Should we give money to poor ppl? ZAKAAT (Alms) Ramadan is the month of giving and benevolence, the Messenger was more benevolent than a falling rain. Muslims are encouraged to emulate the Messenger of Allah (saas), to assess and pay their Zakaat during the month of Ramadan, thus combining the two pillars of Islam at the same time. Zakaat (alms) is the name of what a believer returns out of his or her wealth to the neediest of Muslims for the sake of the Almighty Allah. It is called Zakaat because the word Zakaat is from Zakaa which means, to increase, purify and bless. Who Should Give Zakaat The obligation of Zakaat is mandatory on every Muslim who possesses the minimum Nisaab, whether the person is man, woman, young, old sane or insane. Because the proof of Zakaat in Al-Qur`an and Sunnah is general and does not exclude young or insane. Allah (SWT) stated that: "Of their goods take alms so that thou mightiest purify and sanctify them..." (Al-Qur`an, 9: 103) Imam Ibn Hazim said that every Muslim young or old sane or insane needs to cleanse his or her wealth with Zakaat because of generality of the evidence. Anas bin Malik reported that the Messenger of Allah (saas) said: "Trade with the money of the orphan, lest it is eaten up by Zakaat." (At-Tabraani) In another Hadith `Amru bin Shuaib related from his grandfather that the Messenger of Allah said: "Whoever is entrusted with money of an orphan should trade with it and should not leave it sitting to be used up by charity." (Tirmidhi) The point of reference in these reports is that the Messenger (saas) urged the trustee on the estate of people who due to age or other reasons cannot manage their own financial affairs, to invest it in a business that will yield a return and make it grow until they are in a position to do so themselves. For, if proper investment is not made with an ophan's inheritance, it will be depleted by charity, thus leaving the orphan with little or nothing. The Nisaab The Lawgiver, Allah has prescribed the minimum amount that is obligatory for Zakaat in different ranges of properties, and that minimum amount is known as nisaab. The reason for nisaab is to ensure that no one is forced to give Zakaat out of what he or she does not have, and that no wealth goes without Zakaat. Nisaab is also an insurance against the tyranny of the state to tax the poor and or the neediest as is the case in many countries. Nisaab is a reference point for the average Muslim who is not sure whether he possesses the minimum wealth on which Zakaat is obligatory. The wealthy need not worry about the Nisaab. Zakaat is obligatory on their entire wealth and must be paid out at the end of financial year that they set for their Zakaat. The Nisaab will not be valid unless it fulfills two conditions: 1) The amount that has reached Nisaab must be the excess or surplus known as "faadil" from one's essential needs such as food, clothing, housing, vehicles, tools and machinery that is used in business. The essentials for living are exempted from Zakaat. Although what constitutes nisaab may change from one country to another, the amount that is needed for the basic needs of living in different countries is very similar, because the market place determines the prices, whether it is an official market or a non-official market. In the poorest countries people do without or live below the poverty standard, and that is why many go hungry or without basic essentials. However, we must realize that Zakaat is an act of worship (ebadah) like Salaat. The element of intention (niyyah) is necessary, and we should not overly rely on state agencies to determine for us the requirements of our religious duty. The so called the "consumption basket" (that is poverty level as determined the social security administration which are updated every fiscal year) may not be the same as what Islam considers minimum Nisaab. In the industrialized countries, the consumption basket may include items that are not necessarily essential, such as entertainment, extra clothing, variety of food, eating in restaurant or eating at home, owning more than one car as opposed to having three cars in the driveway, drinking water as opposed to juices, eating regular food or special "health" food. This is why I believe it is essential that we do not lose site of the fact that Zakaat is ebadah of wealth, like salaat and fasting. Non Muslims may consider all the things mentioned above as essentials while Muslims will not. Indeed, no Muslims in good standing will attempt to hide behind the label of consumption basket so as to evade Zakaat. Nisaab eliminates the possibility of injustice or unfair treatment of the Zakaat payer. To suggest that if we do not follow the rules of International Monetary Fund or the arbitrary figures of social security administration or department of agriculture we will be doing injustice to the Zakaat payer is ludicrous. 2) Nisaab must mature, that is the money is not liable for Zakaat unless it has remained a full year in the possession of a person. This is the understanding of the majority of the scholars. Imam Abu Hanifah (raa) said: "What should be considered is the existence of nisaab at the beginning and the end of the Zakaat year set by the payer". It does not matter if the nisaab money increases or decreases during the calendar year, as we will explain later. This condition does not include farm produce, for it is due on the day it is harvested. Allah (SWT) stated: "... But render the dues that are proper on the day that the harvest is gathered..." (Al-Qur`an, 6: 141) According to Imam Al-`Abadi, (raa) Zakaat money is of two kinds: one that by its nature can not be invested and Zakaat of this category is due on the day of harvest. This includes all the farm produce that is liable for Zakaat. The other is wealth that can be invested in the hope of a good return, like cash, gold or silver, because the opportunity is there that cash in one's hand can be invested for a good return. This includes currency investment, merchandise and livestock. Their Zakaat is not due until they have matured in one full year. The proof of this condition is the Hadith related by Ibn `Umar that the Messenger of Allah (saas) said: "He who acquires property is not liable for Zakaat on it till a year passes." According to Ibn Rushd (raa) this is the understanding of the majority of scholars, including the four rightly guided Khalifahs. Zakaat Of Salaries The condition of yearly term maturity applies to the commodities on which the Lawgiver said Zakaat is due, and this includes silver, gold, modern paper currency and livestock. Paper currency is analogous to silver, therefore, it takes the case of silver. There is no Zakaat on salary, earned income from wage earners or professionals or independent contractors until such money matures in a full year. There is no such thing as paying your Zakaat on the day you receive your paycheck. What the wage earner must know is that he or she can purify that money with charity (sadaqah) anytime they cash the paycheck. Allah (SWT) states: "And in their wealth and possessions (was remembered) the right of the needy, he who asks and he who (for some reason) was prevented (from asking)." (Al-Qur`an, 51: 19). We can deduce from the concept of "yearly maturity" of wealth on which Zakaat is due as encouraging, among other things, saving on the part of the Zakaat payer, and enhances the chances for eradicating poverty, because if the poor receives his rightful share of Zakaat there will be the possibility that he can take Zakaat money and invest it and become a Zakaat payer instead of recipient. This possibility will be lost if he receives few Zakaat dollars every month. To say that the wage earner just brings his check home and spends everything on necessities and lives from check to check with nothing left over means the person is eligible for Zakaat. Using farm produce as analogous to salary for Zakaat is wrong analogy. As Imam Al-`Abadi said, these are two different categories of money. $2, 500.00 cash can be invested by the person and expect a good return whereas it will be difficult to invest a bushel of corn. It can be traded as a commodity, which is what it is. This why we must know that analogy has rules that must be followed before it is applied. Certainly the jurists are unanimous that earned income, known as almal al-mustafadah, should either be added to existing money and wait until that amount reaches maturity and then give their Zakaat; or if there is no money on hand the time one possesses this money, he or she should wait one full year before assessing it for Zakaat. Zakaat is one of the five pillars of Islam and a vital element in the religion of Islam. It is the twin sister of Salaat. In Al-Qur`an, Allah (SWT) stated: "So establish regular Prayer and give regular Alms; and obey the Messenger; that you may receive mercy." (Al-Qur`an, 24: 56) Also, "...Establish regular Prayer and give regular Alms, and loan to Allah a beautiful loan...." (Al-Qur`an, 73: 20) "And they have been commanded no more than this: to worship Allah, offering Him sincere devotion, being true (in faith); to establish regular Prayer and to practice regular charity; and that is the religion right and straight." (Al-Qur`an, 98: 5) In a famous Hadith reported by `Umar Bin Khattab (raa), the Messenger of Allah (saas) responded to Jibreel (as) and said: "... Islam is to testify that there is no deity but Allah and Muhammad is the Messenger of Allah, to perform the prayer, to pay Zakaat, to observe fasting in Ramadan, and to make pilgrimage to the house of Allah if you are able to do os...." (Bukhari, Muslim) There is consensus among Muslim scholars that it is mandatory on every believer who is financially able. Whoever knowingly denies this obligation, while he possesses the minimum amount, would be considered a disbeliever and a renegade from Islam. Whoever is stingy, or tries to cheat, is considered among the wrongdoers. Zakaat is mandatory on four categories of items. 1. Farm produce of seeds and fruits, such as wheat, barley, rice, dates, raisins, cocoa, pistachios, coffee, cashews. Allah (SWT) stated: "O you who believe, give of the good things which you have (honorably) earned, and of the fruits of the earth which We have produced for you..." (Al-Qur`an, 2: 267) Also: "... But render the dues that are proper on the day that the harvest is gathered..." (Al-Qur`an, 6: 141) Thus, these two verses and many others indicate that Zakaat is due on farm products that reached the minimum amount (nisaab). No farm product is liable for Zakaat unless it is a product that is considered as food and can be stocked or saved naturally without refrigeration. If the produce is perishable fruit, such as grapes, there is no Zakaat. But if one sells them they will pay their Zakaat on the profit earned when it matures. The nisaab is 612 kilos, which equals 1,346.40 lb. There is no Zakaat on produce that is less than this amount. If the farm produce or crops grow dependant on rainwater, or without any man's labor or irrigation, Zakaat due is one-tenth of the total. If it is grown by irrigation, then the Zakaat due is half of one-tenth of the total produce. There is no Zakaat on fruits like apples or oranges or vegetables which are perishable and need refrigeration for long storage, but they should be considered as any income if the profit earned from their sale reaches the amount of Zakaat, then Zakaat should be given. 2. Cattle, including camels, cows, sheep and goats, that are freely graze and are raised for trade and production. For Zakaat to be obligatory, the number must reach the nisaab. The nisaab of camels is five, of cows 30, of sheep and goats, 40. By freely grazing is meant the animal goes out to feed without the owner buying or bringing it feed or hay. If it is not a grazing animal, there is no Zakaat in the stock by itself. The stock will, however, be considered as articles of trade, then will be assessed for Zakaat as articles of trade when the profit earned from their sale reaches the amount by itself or in combination with other articles of the trade. 3. Merchandise and goods of trade and commerce. This includes anything that is obtained for the business of buying and selling: land, animals, food provisions, fabric, cars, spare parts, etc. This inventory is evaluated annually and assessed for Zakaat, whether the value is the same as the amount spent on it, more, or less. The owners of grocery stores, like any other business, must evaluate every item and give their Zakaat. Simple bookkeeping of inventory, orders, cash on hand, and credits, that is non-delinquent loans, will give one a good picture of the zakaatable assets. But if one is unable to account for everything in the store or shop, he should assess it according to his ability until he is sure that his conscience is clear. There is no Zakaat on what is within one's dwelling or property which includes food, drinks, furniture, houses, animals, cars, clothes and shoes. The only exception is gold and silver. There is no Zakaat on assets from rentals or lease, whether they are apartment units, taxi cabs, etc. That is, there is no Zakaat on the apartment units, buses or cars for rental like yellow cabs company or trucks for rental or equipments. But there is Zakaat on the proceeds or incomes from these rental assets if these assets reach the executable amount, either by themselves or in combination with other assets. Business Activities Many scholars are of the opinion that any business activity that brings any return to the entrepreneur or investor should be assessed for Zakaat. If the activity has a prescribed nisaab, such as gold, silver or paper currency, that nisaab is applied for Zakaat. But if the business has no declared nisaab, its nisaab is the nisaab of commerce, one reason being that most business activities are considered as commerce and because, in actual fact, it is not factitious business name, such as GM, Apple or GE that is taxed for Zakaat, it is the individual investor. We do not tax cooperations such IBM, Apple, GM or Rajihy Bank but the individual investors, share holders and owners of these corporations. Indeed, there are enough rules in Zakaat books to cover all types of business activity, be it cash or risk investment. If the business activity is analogous to commerce, it should be assessed the same rate as commerce. To subject the business to a different Zakaat rate of 10%, which is the rate of farm products instead of its correct rate of 2.5%, the rate of commerce, is unfair and unjustified. Besides, there is no proof, even a weak one, to justify this unfair arbitrary taxation. The difference between 2.5% and 10% is high. The Zakaat system is not like a state revenue collection, but Allah's `ebadah. However, if a business person decides to give more than 2.5% after deducting all the expenses including depreciation, Allah (SWT) will accept it from him. 4. Gold and silver, whether used for commerce or jewelry. Allah (SWT) states: "...And there are those who bury gold and silver and spend it not in the way of Allah: announce unto them a most grievous penalty. On the day when heat will be produced out of that (wealth) in the fire of hell, and with it will be branded their foreheads, their flanks and their backs. This is the (treasure) which you buried for yourselves: taste you, then, the (treasures) you buried." (Al-Qur`an, 9: 34-35). By hoarding is meant refusal to give it in the path of Allah, which includes Zakaat. In a hadith reported by Abu Hurairah (raa), the Messenger of Allah (saas) said: "For the owner or possessor of gold and silver who does not fulfill its obligation, on the Day of Resurrection it will be cast into sheets of fire and be branded on his forehead, side and back. Whenever it cools it is to be repeated for him in a day whose length is the length of fifty thousand years, until the judgement is rendered among the people." (Muslim). By its obligation is meant assessing it for Zakaat. In another version: "No possessor of a treasure who does not give its Zakaat." Zakaat is mandatory in gold and silver, irrespective of its form: in coins, raw or nugget, or jewelry for wearing, or for rent, because of the generality of evidence of Zakaat without any detail. In a report by Abdullah bin `Amr bin `Aas (raa), he related that a woman came to the Messenger of Allah with her daughter. On the daughter's wrist were two heavy gold bracelets. The Messenger asked her, "Do you pay Zakaat on this?" She replied, "No." The Messenger said: "Would it please you that Allah will encircle you with two bracelets of fire?" The reporter commented that she took them off and threw them down in front of the Messenger, and said: "They are for Allah and his Messenger." (Ahmed, Tirmidhi). The Messenger's wife reported that: "The Messenger entered into my house and saw in my hand a huge ring made of silver, so he asked, `What is this?' I replied, `I made them to beautify myself for you, O Messenger of Allah.' He inquired, `Do you give their Zakaat?' I said, `No,' or `Allah willing.' He said: `It will suffice you in the hellfire.'" (Abu Dawuud). Zakaat is due on gold when it reaches the amount of (nisaab), which is 20 Dinaar. According to a hadith, the Messenger said: "No Zakaat on you is due until it reaches 20 dinaar." (Abu Dawud) The Islamic dinaar (currency) is one mithqal, a unit of weight which weighs four and one quarter of a gram. Thus, the nisaab is 85 grams. This is equal to $30.00 US dollars. Similarly, there is no Zakaat on silver until it reaches five oqiyah, because the Messenger said: "There is no Zakaat on less then five oqiyah." (Muslim/Bukhari) Oqiyah is equal to forty Islamic dirhams. The nisaab is 200 dirhams. One dirham is equivalent to 595 grams. The zakaatable amount in both the gold and silver is a quarter of a tenth only. Paper Currency There is Zakaat on modern paper currency because it is equivalent to silver. During the early days of Islam, silver and gold were the currency of exchange minted into dirham for silver and dinaar for gold. Silver, not gold, had a larger circulation. Thus many scholars are of opinion that silver should be the standard for the paper currencies of today because that is more advantageous to the Zakaat payer, as it raises the minimum nisaab whereas gold lowers it. Although both metals are no longer circulated, they are still considered as a security against ever fluctuating paper money. Silver should be used as a standard to assess Zakaat annually, not paper currency, even if the currency is hard currency like the US dollar, Yen and Deutch Mark or Pound Sterling. Because these currencies are backed by political decisions that may not have anything to do with the economy, the value and strength of this paper money depends largely on all haram usury system of interest rates. Thus, the Zakaat payer should look up in the local newspaper's financial or business section for the price of silver which is currently about $3.82. per ounce. The nisaab, then, is 596 x .04=28.80 ounce multiplied by$3.82= 90.91. therefore. The nisaab is about $100.00, as of December 17, 1991. The nisaab should be based on the market value of the currency. If the money is hard currency, there will be no problem, but if the money is a non-marketable currency, like most currencies in the third world countries, the nisaab should be based on the black market, which realistically reflects the value of the currency on the money market. In any case, the silver rate should be used to assess the Zakaat. If the nisaab is determined, the zakaatable amount is 2.5%, or .025 multiplied by the amount. For instance, if the zakaatable amount is $56,000.00 it will be 56,000. x .025 = $1,400.00. Zakaat is due on gold, silver, and or paper currency, whether it is cash in hand or credit in the hands of borrowers. Zakaat is due on debts or cost of merchandize or rental money. If the borrower is a wealthy person that you know will pay back the debt, the lender (that is Halaal lending free of usury) should include that money in the assessment and give its Zakaat. However, one can delay Zakaat on a loan until he receives payment, then return its Zakaat for the past years that he was unable to assess for Zakaat. If the borrower is poor or is refusing to pay the debt, there will be no Zakaat on the money until the lender receives the money. Then he will assess it for Zakaat of one past due year, but there will be no Zakaat in the years before that. There is no Zakaat on precious stones such as diamonds, or metals such uranium, regardless of their value. Gold and silver, of course are assessed for Zakaat. However, if a person possesses any of these stones or metals, he should give their Zakaat like any other articles of trade. If a person possesses diamonds or any other precious stones as an edge against inflation or for ornaments, there will no Zakaat on these. How To Give Zakaat Zakaat may be assessed and returned in two ways: a) Make a record of all money earned, either daily or monthly, which has reached the nisaab and remains in the treasury. The Zakaat of that money would be due one year later on the same day the money was earned and reached nisaab. This means every month's income must be set aside and assessed for Zakaat and so will be the case for the rest of the months. For instance, the income of January, 1991 will be assessed for Zakaat in January, 1992, and the income of February, 1991 will be assessed for Zakaat in February 1992, etc. This method of assessing Zakaat is very difficult because it entails complete bookkeeping of daily or monthly earnings. b) The best way is to set a day or a month, preferably Ramadan, for your annual Zakaat return calendar, say Ramadan 1st, 1412. One year later on the same day Ramadan, 1413, your Zakaat is due and payable. Whatever is in the savings is due for Zakaat, regardless of whether all the amount in the savings reaches a year or not. For instance: if you have $20,000.00 in the savings account on the 1st of Ramadan, 1412 and one year later by the 1st of Ramadan, 1413 there is $50, 000.00, your Zakaat will be assessed for $50,000.00, that is: $50.000.00 x .025= $1,250.00. If, on the other hand, by the 1st of Ramadan, 1413 the amount in the savings is $15,000.00, your Zakaat will be for the amount in the savings, that is $15,000.00 x .025= $375.00. This method is the best because it is easy to assess, meets one's obligation and relieve one's conscience. The Recipient Of Zakaat Knowing who qualifies as recipient of Zakaat is an important aspect of Zakaat collection in Islam. Fortunately, Allah (SWT) has been merciful to us in that He Himself spelled out the people eligible to receive Zakaat. In Surah Tawbah He stated: "Alms are for the poor and the needy; and those employed to administer (the funds); for those whose hearts have been (recently) reconciled (to truth); for those in bondage and in debt; in the cause of Allah; and for the wayfarer: (thus is it) ordained by Allah, and Allah is full of knowledge and wisdom." (Al-Qur`an, 9: 60) In this verse Allah enumerated the people who deserve this divine welfare, and they are as follows: The poor and the needy. These are individuals, and those under their care, to live on. By the poor and needy is meant the people whose income or salaries, or whatever material goods they have, fall short of the cost of living in a given environment and economy. The poor and the needy should be given what will suffice them and their families for one full year. The needy who want to get married and have no means should be given enough for this purpose, and so, too, the student who needs money for tuition, rent, food, and books. The working poor should be given supplementary Zakaat. But the wealthy, or any person with enough income to live on should not be given Zakaat, even if they asked for it. Instead, they should be warned and admonished for asking for what does not belong to them. In a hadith reported by Abdullah bin `Umar, the Messenger of Allah (saas) stated: "A man keeps on asking others for something till he comes on the day of Resurrection without any piece of flesh on his face." (Bukhari/Muslim). This hadith indicates a humiliating appearance before Allah (SWT) that awaits a person who asks illegally. Some said: this hadith implies Allah will punish a person with the very limb, the face, that he used to impress on others to give him their money unlawfully. In another hadith reported by Abu Hurairah, the Messenger of Allah said: "Whoever asks people for their money so as to get rich, he is asking for flames of fire. It is up to him to ask for more or less (he should beware)." (Muslim) This hadith indicates the severity of the punishment, the more one asks the more punishment, the less one asks the less the punishment. In another hadith, reported by Hakeem bin Hizaam said: I begged the Messenger of Allah and he gave me. I begged again, and he gave me. I begged again and he gave me. He then said: "This money is green and sweet; he who receives it from people with a cheerful heart, Allah will bless him in it; he who receives it, with an avaricious mind would not be blessed in it. He will be like the person who eats without being satisfied; and the upper hand is better than the lower hand" (Muslim) This hadith gave an analogy between money and green, ripened fruit that people love to eat. Thus, it indicates that both are greatly loved but easily finished. For money that is easy come easy go, one must be careful about the punishment that awaits the illegal eater. If a person asks for Zakaat and there are no signs of wealth, and he does not know that he should not ask, or a person who is well and able, who can work, but does not; if these people do not know that it is not permissible for them to ask, it may be given anyway. In a hadith reported by Ahmed, Abu Dawud, and Nasa'e, two men came to the Messenger of Allah (saas) and asked for Zakaat. He looked at them closely and found them strong and able, he said, "If you want I will give you. But you should know that the wealthy or an able person who can work has no share in Zakaat" (Ahmad) Those who administer the Zakaat department, assigning people for collecting, bookkeeping, making lists of people eligible for Zakaat, and a financial calendar. These people will receive Zakaat as compensation for their work, even if they are wealthy. This does not include a person who works as an agent for one or two wealthy people to take Zakaat for himself. They should donate their time for Zakaat disbursement and do it with honesty and truthfulness. If they can not, they should be paid or rewarded for their time. In a hadith related by Abu Musa Al-Ashi`ari (raa), the Messenger of Allah said: "A trustworthy Muslim executor is the one who executes completely what has been entrusted to him of Zakaat money in good faith." (Bukhari) That is, he will give the Zakaat money to any of the eligible recipients of Zakaat. He should carry on the duty voluntarily, but if he can not distribute the money without being paid, the Zakaat payer should pay him for his work. The payment for the service of distributing Zakaat should not come out of Zakaat money. The new converts to Islam whose hearts we want to harmonize into the fold of Islam, either because their faith is weak or we are afraid of their being harmed, should be given Zakaat to strengthen their Iman or until we no longer fear their harm. The bonds person who has contracted with his master to buy himself out of bondage deserve Zakaat and should be given enough to pay off their debt to the master and be freed themselves; similarly, Muslim prisoners of war if their freedom is tied to monetary payment, deserve Zakaat sufficient enough to secure their release. On the other hand, if a pearson accidently killed someone and have no means to pay off the blood money, he should be helped from Zakaat funds. The people in debt are of two kinds: (A) The guarantor, who takes the responsibility of someone else's debt so as to reconcile the two warring parties, to extinguish the fire of fitnah between them. If the person requests Zakaat money to pay off this debt he should be given it, which will encourage him to continue in this noble cause. In a hadith reported by Qubaysah Al-Hilaaly (raa), he said I was under debt (hamaalah) and I came to the Messenger (saas) and begged him to help me pay it off. The Messenger told him: "Wait until we receive charity, so we will command that it be given to you." However, the Messenger stated: "O Qubaysah, begging is not permitted except for one of three categories of people: A man who has incurred debt (as guarantor to reconcile blood wit) for him begging is permissible till he pays that off, after which he must stop it; a man whose property has been destroyed by calamity which has smitten him; for him begging is permissible till he gets what will support life or will provide him reasonable subsistence; and a man who has been smitten by poverty, the genuineness of which should be confirmed by three knowledgeable members of his people; for him begging is permissible till he gets what will support him, or will provide him subsistence. Besides these three, Qubaysah, begging is forbidden for every other persons, and one who engages in such consumes that which is forbidden." (Muslim) (B) Whoever incurs debt and has no money to pay it back will be given from Zakaat to help pay his debt, whether the amount is large or small; or his creditor should be paid directly on his behalf, so long as it is paid off. Zakaat can be given in the path of Allah. By this is meant to finance a Jihad effort in the path of Allah, not for Jihad for other reasons. The fighter (mujahid) will be given as salary what will be enough for him. If he needs to buy arms or some other supplies related to the war effort, Zakaat money should be used provided the effort is to raise the banner of Islam. The wayfarer. This is the traveller who in a strange land runs out of money. He or she deserves Zakaat, enough money to take him back to his country, even if he is wealthy and can find someone to loan him the money. On his part, he should take with him on his trip sufficient money, if he is wealthy, so that he will not need Zakaat. Zakaat money can not be used to pay off other obligations, such as giving Zakaat money to people you are obligated to take care of by law; or Zakaat money can not be used to pay for hotel and food expenses. It is, however, permissible to give Zakaat to a wife or family member, provided it is not part of their daily living expense money, but is needed to pay off a debt for one's wife if she can not pay it. So is the case for one's parents if they can not pay their debt. Zakaat money may be given to members of the family for their expenses if one is not obligated to take care of them financially. The wife can pay off a debt of her husband with Zakaat money, because he may be among the eight eligible recipients and she is not obligated to spend on him as he is on her. The eight eligible recipients of Zakaat can be denied their right to Zakaat without proof from Al-Qur`an or Sunnah. In a hadith reported by Ibn Mas`ud, his wife Zaynab heard the Messenger of Allah order women to give Zakaat, so she asked the Messenger (saas): " O Messenger of Allah, you commanded us to give Zakaat, and I have jewelry that I wanted to assess for Zakaat, but my husband Abdullah bin Mas`ud claimed that his son deserves it more than anyone." The Messenger replied: Your husband Ibn Mas`ud is right. Your son deserves your charity more than anyone." In another hadith reported by Salman bin `Aamir, he said the Messenger of Allah said: " Charity to the poor is only charity, but charity to the rest of kind is charity and maintenance of relations (sillah)." (Nisaee) No loan should be written off as Zakaat because Zakaat is taken and given. Allah (SWT) said: "Of their goods take alms...." (Al-Qur`an, 9: 103) And in a Hadith the Messenger has been reported as saying: "Allah has mandated on you Zakaat to be taken from the wealthy and to be given to the poor." Thus, writing off debt is not taken. For instance, If you loan a person money, you can not write off that loan as a Zakaat. However, it could be written off as sadaqah charity. Furthermore, loan, delinquent or not, is considered an absent money, therefore, it should not be transacted in Zakaat. for Zakaat is assessed only in cash in hand. Besides, debt money is valued less than cash in the hand, and using that money for alms is like exchanging good money for bad. The assessor of alms should try to give his Zakaat to an eligible person, but if he makes a mistake and gives it to an ineligible person it is accepted. In a hadith related by Abu Hurairah, he said the Messenger said: "A man expressed his intention to give charity, so he came with his charity and placed it in the hand of an adulteress. In the morning the people were talking and saying charity was given to an adulteress last night. The donor said: O Allah, to thee be the Praise - charity to an adulteress! He then again expressed his intention to give charity, so he went out with it and placed it in the hand of a rich person. In the morning the people were talking and saying charity was given to a rich person. The donor said, O Allah to You be the praise - charity to a rich man! He then expressed his intention to give charity, so he went out with his charity and placed it in the hand of a thief. In the morning the people were talking and saying charity to the thief. So the man said, O Allah to You be the praise (what a misfortune that charity has been given) to the adulteress, the rich and the thief! Then someone came to him and told him your charity has been accepted. As for the adulteress the charity might become the means whereby she might restrain from fornication. The rich man might perhaps learn a lesson and spend from what Allah has given him, and the thief might thereby restrain from committing theft. (Muslim/ Bukhari) http://www.islamfortoday.com/beliefs.htm
If the World was so Safe before Bush took Office,How do you Explain this List??????? American Victims of Mideast Terrorist Attacks -------------------------------------------------------------------------------- The following is a listing of incidents in which Americans are known to have been killed by Middle East-based terrorists. The list will be updated as more information becomes available. The exact number of American casualties is difficult to calculate because of incomplete news reports regarding numbers and nationalities of those injured. The toll from the September 11, 2001, attack on the World Trade Center is also uncertain, but current figures place the number of dead above 3,000. The number of dead at the Pentagon and on the hijacked airliners numbered approximately 385. Since Yasser Arafat "renounced" violence in the Oslo Peace Accords on September 13, 1993, at least 53 Americans have been murdered and at least another 83 Americans have been injured by Palestinian terrorism. Excluding the September 11 attacks, approximately 700 Americans have been killed and 1,600 wounded in terrorist attacks since 1970. This list also includes injured Americans since Oslo 1993. -------------------------------------------------------------------------------- February 23, 1970, Halhoul, West Bank. Palestinian Liberation Organization terrorists open fire on a busload of pilgrims killing Barbara Ertle of Michigan and wounding two other Americans. March 28-29, 1970, Beirut, Lebanon. The Popular Front for the Liberation of Palestine (PFLP) fired seven rockets at the U.S. Embassy, the American Insurance Company, Bank of America and the John F. Kennedy library. September 14, 1970, En route to Amman, Jordan. The PFLP hijacked a TWA flight from Zurich, Switzerland and forced it to land in Amman. Four American citizens were injured. May 30, 1972, Ben Gurion Airport, Israel. Three members of the Japanese Red Army, acting on the PFLP's bbehalf, carried out a machine-gun and grenade attack at Israel's main airport, killing 26 and wounding 78 people. Many of the casualties were American citizens, mostly from Puerto Rico. September 5, 1972, Munich, Germany. During the Olympic Games in Munich, Black September, a front for Fatah, took hostage 11 members of the Israeli Olympic team. Nine athletes were killed including weightlifter David Berger, an American-Israeli from Cleveland, Ohio. March 2, 1973, Khartoum, Sudan. Cleo A. Noel, Jr., U.S. ambassador to Sudan, and George C. Moore, also a U.S. diplomat, were held hostage and then killed by terrorists at the U.S. Embassy in Khartoum. It seems likely that Fatah was responsible for the attack. September 8, 1974, Athens, Greece. TWA Flight 841, flying from Tel Aviv to New York, made a scheduled stop in Athens. Shortly after takeoff, it crashed into the Ionian Sea and all 88 passengers were killed, including 32-year-old Steven R. Lowe, husband Jeremiah Michel and wife, Kathrine Hadley Michel of Poughkeepsie, NY, Frederick and Margaret Hare of Bernardsville, NJ, Ralph H. Bosh of Madison, CT, Seldon and Etan Bard of Tuckahoe, NY, Dr. and Mrs. Frederick Stohlman of Newton, MA, Don H. Holiday of Mahwah, NJ, and Jon L. Chesire of Old Lyme, Ct; all of which were Almerican citizens. An investigation of the crash conclusively established that it was caused by explosives set in the rear cargo department of the plane. June 29, 1975, Beirut, Lebanon. The PFLP kidnapped the U.S. military attaché to Lebanon, Ernest Morgan, and demanded food, clothing and building materials for indigent residents living near Beirut harbor. The American diplomat was released after an anonymous benefactor provided food to the neighborhood. November 14, 1975, Jerusalem, Israel. Lola Nunberg, 53, of New York, was injured during a bombing attack in downtown Jerusalem. Fatah claimed responsibility for the bombing, which killed six people and wounded 38. November 21, 1975, Ramat Hamagshimim, Israel. Michael Nadler, an American-Israeli from Miami Beach, Florida, was killed when axe-wielding terrorists from the Democrat Front for the Liberation of Palestine, a PLO faction, attacked students in the Golan Heights. August 11, 1976, Istanbul, Turkey. The PFLP launched an attack on the terminal of Israel's major airline, El Al, at the Istanbul airport. Four civilians, including Harold Rosenthal of Philadelphia, Pennsylvania, were killed and 20 injured. January 1, 1977, Beirut, Lebanon. Frances E. Meloy, U.S. ambassador to Lebanon, and Robert O.Waring, the U.S. economic counselor, were kidnapped by PFLP members as they crossed a militia checkpoint separating the Christian from the Muslim parts of Beirut. They were later shot to death. March 11, 1978, Tel Aviv, Israel. Gail Rubin, niece of U.S. Senator Abraham Ribicoff, was among 38 people shot to death by PLO terrorists on an Israeli beach. June 2, 1978, Jerusalem, Israel. Richard Fishman, a medical student from Maryland, was among six killed in a PLO bus bombing in Jerusalem. Chava Sprecher, another American citizen from Seattle, Washington, was injured. May 4, 1979, Tiberias, Israel. Haim Mark and his wife, Haya, of New Haven, Connecticut were injured in a PLO bombing attack in northern Israel. November 4, 1979, Teheran, Iran. After President Carter agreed to admit the Shah of Iran into the U.S., Iranian radicals seized the U.S. Embassy in Tehran and took 66 American diplomats hostage. Thirteen hostages were soon freed, but the remaining 53 were held until their release on January 20, 1981. May 2, 1980, Hebron, West Bank. Eli Haze'ev, an American-Israeli from Alexandria, Virginia, was killed in a PLO attack on Jewish worshippers walking home from a synagogue in Hebron. July 19, 1982, Beirut, Lebanon. Hizballah members kidnapped David Dodge, acting president of the American University in Beirut. After a year in captivity, Dodge was released. Rifat Assad, head of Syrian Intelligence, helped in the negotiation with the terrorists. August 19, 1982, Paris, France. Two American citizens, Anne Van Zanten and Grace Cutler, were killed when the PLO bombed a Jewish restaurant in Paris. March 16, 1983, Beirut, Lebanon. Five American Marines were wounded in a hand grenade attack while on patrol north of Beirut International Airport. The Islamic Jihad and Al-Amal, a Shi'ite militia, claimed responsibility for the attack. April 18, 1983, Beirut, Lebanon. A truck-bomb detonated by a remote control exploded in front of the U.S. Embassy in Beirut, killing 63 employees, including the CIA's Middle East director, and wounding 120. Hizballah, with financial backing from Iran, was responsible for the attack. July 1, 1983, Hebron, Israel. Aharon Gross, 19, an American-Israeli from New York, was stabbed to death by PLO terrorists in the Hebron marketplace. September 29, 1983, Beirut, Lebanon. Two American marines were kidnapped by Amal members. They were released after intervention by a Lebanese army officer. October 23, 1983, Beirut, Lebanon. A truck loaded with a bomb crashed into the lobby of the U.S. Marines headquarters in Beirut, killing 241 soldiers and wounding 81. The attack was carried out by Hizballah with the help of Syrian intelligence and financed by Iran. December 19, 1983, Jerusalem, Israel. Serena Sussman, a 60-year-old tourist from Anderson, South Carolina, died from injuries from the PLO bombing of a bus in Jerusalem 13 days earlier. January 18, 1984, Beirut, Lebanon. Malcolm Kerr, a Lebanese born American who was president of the American University of Beirut, was killed by two gunmen outside his office. Hizballah said the assassination was part of the organization's plan to "drive all Americans out from Lebanon." March 7, 1984, Beirut, Lebanon. Hizballah members kidnapped Jeremy Levin, Beirut bureau chief of Cable News Network (CNN). Levin managed to escape and reach Syrian army barracks. He was later transferred to American hands. March 8, 1984, Beirut, Lebanon. Three Hizballah members kidnapped Reverend Benjamin T. Weir, while he was walking with his wife in Beirut's Manara neighborhood. Weir was released after 16 months of captivity with Syrian and Iranian assistance. March 16, 1984, Beirut, Lebanon. Hizballah kidnapped William Buckley, a political officer at the U.S. Embassy in Beirut. Buckley was supposed to be exchanged for prisoners. However when the transaction failed to take place, he was reportedly transported to Iran. Although his body was never found, the U.S. administration declared the American diplomat dead. April 12, 1984, Torrejon, Spain. Hizballah bombed a restaurant near an U.S. Air Force base in Torrejon, Spain, wounding 83 people. September 20, 1984, Beirut, Lebanon. A suicide bomb attack on the U.S. Embassy in East Beirut killed 23 people and injured 21. The American and British ambassadors were slightly injured in the attack, attributed to the Iranian backed Hizballah group. September 20, 1984, Aukar, Lebanon. Islamic Jihad detonate a van full of explosives 30 feet in front of the U.S. Embassy annex severely damaging the building, killing two U.S. servicemen and seven Lebanese employees, as well as 5 to 15 non-employees. Twenty Americans were injured, including U.S. Ambassador Reginald Bartholomew and visiting British Ambassador David Miers. An estimated 40 to 50 Lebanese were hurt. The attack came in response to the U.S. veto September 6 of a U.N. Security Council resolution. December 4, 1984, Tehran, Iran. Hizballah terrorists hijacked a Kuwait Airlines plane en route from Dubai, United Emirates, to Karachi, Pakistan. They demanded the release from Kuwaiti jails of members of Da'Wa, a group of Shiite extremists serving sentences for attacks on French and American targets on Kuwaiti territory. The terrorists forced the pilot to fly to Tehran where the terrorists murdered two passengers--American Agency for International Development employees, Charles Hegna and William Stanford. Although an Iranian special unit ended the incident by storming the plane and arresting the terrorists, the Iranian government might also have been involved in the hijacking. June 14, 1985, Between Athens and Rome. Two Hizballah members hijacked a TWA flight en route to Rome from Athens and forced the pilot to fly to Beirut. The terrorists, believed to belong to Hizballah, asked for the release of members of the group Kuwait 17 and 700 Shi'ite prisoners held in Israeli and South Lebanese prisons. The eight crewmembers and 145 passengers were held for 17 days during which one of the hostages, Robert Stethem, a U.S. Navy diver, was murdered. After being flown twice to Algiers, the aircraft returned to Beirut and the hostages were released. Later on, four Hizballah members were secretly indicted. One of them, the Hizballah senior officer Imad Mughniyah, was indicted in absentia. October 7, 1985, Between Alexandria, Egypt and Haifa, Israel. A four-member PFLP squad took over the Italian cruise ship Achille Lauro, as it was sailing from Alexandria, Egypt, to Israel. The squad murdered a disabled U.S. citizen, Leon Klinghoffer, by throwing him in the ocean. The rest of the passengers were held hostage for two days and later released after the terrorists turned themselves in to Egyptian authorities in return for safe passage. But U.S. Navy fighters intercepted the Egyptian aircraft flying the terrorists to Tunis and forced it to land at the NATO airbase in Italy, where the terrorists were arrested. Two of the terrorists were tried in Italy and sentenced to prison. The Italian authorities however let the two others escape on diplomatic passports. Abu Abbas, who masterminded the hijacking, was later convicted to life imprisonment in absentia. December 27, 1985, Rome, Italy. Four terrorists from Abu Nidal's organization attacked El Al offices at the Leonardo di Vinci Airport in Rome. Thirteen people, including five Americans, were killed and 74 wounded, among them two Americans. The terrorists had come from Damascus and were supported by the Syrian regime. March 30, 1986, Athens, Greece. A bomb exploded on a TWA flight from Rome as it approached Athens airport. The attack killed four U.S. citizens who were sucked through a hole made by the blast, although the plane safely landed. The bombing was attributed to the Fatah Special Operations Group's intelligence and security apparatus, headed by Abdullah Abd al-Hamid Labib, alias Colonel Hawari. April 5, 1986, West Berlin, Germany. An explosion at the "La Belle" nightclub in Berlin, frequented by American soldiers, killed three--2 U.S. soldiers and a Turkish woman-and wounded 191 including 41 U.S. soldiers. Given evidence of Libyan involvement, the U.S. Air Force made a retaliatory attack against Libyan targets on April 17. Libya refused to hand over to Germany five suspects believed to be there. Others, however, were tried including Yassir Shraidi and Musbah Eter, arrested in Rome in August 1997 and extradited; and also Ali Chanaa, his wife, Verena Chanaa, and her sister, Andrea Haeusler. Shraidi, accused of masterminding the attack, was sentenced to 14 years in jail. The Libyan diplomat Musbah Eter and Ali Chanaa were both sentenced to 12 years in jail. Verena Chanaa was sentenced to 14 years in prison. Andrea Haeusler was acquitted. September 5, 1986, Karachi, Pakistan. Abu Nidal members hijacked a Pan Am flight leaving Karachi, Pakistan bound for Frankfurt, Germany and New York with 379 passengers, including 89 Americans. The terrorists forced the plane to land in Larnaca, Cyprus, where they demanded the release of two Palestinians and a Briton jailed for the murder of three Israelis there in 1985. The terrorists killed 22 of the passengers, including two American citizens and wounded many others. They were caught and indicted by a Washington grand jury in 1991. September 9, 1986, Beirut, Lebanon. Continuing its anti-American attacks, Hizballah kidnapped Frank Reed, director of the American University in Beirut, whom they accused of being "a CIA agent." He was released 44 months later. September 12, 1986, Beirut, Lebanon. Hizballah kidnapped Joseph Cicippio, the acting comptroller at the American University in Beirut. Cicippio was released five years later on December 1991. October 15, 1986, Jerusalem, Israel. Gali Klein, an American citizen, was killed in a grenade attack by Fatah at the Western Wall in Jerusalem. October 21, 1986, Beirut, Lebanon. Hizballah kidnapped Edward A. Tracy, an American citizen in Beirut. He was released five years later, on August 1991. February 17, 1988, Ras-Al-Ein Tyre, Lebanon. Col. William Higgins, the American chief of the United Nations Truce Supervisory Organization, was abducted by Hizballah while driving from Tyre to Nakura. The hostages demanded the withdrawal of Israeli forces from Lebanon and the release of all Palestinian and Lebanese held prisoners in Israel. The U.S. government refused to answer the request. Hizballah later claimed they killed Higgins. December 21, 1988, Lockerbie, Scotland. Pan Am Flight 103 departing from Frankfurt to New York was blown up in midair, killing all 259 passengers and another 11 people on the ground in Scotland. Two Libyan agents were found responsible for planting a sophisticated suitcase bomb onboard the plane. On 14 November 1991, arrest warrants were issued for Al-Amin Khalifa Fahima and Abdel Baset Ali Mohamed al-Megrahi. After Libya refused to extradite the suspects to stand trial, the United Nations leveled sanctions against the country in April 1992, including the freezing of Libyan assets abroad. In 1999, Libyan leader Muammar Gadhafi agreed to hand over the two suspects, but only if their trial was held in a neutral country and presided over by a Scottish judge. With the help of Saudi Arabia's King Fahd and Crown Prince Abdullah, Al-Megrahi and Fahima were finally extradited and tried in Camp Zeist in the Netherlands. Megrahi was found guilty and jailed for life, while Fahima was acquitted due to a "lack of evidence" of his involvement. After the extradition, UN sanctions against Libya were automatically lifted. January 27, 1989, Istanbul and Ankara, Turkey. Three simultaneous bombings were carried out against U.S. business targets--the Turkish American Businessmen Association and the Economic Development Foundation in Istanbul, and the Metal Employees Union in Ankara. The Dev Sol (Revolutionary Left) was held responsible for the attacks. March 6, 1989, Cairo, Egypt. Two explosive devices were safely removed from the grounds of the American and British Cultural centers in Cairo. Three organizations were believed to be responsible for the attack: The January 15 organization, which had sent a letter bomb to the Israeli ambassador to London in January; the Egyptian Revolutionary Organization that from out 1984-1986 carried out attacks against U.S. and Israeli targets; and the Nasserite Organization, which had attacked British and American targets in 1988. June 12, 1989, Bosphorus Straits, Turkey. A bomb exploded aboard an unoccupied boat used by U.S. consular staff. The explosion caused extensive damage but no casualties. An organization previously unknown, the Warriors of the June 16th Movement, claimed responsibility for the attack. October 11, 1989, Izmir, Turkey. An explosive charge went off outside a U.S. military PX. Dev Sol was held responsible for the attack. February 7, 1991, Incirlik Air Base, Turkey. Dev Sol members shot and killed a U.S. civilian contractor as he was getting into his car at the Incirlik Air Base in Adana, Turkey. February 28, 1991, Izmir, Turkey. Two Dev Sol gunmen shot and wounded a U.S. Air Force officer as he entered his residence in Izmir. March 28, 1991, Jubial, Saudi Arabia. Three U.S. marines were shot at and injured by an unknown terrorist while driving near Camp Three, Jubial. No organization claimed responsibility for the attack. October 28, 1991, Ankara, Turkey. Victor Marwick, an American soldier serving at the Turkish-American base, Tuslog, was killed and his wife wounded in a car bomb attack. The Turkish Islamic Jihad claimed responsibility for the attack. October 28, 1991, Istanbul, Turkey. Two car bombings killed a U.S. Air Force sergeant and severely wounded an Egyptian diplomat in Istanbul. Turkish Islamic Jihad claimed responsibility. November 8, 1991, Beirut, Lebanon. A 100-kg car bomb destroyed the administration building of the American University in Beirut, killing one person and wounding at least a dozen. October 12, 1992, Umm Qasr, Iraq. A U.S. soldier serving with the United Nations was stabbed and wounded near the port of Umm Qasr. No organization claimed responsibility for the attack. January 25, 1993, Virginia, United States. A Pakistani gunman opened fire on Central Intelligence Agency (CIA) employees standing outside of the building. Two agents, Frank Darling and Bennett Lansing, were killed and three others wounded. The assailant was never caught and reportedly fled to Pakistan. February 26, 1993, Cairo, Egypt. A bomb exploded inside a café in downtown Cairo killing three. Among the 18 wounded were two U.S. citizens. No one claimed responsibility for the attack. February 26, 1993, New York, United States. A massive van bomb exploded in an underground parking garage below the World Trade Center in New York City, killing six and wounding 1,042. Four Islamist activists were responsible for the attack. Ramzi Ahmed Yousef, the operation's alleged mastermind, escaped but was later arrested in Pakistan and extradited to the United States. Abd al-Hakim Murad, another suspected conspirator, was arrested by local authorities in the Philippines and handed over to the United States. The two, along with two other terrorists, were tried in the U.S. and sentenced to 240 years. April 14, 1993, Kuwait. The Iraqi intelligence service attempted to assassinate former U.S. President George Bush during a visit to Kuwait. In retaliation, the U.S. launched a cruise missile attack two months later on the Iraqi capital, Baghdad. July 5, 1993, Southeast Turkey. In eight separate incidents, the Kurdistan Workers' Party (PKK) kidnapped a total of 19 Western tourists traveling in southeastern Turkey. The hostages, including U.S. citizen Colin Patrick Starger, were released unharmed after spending several weeks in captivity. December 1, 1993, north of Jerusalem, West Bank. Yitzhak Weinstock, 19, whose family came from Los Angeles, CA, was killed in a drive-by shooting. Hamas took responsibility for the attack Sometime in 1994: near Atzmona, Gaza. U.S. citizen Mrs. Sheila Deutsch of Brooklyn, NY injured in a shooting attack. October 9, 1994. Nachshon Wachsman, 19, whose family came from New York, was kidnapped and then murdered by Hamas. October 9, 1994: Jerusalem, Israel. Shooting attack on cafe-goers in Jerusalem. U.S. citizens Scot Doberstein and Eric Goldberg were injured. March 8, 1995, Karachi, Pakistan. Two unidentified gunmen armed with AK-47 assault rifles opened fire on a U.S. Consulate van in Karachi, killing two U.S. diplomats, Jacqueline Keys Van Landingham and Gary C. Durell, and wounding a third, Mark McCloy. April 9, 1995, Kfar Darom and Netzarim, Gaza Strip. Two suicide attacks were carried out within a few hours of each other in Jewish settlements in the Gaza Strip. In the first attack a suicide bomber crashed an explosive-rigged van into an Israeli bus in Netzarim, killing eight including U.S. citizen Alisa Flatow, 20, of West Orange, NJ. More than 30 others were injured. In the second attack, a suicide bomber detonated a car bomb in the midst of a convoy of cars in Kfar Darom, injuring 12. The Palestine Islamic Jihad (PIJ) Shaqaqi Faction claimed responsibility for the attacks. U.S. citizens Chava Levine and Seth Klein were injured. June 15, 1995: Jerusalem, Israel. U.S. citizen Howard Tavens of Cleveland, OH was injured in a stabbing attack. July 4, 1995, Kashmir, India. In Kashmir, a previously unknown militant group, Al-Faran, with suspected links to a Kashmiri separatist group in Pakistan, took hostage six tourists, including two U.S. citizens. They demanded the release of Muslim militants held in Indian prisons. One of the U.S. citizens escaped on July 8, while on August 13 the decapitated body of the Norwegian hostage was found along with a note stating that the other hostages also would be killed if the group's demands were not met. The Indian Government refused. Both Indian and American authorities believe the rest of the hostages were most likely killed in 1996 by their jailers. August 1995, Istanbul, Turkey. A bombing of Istanbul's popular Taksim Square injured two U.S. citizens. This attack was part of a three-year-old attempt by the PKK to drive foreign tourists away from Turkey by striking at tourist sites. August 21, 1995, Jerusalem, Israel. A bus bombing in Jerusalem by the Islamic Resistance Movement (Hamas) killed four, including American Joan Davenny of New Haven, CT, and wounded more than 100. U.S. citizens injured: Chanoch Bleier, Judith Shulewitz, Bernard Batta. September 9, 1995. Ma'ale Michmash. American killed: Unborn child of Mrs. Mara Frey of Chicago. Mara Frey was injured. November 9, 1995, Algiers, Algeria. Islamic extremists set fire to a warehouse belonging to the U.S. Embassy, threatened the Algerian security guard because he was working for the United States, and demanded to know whether any U.S. citizens were present. The Armed Islamic Group (GIA) probably carried out the attacks. The group had threatened to strike other foreign targets and especially U.S. objectives in Algeria, and the attack's style was similar to past GIA operations against foreign facilities. November 13, 1995, Riyadh, Saudi Arabia. A car bomb exploded in the parking lot outside of the Riyadh headquarters of the Office of the Program Manager/Saudi Arabian National Guard, killing seven persons, five of them U.S. citizens, and wounding 42. The blast severely damaged the three-story building, which houses a U.S. military advisory group, and several neighboring office buildings. Three groups -- the Islamic Movement for Change, the Tigers of the Gulf, and the Combatant Partisans of God -- claimed responsibility for the attack. February 25, 1996, Jerusalem, Israel. A suicide bomber blew up a commuter bus in Jerusalem, killing 26, including three U.S. citizens, and injuring 80 others, among them three other U.S. citizens. Hamas claimed responsibility for the bombing. U. S. citizens killed: Sara Duker, of Teaneck, NJ, Matthew Eisenfeld of West Hartford, CT, Ira Weinstein of Bronx, NY. U.S. citizens injured: Beatrice Kramer, Steven Lapides, and Leah Stein Mousa. March 4, 1996, Tel Aviv, Israel. A suicide bomber detonated an explosive device outside the Dizengoff Center, Tel Aviv's largest shopping mall, killing 20 persons and injuring 75 others, including two U.S. citizens. Both Hamas and the Islamic Jihad claimed responsibility for the bombing. U.S. citizens injured included Julie K. Negrin of Seattle, WA. May 13, 1996, Beit-El, West Bank. Arab gunmen opened fire on a hitchhiking stand near Beit El, wounding three Israelis and killing David Boim, 17, an American-Israeli from New York. No one claimed responsibility for the attack, although either the Islamic Jihad or Hamas are suspected. U.S. citizens injured: Moshe Greenbaum, 17. June 9, 1996, outside Zekharya. Yaron Ungar, an American-Israeli, and his Israeli wife were killed in a drive-by shooting near their West Bank home. The PFLP is suspected. June 25, 1996, Dhahran, Saudi Arabia. A fuel truck carrying a bomb exploded outside the U.S. military's Khobar Towers housing facility in Dhahran, killing 19 U.S. military personnel and wounding 515 persons, including 240 U.S. personnel. Several groups claimed responsibility for the attack. In June 2001, a U.S. District Court in Alexandria, Virginia, identified Saudi Hizballah as the party responsible for the attack. The court indicated that the members of the organization, banned from Saudi Arabia, "frequently met and were trained in Lebanon, Syria, or Iran" with Libyan help. August 17, 1996, Mapourdit, Sudan. Sudan People's Liberation Army (SPLA) rebels kidnapped six missionaries in Mapourdit, including a U.S citizen. The SPLA released the hostages on August 28. November 1, 1996, Sudan. A breakaway group of the Sudanese People's Liberation Army (SPLA) kidnapped three workers of the International Committee of the Red Cross (ICRC), including one U.S citizen. The rebels released the hostages on December 9 in exchange for ICRC supplies and a health survey of their camp. December 3, 1996, Paris, France. A bomb exploded aboard a Paris subway train, killing four and injuring 86 persons, including a U.S. citizen. No one claimed responsibility for the attack, but Algerian extremists are suspected. January 2, 1997, Major cities worldwide, United States. A series of letter bombs with Alexandria, Egypt postmarks were discovered at Al-Hayat newspaper bureaus in Washington, DC, New York, London, and Riyadh. Three similar devices, also postmarked in Egypt, were found at a prison facility in Leavenworth, Kansas. Bomb disposal experts defused all the devices, but one detonated at the Al-Hayat newspaper office in London, injuring two security guards and causing minor damage. February 23, 1997, New York, United States. A Palestinian gunman opened fire on tourists at an observation deck atop the Empire State building in New York, killing a Danish national and wounding visitors from the United States, Argentina, Switzerland and France before turning the gun on himself. A handwritten note carried by the gunman claimed this was a punishment attack against the "enemies of Palestine." July 30, 1997, Jerusalem, Israel. Two bombs detonated in Jerusalem's Mahane Yehuda market, killing 15 persons, including a U.S. citizen and wounding 168 others, among them two U.S. citizens. The Izz-el-Din al-Qassam Brigades, Hamas' military wing, claimed responsibility for the attack. U.S. citizens killed: Mrs. Leah Stern of Passaic, NJ. U.S. citizens injured: Dov Dalin. September 4, 1997: Jerusalem, Israel. Bombing on Ben-Yehuda Street, Jerusalem. U.S. citizens killed: Yael Botwin, 14, of Los Angeles and Jerusalem. U.S. citizens injured: Diana Campuzano of New York, Abraham Mendelson of Los Angeles, CA, Greg Salzman of New Jersey, Stuart E. Hersh of Kiryat Arba, Israel, Michael Alzer, Abraham Elias, David Keinan, Daniel Miller of Boca Raton, FL, Noam Rozenman of Jerusalem, Jenny (Yocheved) Rubin of Los Angeles, CA. Hamas claimed responsibility for the attack. October 30, 1997, Sanaa, Yemen. Al-Sha'if tribesmen kidnapped a U.S. businessman near Sanaa. The tribesmen sought the release of two fellow tribesmen who were arrested on smuggling charges and several public works projects they claim the government promised them. The hostage was released on November 27. November 12, 1997, Karachi, Pakistan. Two unidentified gunmen shot to death four U.S. auditors from Union Texas Petroleum and their Pakistani driver as they drove away from the Sheraton Hotel in Karachi. Two groups claimed responsibility -- the Islamic Inqilabi Council, or Islamic Revolutionary Council and the Aimal Secret Committee, also known as the Aimal Khufia Action Committee. November 25, 1997, Aden, Yemen. Yemenite tribesmen kidnapped a U.S citizen, two Italians, and two unspecified Westerners near Aden to protest the eviction of a tribe member from his home. The kidnappers released the five hostages on November 27. February 6, 1998, Jerusalem, Israel. Stabbing in Jerusalem. U.S. Citizen Yosef Lepon, 17 injured. April 19, 1998, Maon, Israel. Dov Driben, a 28-year-old American-Israeli farmer was killed by terrorists near the West Bank town of Maon. One of his assailants, Issa Debavseh, a member of Fatah Tanzim, was killed on November 7, 2001, by the IDF after being on their wanted list for the murder. June 21, 1998, Beirut, Lebanon. Two hand-grenades were thrown at the U.S. Embassy in Beirut. No casualties were reported. June 21, 1998, Beirut, Lebanon. Three rocket-propelled grenades attached to a crude detonator exploded near the U.S. Embassy compound in Beirut, causing no casualties and little damage. August 7, 1998, Nairobi, Kenya. A car bomb exploded at the rear entrance of the U.S. Embassy in Nairobi. The attack killed a total of 292, including 12 U.S. citizens, and injured over 5,000, among them six Americans. The perpetrators belonged to al-Qaida, Usama bin Ladin's network. August 7, 1998, Dar es Sala'am, Tanzania. A car bomb exploded outside the U.S. Embassy in Dar es Sala'am, killing 11 and injuring 86. Osama bin Laden's organization al-Qaida claimed responsibility for the attack. Two suspects were arrested. November 21, 1998, Teheran, Iran. Members of Fedayeen Islam, shouting anti-American slogans and wielding stones and iron rods, attacked a group of American tourists in Tehran. Some of the tourists suffered minor injuries from flying glass. December 28, 1998, Mawdiyah, Yemen. Sixteen tourists--12 Britons, two Americans and two Australians--were taken hostage in the largest kidnapping in Yemen's recent history. The tourists were seized in the Abyan province (some 175 miles south of Sanaa the capital). One Briton and a Yemeni guide escaped, while the rest were taken to city of Mawdiyah. Four hostages were killed when troops closed in and two were wounded, including an American woman. The kidnappers, members of the Islamic Army of Aden-Abyan, an offshoot of Al-Jihad, had demanded the release from jail of their leader, Saleh Haidara al-Atwi. October 31, 1999, Nantucket, Massachusetts, United States. EgyptAir Flight 990 crashed off the U.S. coast killing all 217 people on board, including 100 Americans. Although it is not precisely clear what happened, evidence indicated that an Egyptian pilot crashed the plane for personal or political reasons. November 4, 1999, Athens, Greece. A group protesting President Clinton's visit to Greece hid a gas bomb at an American car dealership in Athens. Two cars were destroyed and several others damaged. Anti-State Action claimed responsibility for the attack, but the November 17 group was also suspected. November 12, 1999, Islamabad, Pakistan. Six rockets were fired at the U.S. Information Services cultural center and United Nations offices in Islamabad, injuring a Pakistani guard. September 29, 2000. near Jerusalem Israel. Attack on motorists. U.S. citizens injured: Avi Herman of Teaneck, NJ, Naomi Herman of Teaneck, NJ. September 29, 2000, Jerusalem, Israel. Attack on taxi passengers. U.S. citizens injured: Tuvia Grossman of Chicago, Todd Pollack of Norfolk, VA, Andrew Feibusch of New York. October 4, 2000, near Bethlehem, West Bank. U.S. citizens injured: An unidentified American tourist. October 5, 2000: near Jerusalem, Israel. Attack on a motorist. U.S. citizens injured: Rabbi Chaim Brovender of Brooklyn. October 8, 2000, Nablus, West Bank. The bullet-ridden body of Rabbi Hillel Lieberman, a U.S. citizen from Brooklyn living in the Jewish settlement of Elon Moreh, was found at the entrance to the West Bank town of Nablus. Lieberman had headed there after hearing that Palestinians had desecrated the religious site, Joseph's Tomb. No organization claimed responsibility for the murder. October 12, 2000, Aden Harbor, Yemen. A suicide squad rammed the warship the U.S.S. Cole with an explosives-laden boat killing 13 American sailors and injuring 33. The attack was likely by Osama bin Ladin's al-Qaida organization. October 30, 2000, Jerusalem, Israel. Gunmen killed Eish Kodesh Gilmor, a 25-year-old American-Israeli on duty as a security guard at the National Insurance Institute in Jerusalem. The "Martyrs of the Al-Aqsa Intifada," a group linked to Fatah, claimed responsibility for the attack. Gilmor's family filed a suit in the U.S. District Court in Washington against the Palestinian Authority, the PLO, Chairman Yasser Arafat and members of Force 17, as being responsible for the attack. December 31, 2000, Ofra, Israel. Rabbi Binyamin Kahane, 34, and his wife, Talia Hertzlich Kahane, both formerly of Brooklyn, NY were killed in a drive-by shooting. Their children, Yehudit Leah Kahane, Bitya Kahane, Tzivya Kahane, Rivka Kahane, and Shlomtsion Kahane, were injured in the attack. March 28, 2001, Neve Yamin. Bombing at bus stop. U.S. citizens injured: Netanel Herskovitz, 15, formerly of Hempstead, NY. May 9, 2001, Tekoa, West Bank. Kobi Mandell, 13, of Silver Spring, MD, an American-Israeli, was found stoned to death along with a friend in a cave near the Jewish settlement of Tekoa. Two organizations, the Islamic Jihad and Hizballah-Palestine, claimed responsibility for the attack. May 29, 2001, Gush Etzion, West Bank. The Fatah Tanzim claimed responsibility for a drive-by shooting of six in the West Bank that killed two American-Israeli citizens, Samuel Berg, and his mother, Sarah Blaustein. U.S. citizens injured: Norman Blaustein of Lawrence, NY. July 19, 2001, Hebron, West Bank. Shooting attack. U.S. citizens injured: An unidentified woman from Brooklyn, NY. August 9, 2001, Jerusalem, Israel. A suicide bombing at Sbarro's, a pizzeria situated in one of the busiest areas of downtown Jerusalem, killed 15 people and wounded more than 90. Hamas claimed responsibility for the attack. U.S. citizens killed: Judith L. Greenbaum, 31, of New Jersey and California, Malka Roth, 15, whose family was from New York. U.S. citizens injured: David Danzig, 21, of Wynnewood, PA, Matthew P. Gordon, 25, of New York, Joanne (Chana) Nachenberg, 31, Sara Shifra Nachenberg, 2. August 18, 2001, Jerusalem, Israel. Shooting at a bus. U.S. citizen injured: Andrew Feibusch of New York. August 27, 2001, near Roglit, Israel. Shooting attack. U.S. citizen injured: Ben Dansker. September 11, 2001, New York, Washington D.C., and Pennsylvania, United States. During a carefully coordinated attack, 19 Islamist extremists hijacked four U.S. jetliners and forced them to crash into the World Trade Center and the Pentagon. In all, 266 people perished in the four planes, and more than 3,000 people were killed on the ground. U.S. investigators determined on the basis of extensive evidence that Usama bin Ladin's al-Qaida group was responsible for the attack. The first plane, American Airlines Flight 11 en route from Boston to Los Angeles, crashed into the World Trade Center's north tower at 8:48 a.m. Eighteen minutes later, United Airlines Flight 175, also headed from Boston to Los Angeles, smashed into the World Trade Center's south tower. At 9:40 a.m. a third airplane, an American Airlines Boeing 757 that left Washington's Dulles International Airport for Los Angeles, crashed into the western part of the Pentagon where 24,000 people worked. The fourth plane, a United Airlines Flight 93 flying from Newark to San Francisco, crashed near Pittsburgh, Pennsylvania, most likely before it could hit its target. Hundreds of firefighters, police officers and other rescue workers who arrived in the site after the first plane crash were killed or injured. November 4, 2001, Jerusalem, Israel. Shoshana Ben-Yishai, 16, of Queens, NY was killed in a shooting at a bus station. U.S. citizen injured: Shlomo Kaye. December 2, 2001, Jerusalem, Israel. Bombing on Ben-Yehuda Street, Jerusalem. U.S. citizens injured: Ziv Brill, 17, of West Hempstead, Long Island, NY, Temima Spetner, 19, of St. Louis, MI, Jason Kirshenbaum of New Rochelle, NY, Israel Hirschfield, 18, Joseph Leifer, 29, of Borough Park (Brooklyn), NY. December 18, 2001, shooting on the Jerusalem-Shilo road. U.S. citizens injured: David Rubin, 44, of Brooklyn, NY, Asher "Ruby" Rubin, 3. January 15, 2002, Bethlehem, West Bank. Avraham Boaz, 71, of New York, a dual Israeli-American citizen, was kidnapped at a PA security checkpoint in Beit Jala and murdered. January 18, 2002: Shooting in Hadera. U.S. citizen killed: Aaron Elis, 32, son of Chicago family. January 22, 2002: Shooting in Jerusalem, Israel. U.S. citizen injured: Shayna Gould, 19, of Chicago, IL January 27, 2002, Jerusalem, Israel. A Palestinian woman triggered a massive explosion in downtown Jerusalem killing one elderly Israeli and injuring more than 150, including American Mark Sokolow, his wife, and 16 and 12-year-old daughters. Sokolow had earlier survived the September 11 attack on the World Trade Center, escaping from his law office on the 38th floor of the South Tower before it collapsed. February 8, 2002, Jerusalem, Israel. Stabbing in Abu Tor Peace Forest Jerusalem. U.S. citizen killed: Moranne Amit, 25 February 15, 2002, near Ramallah, West Bank. Lee Akunis was shot to death. February 16, 2002: Bombing in Karnei Shomron. U.S. citizens killed: Keren Shatsky, 14, of Brooklyn, NY and Maine, Rachel Thaler, 16, of Baltimore, MD. U.S. citizens injured: Lior Thaler, 14, of Baltimore, MD, Hillel Trattner of Chicago, IL, Ronit Yucht Trattner of Chicago, IL, Chani Friedman of New York. February 19, 2002: Shooting near Neve Dekalim. U.S. citizens injured: Moshe Saperstein of New York. February 25, 2002, Jerusalem, Israel. Moran Amit, 25, was stabbed to death in Abu Tor Peace Forest in Jerusalem. March 7, 2002, Eshel Hashomron Hotel, Ariel, Israel. A Christian tourist from Arkansas lost her right eye in an attack by a suicide bomber. March 21, 2002, Jerusalem, Israel. Bombing on a Jerusalem street. U.S. citizens injured: Alan Joseph Bauer, 37, of Chicago, Yonathon Bauer, 7 (dual U.S.-Israeli citizenship). March 24, 2002, Ofra, Israel. Shooting near Ofra. U.S. citizens killed: Esther Kleinman, 23, formerly of Chicago, IL. March 27, 2002, Netanya, Israel. U.S. citizen Hannah Rogen, 90, was killed in a suicide attack at a Passover Seder. March 31, 2002, Efrat, Israel. Bombing in Efrat. U.S. citizens injured: An unidentified American citizen. June 18, 2002, Jerusalem, Israel. Moshe Gottlieb, 70, of Los Angeles, CA was killed in a bus bombing in Jerusalem. June 19, 2002, Jerusalem, Israel. Gila Sara Kessler, 19, whose family came from New York, was killed in a bombing at a bus stop. July 31, 2002, Hebrew University, Jerusalem, Israel. Nine people were killed when a bomb exploded in the main cafeteria at the Hebrew University's Mount Scopus campus in Jerusalem. Five were U.S. citizens: Janis Ruth Coulter, 36, of MA; Marla Bennet, 24, of San Diego, CA; David Gritz (also a French citizen), 24, of Peru, MA; Benjamin Blutstein, 25, of Susquehanna Township, PA; and Dina Carter, 37, of NC. Israelis David Ladovsky, 29, and Levina Shapira, 53 also died in the bombing. U.S. citizens injured: Spencer Dew, 26, of Owensboro, Kentucky; Zeev Spencer; Harris Gershon; Jamie Harris. Hamas claimed responsibility for the attack. March 5, 2003: Bus bombing in Haifa. U.S. citizens killed: Abigail Leitel, 14, who was born in Lebanon, New Hampshire. March 7, 2003: Shooting in the victims’ home. U.S. citizens killed: Rabbi Eli Horowitz, 52, who grew up in Chicago; Dina Horowitz, 50, who grew up in Florida April 30, 2003: Bombing at a Tel Aviv pub. U.S. citizens injured: Jack Baxter, 50, of New York City. June 11, 2003: Bus bombing in Jerusalem. U.S. citizens killed: Alan Beer, 47, who grew up in Cleveland. U.S. citizens injured: Sarri Singer, 27, daughter of New Jersey State Senator Robert Singer. June 20, 2003: Shooting attack on a car driving through the West Bank. U.S. citizens killed: Tzvi Goldstein, 47, who grew up in New York; U.S. citizens injured: Eugene Goldstein, Tzvi’s father, of Long Island, New York; Lorraine Goldstein, Tzvi’s mother, of Long Island, New York; Michal Goldstein, Tzvi’s wife, who grew up in New York. August 19, 2003: Homicide bombing on a bus in Jerusalem. U.S. citizens killed: Goldie Taubenfeld, 43, of New Square, New York; Shmuel Taubenfeld, 3 months, of New Square, New York; Mordechai Reinitz, 49; Yitzhak Reinitz, 9. Tehilla Nathanson, 3, of Monsey, New York; U.S. citizens injured: Mendel Reinitz, 11. September 9, 2003: Homicide bombing at a cafe in Jerusalem. David Applebaum, 51, and his daughter Nava, 20, originally of Cleveland were killed. October 15, 2003: Bombing of American convoy in the Gaza Strip: John Branchizio, 37, Mark Parson, 31, and John Martin Linde, 30, were on contract to the U.S. embassy in Tel Aviv through the defense contracting company Dyncorp.U.S. citizens injured: One as-yet-unnamed U.S. citizen (reportedly a diplomat). September 24, 2004: Mortar strike on a housing community: Tiferet Tratner, 24, (dual U.S.-Israeli citizenship). April 17, 2006: Homicide bombing at the Rosh Ha'ir restaurant in Tel Aviv: Daniel Wultz, 16, of Weston, Florida, died one month after receiving his wounds in this bombing. Compiled by Caroline Taillandier, a research assistant at the GLORIA center and student at Tel Aviv University, Dr. Mitchell Bard, and Alden Oreck, Avi Hein, and Elihai Braun, research assistants at the American-Israeli Cooperative Enterprise, and Paul Teller, Deputy Director, House Republican Study Committee. -------------------------------------------------------------------------------- Sources: Chronology on Terrorist Incidents 1961-2001, State Department; "Patterns of Terrorism" reports 1995-2000; State Department Institute for Counter-Terrorism Database; Interdisciplinary Center, Herzliya; Peacewatch, The Washington Institute for New East Policy; AIPAC; Ha'aretz, Republican Study Committee