ZAKAT: A Modern Guide Book For Muslims
About this ebook
A Complete Practical Guide to Understanding, Calculating, and Applying Zakat in the Modern Financial World
What if paying Zakat could transform not only your wealth—but also your life and society?
Zakat is not merely a religious obligation. It is one of the most powerful economic systems in Islam, designed to purify wealth, eliminate poverty, and create social justice.
Yet many Muslims still struggle with questions such as:
• Which assets are subject to Zakat?
• How do I calculate Zakat on business, investments, or savings?
• How is Zakat applied in modern financial systems?
This book answers those questions clearly, practically, and comprehensively.
Written by Dr. Muhammad Zulfikar, an experienced practitioner in Islamic banking and a respected academic in Sharia economics, this book bridges classical Islamic teachings with modern financial practices, making Zakat easier to understand and apply in today’s world.
Inside this book, you will discover:
✓ The true philosophy and wisdom of Zakat
✓ The eight categories of Zakat recipients (Asnaf)
✓ Clear explanations of Nisab and Haul
✓ Step-by-step methods to calculate Zakat
✓ Zakat on cash, savings, gold, investments, and business assets
✓ Zakat on agriculture, mining, and livestock
✓ Zakat treatment in financial statements and modern economic activities
Why readers love this book:
⭐ Clear and practical explanations
⭐ Based on authentic Islamic sources and Sharia Standards
⭐ Relevant for modern financial realities
⭐ Perfect for students, professionals, entrepreneurs, and scholars
Whether you are a student of Islamic economics, a business owner, a finance professional, or a Muslim who wants to fulfill Zakat correctly, this book will give you the knowledge and clarity you need.
Because Zakat is not just about giving wealth.
It is about purifying the soul, strengthening society, and bringing barakah into life.
📘 Download this book today and discover the deeper power of Zakat.
keywords: Sharia Economy, Sharia Business, Islamic Business, Islamic Finance, Ethical Business
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About the author
Dr. Muhammad Zulfikar, S.E., M.M., MIFA™, who is commonly known as Dr. Zulfie, is both a practitioner and an academic in the field of Islamic business and economics. He has extensive experience in the banking sector and Islamic financial institutions.
In addition to his academic qualifications, Dr. Zulfie has also obtained several professional certifications relating to his expertise, such as Risk Management from the Indonesian National Professional Certification Agency, Sharia Supervisory Board certification from the National Sharia Council of the Indonesian Ulema Council, and Master Islamic Finance Analyst from the American Academy of Financial Management.
Throughout his professional career, Dr. Zulfie has accumulated over a decade of experience in the national banking sector. He previously worked at PT Bank Negara Indonesia (Persero) Tbk from 2002 to 2017. This does not include several strategic positions he has held in various companies and business institutions since then, such as Head of Compliance, Managing Director, and member of the Sharia Supervisory Board, some of which he still holds to this day. These experiences have enriched his practical understanding of banking operations and business management.
In addition to his work as a practitioner and academic, Dr. Zulfie is also a prolific author of books on economics and business. Some of his published works include Service Marketing, Digital Business Economy, Contemporary Marketing Management, Sharia Entrepreneurship, Fundamentals of Islamic Economics, Sharia Economic Theory, Sharia Economics, Banking and Non-Banking Financial Institutions, Introduction to Sharia Business, Islamic Marketing, Corporate Marketing Management, and Principles of Islamic Business. This does not include the dozens of e-books he has produced.
Drawing on his combined experience as a banking professional, Sharia supervisor, academic and writer, Dr. Zulfie continues to contribute to the development of the Sharia economy and business in Indonesia.
