1. Yearly Budget Preparation Nasir Ahmad Finance Refresher Course Feb 21, 2015

2. Who should be included in Income Budget? All members (male and female) of your Jama’at who have jobs and earn wages, salaries, tips, etc. All members (male and female) who are self employed. All members (male and female) who have income through retirement, social security benefits, personal allowances etc. All members (male and female) who have income through rents, royalties, investments, farming, etc. All members (male and female) who are students and have income through full time or part time jobs.

3. Other Considerations Members should be made aware that any person, who is unable to pay according to the prescribed rate due to financial hardship, should write to Hazrat Khalifatul Masih aba to get permission to pay according to their capacity. Moosies must declare their net income; otherwise they run the risk of having their Wasiyyat cancelled. Moreover, Moosies can not ask Hazrat Khalifatul Masih to reduce their prescribed rate of Chanda Wasiyyat. All students who do not have jobs but receive some scholarship and are not able to pay Chanda according to prescribed rate due to financial hardship, should write to Hazrat Khalifatul Masih for permission to pay according to their capacity.

4. Income Budget Preparation The task of Assessment (Tashkhis) is of vital importance. All Jamaats must carry out individual assessment of all earning members before making their budget. Every earning member (man or woman) must be included in the budget, according to their true income, with the exception of those who have been granted concession by Khalifatul Masih aba to pay at a reduced rate.

5. Income Budget Preparation The true income of persons who have been granted concession should be recorded, but their Chanda should be received according to the approved concessional rate. Such remission in the rate shall not apply to Chanda Wasiyyat.

6. Hadhrat Musleh Maud (ra)’s Instructions Baitul Mal is mistaken in thinking that such a budget will not be achieved. I say, so be it, but at least the Jamaat will realize that it has to achieve this budget. The Jamaat that achieves such a budget shall be worthy of praise and the one that fails to do so will be reminded about it. What is happening now is wrong. A Jamaat that achieves the budget, but does not collect Chanda from all members, is adjudged praise-worthy, while a Jamaat that is active in its work and collects Chanda from all members, but fails to fulfil the budget, is discouraged.

7. Hadhrat Musleh Maud (ra)’s Instructions Therefore, there is nothing to stop a member who does not pay as per prescribed rate from being included in the list of Chanda-payers. The budget of every Jamaat should be an Anna per Rupee inclusive of all members whether they are payers or non-payers. In this way, the budget of income can be raised considerably. Even though the whole budget may not be achieved in the first year, the Jamaats who prepare a sub-standard budget will be motivated.

8. Hadhrat Musleh Maud (ra) during Shura 1941: During the debate over the budget, someone suggested that budgets of the Jamaats should be made without including those who are tardy in paying Chandas. I ought to say something about this. The fact is that if we were to permit the Jamaats not to include the weak members in their budget and to draw up their budgets excluding them, this would amount to suicide. If the Jamaats are permitted to exclude such people who seem tardy to their eyes, then the number of such persons would increase day by day.

9. Hadhrat Musleh Maud (ra) during Shura 1941: Moreover, what merit do they have if they send their Chandas by excluding the tardy members? This would lead to winning undue praise because those who are giving are giving by themselves and not because of your effort---Hence this is not only wrong but also very harmful for the Jamaat. In this manner, not only will the Jamaat be unworthy of any praise, but even the individuals, instead of making progress, will begin to show signs of regression. And when you remove the names of the tardy members from your lists, you will not be thinking of reforming them. And slowly their faith will be lost.

10. Income Budget Must be received in Baitur Rehman: December 15 Contact all earning members in-person, or by phone or in writing All earning Lajna members must be included All young members starting new jobs must be included Provide category A, B, C, and D of all earning members A = Paying regularly at prescribed rate B = Paying regularly at less than prescribed rate C = Paying irregularly at less than prescribed rate D = Non-paying

11. Income Budget Provide Profession and Rank of all earning members Chanda Jalsa Salana should be calculated based on yearly income or submitted Budget Chanda Aam/Wasiyyat

15. Promised Messiah (as) said: Now, with the beginning of this new system, everyone has to pledge afresh and inform me in writing that he will consider himself bound to send me a certain sum each month. There should be no ifs and buts about it. There have been some who did not keep their word and thus sinned against Allah. Now everyone must consider carefully and promise the amount which he is able to pay each month, even if it is one paisa. Do not try to deceive Allah or play tricks with Him. Everyone who follows me should bind himself to pay a certain amount each month, be it a paisa or a dhela. (Majmooah Ishtiharat, volume 3)

16. Promised Messiah (as) said: It is now time for all those who count themselves among my followers, that they should help this Movement with their money. If someone can only afford one paisa, he should pay one paisa each month for the requirements of the movement; he who can afford a rupee should offer a rupee each month. Everyone who has accepted the Ba’ait should help according to his means, so that Allah too should help them. If the assistance is received regularly each month, even if it is minor, it is better that that which is made upon impulse after a long time of negligence. (Kashti-e-Nuh)

17. Promised Messiah (as) said: Whoever wishes to offer an amount each month, according to his means, should make it binding upon himself like a debt, and make his payment each month without fail. He should take this duty purely as an obligation to Allah, and should not be late or slow in his payment. He who wishes to pay all at once can do so, but remember that the true method which will ensure the continuous progress of this movement is that people, who truly care about the faith, should make it binding upon themselves to pay a certain amount each month. (Fath-e-Islam)