Maximise Your Spiritual Investments this Ramadhan: The Path to a 70,000% ROI


Ramadhan is a month of the Quran, fasting and much devotion. However, there is another important worship, giving charity. Aisha (the mother of believers) said, ‘The Messenger was always generous but in Ramadhan, he was even more generous.’ So, we give Zakat and Sadaqat generously this month. The aim is to achieve maximum return on investment (ROI). Most businessmen consider 10% as good and 20% as excellent. But the charity you give in Ramadhan earns a hefty ROI of 70,000% or 700 times. Glory be to Allah. Can you afford to miss this investment opportunity?

The Excellence of Spending in Allah’s way

“Believers, spend your wealth in Allah’s way before the day arrives when there will be neither friendship nor intercession” (Baqarah: 254). Your hard-earned wealth will have no value except that which was spent for the sake of Allah and his religion.

“The example of those who spend their wealth for the work of Allah is like a seed which grows seven ears each carrying a hundred seeds. Allah gives abundantly to whom he wills” (Baqarah: 261). This agricultural metaphor is a reality we witness, a farmer sows one tonne of wheat seeds but harvests hundreds of tonnes of wheat. Similarly, your £1000 charity will reap 700 times more making it £700,000 Subhan-Allah!

The Messenger (peace be upon him) said: “Protect yourself from the Hellfire with as little as a penny” (Bukhari). In another hadith, the Prophet (peace be upon him) said “Fasting is protection from evil, charity extinguishes sins like water extinguishes fire” (Bukhari).

Get Under the Shade of Allah

The Messenger (peace be upon him) declared: “Seven people will be given the shade of Allah’s Throne when there will be no other shade. One of them will be the one who gives secretly in charity” (Bukhari). In another narration, the Messenger (peace be upon him) said: “When you give in charity your wealth doesn’t decrease” (Bukhari).

Spending in Allah’s way shows three things about you:

  1. You sincerely believe in Allah as the creator, Master of the Universe, your Lord and your Provider.
  2. You want to strengthen your faith and improve relationships with fellow humans.
  3. You are honouring the Almighty. By spending a small amount of your time, talent and treasure.

How Much Should I Give?

Zakat is the minimum amount of compulsory charity; it is only 2.5% of your annual savings, cash in the bank, stock shares, loans you have given and on any gold and silver jewellery you own. So, for example for £5000 in savings, you will only pay £125 for Zakat.

In addition to Zakat, we give general charity (sadaqah) to spread Islam’s message of love, peace and justice. Isn’t the Prophet’s golden guidance valuable? Isn’t there a dire need for moral development and spiritual enrichment? Without these, our future generations will be deprived of Divine blessings and devoured by the consumer society. The Majestic Quran reminds us “Who will give a handsome loan to Allah? So, He may multiply it for him many times over. Remember Allah is the one who gives and withholds wealth, to Him you will be returned” (Baqarah: 245).

Embrace Gratitude: Appreciate and Share Your Gifts

There was once a woman who begged on the streets. She was dressed in tattered rags and had a forlorn expression on her face. She would often scold passersby who didn’t give her money. One day, I heard a rumour that this beggar woman lived in a very nice house. I couldn’t believe it. I had seen her begging for money with my own eyes. How could she possibly afford a nice house?

I decided to follow her home one day. To my surprise, she did indeed live in a beautiful house. It was located in a wealthy neighbourhood. I later learned that the beggar woman had inherited the house from her father. She had been born into poverty, but her father had worked hard to provide for her. When he died, he left her the house as his sole inheritance.

However, the woman was unable to enjoy her inheritance. She had become accustomed to living in poverty, and she couldn’t bring herself to leave behind the rubbish in her life. She continued to beg on the streets, even though she didn’t need the money. The woman’s story is a reminder that wealth is not the same as happiness. True happiness comes from within. It is important to be content with what we have and to appreciate the good things in our lives.

The Generous Ruler

Mevlana Rumi tells the story of a generous ruler whose kingdom was known for its prosperity and abundance. People from all over the land would come to seek his help and support, and he was always willing to oblige.

One day, a poor beggar arrived at the ruler’s palace with a jug of water as a gift. He thought that the ruler must need water just as much as anyone else, especially in the desert kingdom. The guards at the gate welcomed him and delivered the jug of water to the ruler.

The ruler was deeply touched by the beggar’s humility and generosity. He ordered his servants to give the beggar gifts and robes of honour. Then he said, “Hand him this jug that I filled with gold and then show him the river Tigris flowing behind the palace. He has come here through the desert, so let him now travel by boat on the Tigris. He will get home much quicker.”

The poor beggar was overwhelmed with gratitude. He bowed and blushed with shame and pride and prayed, “O Allah, that generous king was unbelievable! He has taken my humble gift, that’s incredible! How did that sea of generosity accept my worthless present so readily?”

The beggar’s story teaches us that even the smallest acts of kindness and generosity can be greatly appreciated. It also reminds us that true wealth comes from within and that those who are generous with their time, resources, and love are truly blessed.

The Prophet (peace be upon him) was perhaps describing this when he said, “Two angels always sing with sweet sounds: Lord keep all the spenders satisfied, multiply their wealth, but the misers let their wealth perish, so they lose it all” (Bukhari).

Respecting and Valuing the Prophet’s Inheritance

Let me leave you with a final thought, the Quran is inspirational, aspirational and liveable, its moral values and practical laws will guide us to a purposeful and prosperous life. The Prophet (peace be upon him) said, “I leave behind two weighty and valuable things for you; the Quran and my family. Hold tightly to them and you will never go wrong” (Muslim).

What’s a Good Project to Support

The Majestic Quran is my simple plain English translation. It’s loved by hundreds of thousands of people, it’s a best seller on Amazon, Alhamdulillah. We want to distribute the paperback (English-only) version to young Muslims and non-Muslims. So, please help us with this amazing project. Click HERE to find out more.