1. Infaaq: Spend out of what We have provided for them: give Zakat, spend on themselves, their parents, their children, their wives, etc., and also give charity to the poor and also in Allah's Cause - Jihad, etc.].Infaaq(Spend) Sadaqah(charity) CompulsoryVoluntary Tijarah(commerce) Family, Parents, Children

2. Sadaqah Money & Deeds Compulsory/ FardZakaat/Fitra Voluntary/Mustahab /Recommended Waqf / Qard Hasan Takaful / “Sadqa” Lillah

3. WAQF Waqf Khairy (public/ charitable ) Mushtarak (Charitable/ family waqf (combined) Waqf Ahli (family/ posterity)

4. Waqf: Literal Meaning

5. Shari’ah meaning of Waqf A Waqf is a voluntary, permanent bequest and dedication of personal assets to Allah and remains Allah's property, forever; and dedicating its fruit to a Shariah compliant cause or object for the pleasure of Allah

6. Characteristics sadaqa jariya. always remains capital - perpetuity prudently invested revenues spendable/ sustainable development community capital base civil society

7. Characteristics Donor or Waqif (founder) Corpus (capital) Waqfiyyah (Donation/Trust Deed) Beneficiary/ies Mutawallee/ah// Trustee Administration

8. Downstream Spend Health Hospitals, Clinics, Ambulances, Cataract operations, Research, Campaigns Education Children, Youth, Women Development, Leadership, Scholarships/Bursaries, Schools, Universities, Libraries, Literacy, Publishing Economic, Poverty Alleviation & Social Welfare Job Creation, Microfinance, Skills Development, Grants, SMME, shops and commercial complexes, Senior Citizens/Childrens/ Widows homes/

9. Downstream Spend Agriculture & Environment Tree Planting, Food gardens, Water provision & conservation, Animal conservation, Farming, Food security etc Community Development Mosques, madressahs, qurans, hajj, iftaar, ulama, qurbani, art, culture, civilization, grave yards, roads, bridges, pavements, media, conferences, seminars, community centres, organising social structures, special awards etc Other Development of new social institutions eg Hisbah, Takaful,

10. Downstream Spend Corporate Waqfs Staff Welfare; Staff Education; Staff Family Welfare; Takaful Community Waqfs Education, Health, Community Infrastructure, Mosques, halls, Creches Family Waqfs Posterity and wellbeing of family, Takaful