additional 25% from HMRC on top of your donation at NO cost to you. For example, if you donated £100 the fund will receive an additional £25 from HMRC along with your £100, making the final amount received £125. If you wish to increase your donation in this manner, please state that you wish to provide Gift Aid to your donation.

100% donation policy

100% of all donations will go to zakat/sadqah recipients. No deductions are made for administration or marketing. The Charity’s administrative costs are covered by Gift Aid payments and donations made specifically to cover administration costs.

Receipts for donation

For all donations made in person a receipt will be issued.

If you wish to make a regular donation to the Nawaal Fund please download our standing order form from this link and complete it. Once completed, the form should be emailed back to us.

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The Nawaal Benevolence Fund is a registered charity in England and Wales, number 1155381