Financial System

From WikiAhmadiyya, the free encyclopedia on Islam and Ahmadiyyat

Chanda or the Financial System of the Ahmadiyya Muslim Community is the method by which donations are collected by the Ahmadiyya Muslim Community. Donations are not accepted from external sources and all funding of the Ahmadiyya Muslim Community is raised exclusively internally through financial sacrifices by Ahmadis. 

Spending of Donations

Donations are used to build and maintain over 15,000 mosques worldwide, to publish the Quran in over 70 languages, to distribute free literature, to run numerous international TV channels, radio stations and websites and to fund numerous large and high-profile events including Jalsa Salanas (Annual Conventions). Contributions are also used towards the Ahmadiyya Muslim Community's extensive humanitarian, educational and environmental efforts including the running of over 40 charity hospitals, over 650 charity schools and the provision of over 4,000 scholarships per year towards higher education. 

Donation Rate and exemptions

All earning Ahmadis are expected to contribute towards two obligatory schemes: Chanda Aam and Chanda Jalsa Salana. The respective rates for the two schemes are 6.25% and 0.83% of the individual's income after tax. Exemptions can be made for those in difficult financial circumstances:

They should not have asked this person for contribution, and should have in fact helped him...Management should be thoughtful about such people and should not force people to pay. Sometimes finance secretaries and those of Tehrik-e-Jadid pursue people. Contributions should be taken in accordance with people’s situations.

- Hazrat Mirza Masroor Ahmad, Friday Sermon 7 November 2014 as summarised by 

Whoever cannot pay the correct ratio, he is already permitted by me. He should only write to me and let me know that he is incapable of doing it. So whatever ratio he himself chooses, he can give chanda according to that...of course there are individuals who are really hard-pressed for various reasons and who are in such deep financial trouble that it's hard for them to make the two ends meet, so they write to me sometimes and I do tell them: "Of course you can reduce the ratio."

- Hazrat Mirza Tahir Ahmad, Question & Answer Session 1 February 1985 

Relationship with Islamic teachings & Zakat

Ahmadis are encouraged to participate in these financial sacrifices based on the teachings of Islam. Traditions record how the Prophet of Islam, Muhammadsa, would ask for donations to various charitable causes according to the needs of the occasion and this was strongly encouraged in the Quran:

Spend for the cause of Allah, and cast not yourselves into ruin with your own hands, and do good; surely, Allah loves those who do good.

- Quran 2:196

In accordance with the teachings of the Quran, the primary form of charity is Zakat:

The verse recited at the beginning also draws attention to Zakat and meeting the rights of the underprivileged. None other than Ahmadis have true insight of financial sacrifice. 

The Holy Quran draws attention to Zakat. Some say the Ahmadiyya Muslim Community does not focus on Zakat but does so on other chandas. However, attention is drawn repeatedly to those regarding Zakat on whom it is obligatory. I have also illustrated the subject in my Friday sermons. 

Zakat has great connection with the system of Caliphate. In the verses following the verse about Caliphate in the Holy Quran, known as Ayat Istakhlaf, attention is drawn to observance of prayer and Zakat. 

- Hazrat Mirza Masroor Ahmad, Friday Sermon 13 May 2016 as summarised by 

Independent auditing of the Ahmadiyya Muslim Community

The Ahmadiyya Muslim Community is officially registered as a charity in the UK and in other countries in which it operates. It regularly passes public checks by authorities on its accounts and is independently audited on a regular basis:

No one should think - and all who give chanda should remember this - that the administrative system is running because of their chandas...This is a promise of Allah that He made with the Promised Messiahas that there would never be any financial straitened circumstances and things will continue, God willing. If he was ever concerned it was that the monies should be spent properly.

By the Grace of Allah, the Exalted, we try to insure that expenditures are done in the most correct way possible. If in some places some carelessness is detected, people’s attention is drawn to such things and a system of auditing is in place for this very purpose and this is the responsibility of the president of the local chapter that he should keep a careful eye on the expenditures and not that any and all bills that come are automatically approved of necessity. Make the audit system effective and allow it to run with independence and authority so that the auditors can work with full authority and they should be afforded complete powers.

- Hazrat Mirza Masroor Ahmad, Friday Sermon 16 August 2013 as summarised by