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An Introduction to Financial Sacrifice

Chanda (Finance Sacrifice)

Spending in the way of Allah

An Introduction to Financial Sacrifice

Whenever God showers a people or a community with His favour and His grace, he invariably requires some sacrifice from them. In other words, sacrifice is essential if one wants to gain the nearness of Allah and His pleasure. What is this sacrifice? It varies depending on the circumstances of every age. At the time of the Holy Prophet(sa), for instance, financial sacrifice did exist, but sacrificing one’s life was more important because Muslims were undergoing continuous atrocities at the hands of the disbelievers, and were forced into the battlefield. But in his tiding of یَضَعُ الْحَرْب(He will do away with war), the Holy Prophet(sa) foretold that it would not be necessary to sacrifice one’s life at the time of the Promised Messiah(as). The Promised Messiah’s(as) duty would be to start a Jihad with the pen, for which financial sacrifice would be necessary.

The Promised Messiah(as) said:

“What a blessed time this is! No one is asked to lay down his life. This is not the time for offering the ultimate sacrifice; rather it is the time to spend out of one’s possessions, according to one’s means.” Al-Hakm Qadian, July 10, 1903.

Chanda (Finance Sacrifice)

The Divine System of Sacrificing in the way of Allah

Chanda Aam

Launched by: Hazrat Mirza Ghulam Ahmad (as) of Qadian

Chanda Aam is the basic and compulsory Chanda which Hazrat Mirza Ghulam Ahmad (as) has made obligatory upon every earning Ahmadi, man and woman, and is to be paid at the rate of  1/16th on the total income from all sources.

Chanda Jalsa Salana

Launched by: Hazrat Mirza Ghulam Ahmad (as) of Qadian

Members paying Chanda Hissa Amad or Chanda ‘Am are also required to pay 1/120th of their annual income or 1/10th of their monthly income as Chanda Jalsa Salana once a year. If someone has been granted concession in Chanda ‘Am, he is also be entitled to proportional concession in Chanda Jalsa Salana. No separate application is required.

There are some Musian who have no personal income and pay Hissa Amad on pocket money, but do not pay Chanda Jalsa Salana. Although, not paying this chanda does not affect their Wasiyyat, but they are still expected to show the same love & passion for this Chanda, which inspired them to join the institution of Wasiyyat, in response to call made by Promised Messiah (as).

Hazrat Mirza Bashiruddin Mahmud Ahmad, Khalifatul Masih II (ra) said about this Chanda:

“As far as I know, Chanda Jalsa Salana has been in existence since the time of Promised Messiah (as). Some have mistakenly considered it a part of Chanda ‘Am, which has now been separated from it. But I do not remember even a single instance when a separate appeal was made for Chanda Jalsa Salana. This Chanda is undoubtedly among the earliest Chandas… So where I accept the proposal of the sub-committee that in future Chanda Jalsa Salana will be compulsory, I set its rate at 10% instead of 15%. But, this does not mean that a person who can pay 15% should not do so. His reward lies with Allah and we cannot stop Him from this reward. Hence if a member gladly wants to increase this rate, he can do so any time. However, those who do not pay at 10% shall be urged to do so.” (Report Majlis Mushawrat 1938)

At another occasion, Hazrat Khalifatul Masih II (ra) said:

“Hadrat Masih-e-Ma‘ud (as) has declared Chanda Jalsa Salana to be a permanent Chanda and has said: “Do not consider this Jalsa to be like the ordinary conventions of the world. It is a decree which has its roots in the support for the Truth and the victory of Islam. Its foundations have been laid by Allah Himself and nations have been prepared for it who will soon come to its fold. This is the work of the Almighty for whom nothing is impossible.” (Ishtihar December 7, 1892). Hence the Promised Messiah (as) has declared Jalsa Salana to be a permanent institution and has said that it has been established under Divine injunction. Therefore if Chanda Jalsa Salana is treated separately, then because of the emphasis laid by the Promised Messiah (as) that our Jalsa is not like other Jalsas, this will always refresh the faith of the believers when they partake in Chanda Jalsa Salana.” (Report Majlis Mushawrat 1943)

Maryam Shadi Fund

Launched by: Hazrat Mirza Tahir Ahmad (rh)

Hazrat Mirza Ghulam Ahmad of Qadian (as) set us free of the customs relating to weddings and funeral ceremonies etc., with which our society was burdened. Whereas we refrain from such customs and spend on such occasions out of what Allah has provided us, we also have to bear in mind that there is a portion of our society that cannot afford to fulfil even the basic requirements on such occasions.

It was because of the needs of such people that Hazrat Mirza Tahir Ahmad, Khalifatul Masih IV (rh) launched a fund in his Friday sermon of 21st February 2003, which was later called the Maryam Shadi Fund. The amounts received under this head are used to help deserving parents in marrying off their daughters.

Announcing this fund Hazrat Mirza Tahir Ahmad (rh) said: “As an expression of gratitude, I would also like to say something about my mother. She had great sympathy for the poor…and she used to arrange for the dowry of poor girls…In her memory…and in order to bring blessings upon her soul…I announce that those whose daughters are about to be married and they need assistance…they should, without hesitation, write to me. They shall be adequately provided for and they will, to a considerable extent, be able to meet the expenses of dowry. Even if I personally do not possess the means, Allah’s Jama‘at, by His grace, is rich and has enough money. Hence this assistance shall be provided through any fund of the Jama‘at and such people will be able to send their daughters to their homes in a befitting manner.” (Al-Fazl International, March 28 – April 03, 2003)

Nusrat Jehan Scheme

Launched by: Hazrat Mirza Nasir Ahmad (rh)

On 4 April 1970, Hazrat Khalifatul Masih III (rh) embarked on a 9-weeks tour of West African countries. Large Ahmadiyya communities have flourished in these countries for quite some time. Members had longed for a long time to see Huzoor (rh) in person. At last their intense desire was fulfilled. African Ahmadi men, women, children and even elderly traveled long distances to see Huzoor (rh) in person. To welcome their beloved Imam they chanted heart-warming religious poems and uplifting slogans in their traditional ways. Huzoor’s inspiring speeches strengthened their faith.

During Huzoor’s epic travel to this continent, many eminent personalities of African countries had audience with Huzoor (rh) and attended the receptions given in his honour. They readily acknowledged educational, social as well as spiritual services rendered by the Movement. Newspapers, radio, and television gave wide coverage to his travels.

In a nutshell this journey was a tremendous success in many respects. In fact, it heralded a new era of preaching in West Africa. This was one of the main objectives for which Huzoor (rh) had started the Nusrat Jehan Scheme, and appealed for a contribution of 100,000 sterling pounds. Under the guidelines of this project Ahmadi doctors and teachers are serving in Nigeria, Ghana, Liberia, Gambia, and Sierra Leone by running 17 medical clinics and 15 secondary schools.


Fazl-e-Umar Foundation

Launched by: Hazrat Mirza Nasir Ahmad (rh)

On 21 December 1965, Hazrat Khalifatul Masih III (rh) established this scheme in memory of Hazrat Fazl-e-Umar, Khalifatul Masih II (ra).

The community contributed 5.2 million rupees, much in excess of the target of 2.5 million initially fixed by Hazrat Khalifatul Masih III (rh). This fund was used to promote activities that had been of special interest to Hazrat Khalifatul Masih II (ra), in the fields of research, education, missionary work and economic welfare of the community.

Under this scheme, on October 3, 1971, a modern library named Khilafat Library was also established in Rabwah.


Launched by: Hazrat Mirza Bashiruddin Mahmud Ahmad (ra)

After the partition of the Indian subcontinent, members of Jamaat-e-Ahmadiyya living in large cities were able to benefit from the nizam-e-Jamaat and establish auxiliary organisations. However, those living in villages did not have enough resources to resurrect the infrastructure of education and moral well-being required to bring about the spiritual transformative changes Hazrat Mirza Ghulam Ahmad (as) taught.

So, from divine guidance, as a solution to this problem, Hazrat Mirza Bashiruddin Mahmud Ahmad (ra) initiated the blessed scheme of Waqf-e-Jadid (The New Dedication). This scheme was initiated on 27 December 1957 (although it was first mentioned by him on 9 July 1957, during his Eid-ul-Adha Sermon). He stated:

“Now, I am launching a scheme for a new kind of waqf [dedication]. I had mentioned it in a sermon on 9 July 1957 […] The purpose of this waqf is to create a network of our muallimeen [missionaries dedicated to the scheme of Waqf-e-Jadid] from Lahore to Karachi. There should be a muallim present in all places at short distances, i.e. 10 to 15 miles. He should either start a madrassa or run a shop and live and work among the people of the area all the time. This is a very vast scheme, but I have decided to take only 10 devotees in the beginning, considering the expenses. It is possible that some devotees may be taken from Africa or other countries, but in any case, the beginning will be with 10 devotees and then more efforts will be made to increase their number to thousands.” (Al Fazl, 16 February 1957, p. 3)


Launched by: Hazrat Mirza Bashiruddin Mahmud Ahmad (ra)

In 1934, Majlis-e-Ahrar started an agitation against the Jama‘at [Community] and declared that they would not rest until they had wiped the Jama‘at off the face of the earth. In response, Hazrat Mirza Bashiruddin Mahmud Ahmad, Khalifatul Masih II (ra):

“I see the earth slipping from under the feet of Ahrar. They say they will wipe out this Jama‘at, but Allah Almighty has told me of a plan with which the Jama‘at will spread in all countries of the world and no one will be able to destroy it.”

So, at that time he initiated Tahrik-e-Jadid, concerning which he said:

“The purpose of launching Tahrik-e-Jadid is to acquire such a fund with which Allah’s message can be delivered as far as the corners of the earth with ease and facility.”

It began as a temporary scheme, but at the end of nineteen years, Hazrat Muslih Ma‘ud (ra) said:

“Now that nineteen years are coming to an end, I have decided that Tahrik-e-Jadid will continue up to your last breath.”

He said:

“I hope that Tahrik-e-Jadid will last for countless ages, just as the stars in the sky, so did Allah say to Hazrat Ibrahim that his progeny would be countless. And Hazrat Ibrahim’s progeny greatly served the faith, and the same is being done by Tahrik-e-Jadid.”

Chanda Ailaan-e-Wasiyyat

Launched by: Hazrat Mirza Ghulam Ahmad (as) of Qadian

Anyone who agrees to follow the conditions laid down in ‘The Will’ should make this declaration in writing in the presence of two witnesses and entrust this document to the Anjuman.

The testator should state that they give one tenth of all of their fixed and movable assets for the propagation of that which the objectives of the Ahmadiyya Movement aim to achieve. This should be published by the testator in at least two newspapers. Payments made for this purpose, at the prescribed rate, are called Chanda Ailaan-e-Wasiyyat.

Chanda Hissa Amad

Launched by: Hazrat Mirza Ghulam Ahmad (as) of Qadian

The Chanda which a Musi (member of Nizaam-e-Wasiyyat) is obliged to pay on the real income is called Chanda Hissa Amad, whose minimum rate is 1/10 and can be increased up to 1/3.

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