Human beings have generally turned out to be miserly

قُل لَّوْ أَنتُمْ تَمْلِكُونَ خَزَائِنَ رَحْمَةِ رَبِّي إِذًا لَّأَمْسَكْتُمْ خَشْيَةَ الْإِنفَاقِ وَكَانَ الْإِنسَانُ قَتُورًا

Say, “If you were in control of the treasures of my Sustainer’s Beneficence, you would certainly hold them back for fear of spending/exhaustion (of these treasures); As human being has turned out to be miserly”.

[Al-Quran 17/100]

Allah has commanded the Believers to spend their resources in His way

وَأَنفِقُوا فِي سَبِيلِ اللَّهِ وَلَا تُلْقُوا بِأَيْدِيكُمْ إِلَى التَّهْلُكَةِ وَأَحْسِنُوا إِنَّ اللَّهَ يُحِبُّ الْمُحْسِنِينَ

And spend in the way of Allah; and do not cast yourselves into destruction with your own hands; and do good work. Verily, Allah loves the good-doers.

[Al-Quran 2/195]

Spending in the way of Allah is in fact spending for the welfare of humanity

يَسْأَلُونَكَ مَاذَا يُنفِقُونَ قُلْ مَا أَنفَقْتُم مِّنْ خَيْرٍ فَلِلْوَالِدَيْنِ وَالْأَقْرَبِينَ وَالْيَتَامَىٰ وَالْمَسَاكِينِ وَابْنِ السَّبِيلِ وَمَا تَفْعَلُوا مِنْ خَيْرٍ فَإِنَّ اللَّهَ بِهِ عَلِيمٌ

They ask you, what they should spend. Say, “Whatever you spend of good is [to be] for (1) parents and (2) al-aqrabeen (i.e. family and relatives), (3) al-yataama (i.e. orphans, widows, and those who are left alone and helpless), (4) al-masaakeen (i.e. those whose hard earned income is insufficient to meet their basic needs, those whose businesses have stalled, and those who have lost their jobs), also (5) the ibn-e-sabeel (i.e. the needy wayfarer, the homeless son of the street, and the one who has come to your town in a destitute condition). And whatever you do of good – indeed, Allah is All-Knowing of it.”

[Al-Quran 2/215]

لِلْفُقَرَاءِ الَّذِينَ أُحْصِرُوا فِي سَبِيلِ اللَّهِ لَا يَسْتَطِيعُونَ ضَرْبًا فِي الْأَرْضِ يَحْسَبُهُمُ الْجَاهِلُ أَغْنِيَاءَ مِنَ التَّعَفُّفِ تَعْرِفُهُم بِسِيمَاهُمْ لَا يَسْأَلُونَ النَّاسَ إِلْحَافًا وَمَا تُنفِقُوا مِنْ خَيْرٍ فَإِنَّ اللَّهَ بِهِ عَلِيمٌ

(Charity is also) for those in need, who, in Allah’s cause are restricted (from travel), and cannot move about in the land, seeking (trade or work): the ignorant man thinks, because of their modesty, that they are free from want. You shall know them by their (characteristic) appearance: They beg not importunately from all the sundry. And whatever of good you give, be assured Allah knows it well.

[Al-Quran 2/273]

Allah is Free of All Wants

يَا أَيُّهَا النَّاسُ أَنتُمُ الْفُقَرَاءُ إِلَى اللَّهِ وَاللَّهُ هُوَ الْغَنِيُّ الْحَمِيدُ

O Mankind! It is you who stand in need of Allah. And Allah! He is free of all wants and worthy of all praise.

[Al-Quran 35/15]

Whatever is in the heavens and the earth belongs to Allah

لِلَّهِ مَا فِي السَّمَاوَاتِ وَالْأَرْضِ إِنَّ اللَّهَ هُوَ الْغَنِيُّ الْحَمِيدُ

Whatever is in the heavens and the earth belongs to Allah. Verily Allah! He is free of all wants, worthy of all praise.

[Al-Quran 31/26]

وَمَا لَكُمْ أَلَّا تُنفِقُوا فِي سَبِيلِ اللَّهِ وَلِلَّهِ مِيرَاثُ السَّمَاوَاتِ وَالْأَرْضِ

And what is the matter with you that you do not spend in the way of Allah, whereas the heritage of the heavens and the earth belongs to Allah alone. (you are merely the trustees).

[Al-Quran 57/10]

Allah has made us the  trustees of whatever we have

آمِنُوا بِاللَّهِ وَرَسُولِهِ وَأَنفِقُوا مِمَّا جَعَلَكُم مُّسْتَخْلَفِينَ فِيهِ فَالَّذِينَ آمَنُوا مِنكُمْ وَأَنفَقُوا لَهُمْ أَجْرٌ كَبِيرٌ

Believe in Allah and His Messenger, and spend out of that of which He has made you trustees: for, those of you who believe and who spend shall have a great reward.

[Al-Quran 57/7]

The Surplus should be open for spending, instead of hoarding.

وَيَسْأَلُونَكَ مَاذَا يُنفِقُونَ قُلِ الْعَفْوَ

And they ask you what they should spend. Say, “the surplus beyond your needs”

[Al-Quran 2/219]

يَا أَيُّهَا الَّذِينَ آمَنُوا إِنَّ كَثِيرًا مِّنَ الْأَحْبَارِ وَالرُّهْبَانِ لَيَأْكُلُونَ أَمْوَالَ النَّاسِ بِالْبَاطِلِ وَيَصُدُّونَ عَن سَبِيلِ اللَّهِ وَالَّذِينَ يَكْنِزُونَ الذَّهَبَ وَالْفِضَّةَ وَلَا يُنفِقُونَهَا فِي سَبِيلِ اللَّهِ فَبَشِّرْهُم بِعَذَابٍ أَلِيمٍ

O Believers! Verily, many religious scholars and monks wrongfully appropriate peoples possessions and turn people away from God’s path! Tell those who hoard gold and silver instead of giving in God’s cause that they will have a painful punishment:

[Al-Quran 9/34]

There has to be a balance between extravagance and miserliness

وَالَّذِينَ إِذَا أَنفَقُوا لَمْ يُسْرِفُوا وَلَمْ يَقْتُرُوا وَكَانَ بَيْنَ ذَٰلِكَ قَوَامًا

Those who, when they spend, are not extravagant and not niggardly, but hold a just (balance) between those (extremes);

[Al-Quran 25/67]

Those who spend in the way of Allah will be  rewarded 700 times

مَّثَلُ الَّذِينَ يُنفِقُونَ أَمْوَالَهُمْ فِي سَبِيلِ اللَّهِ كَمَثَلِ حَبَّةٍ أَنبَتَتْ سَبْعَ سَنَابِلَ فِي كُلِّ سُنبُلَةٍ مِّائَةُ حَبَّةٍ وَاللَّهُ يُضَاعِفُ لِمَن يَشَاءُ وَاللَّهُ وَاسِعٌ عَلِيمٌ

The example of those who spend their wealth in the way of Allah is like a seed [of grain] which grows seven spikes; in each spike is a hundred grains. And Allah multiplies [His reward] for whom He wills. And Allah is all-Encompassing and Knowing.

[Al-Quran 2/261]

Charity should not be followed by reminders of generosity or hurting the recipients’ feelings

الَّذِينَ يُنفِقُونَ أَمْوَالَهُمْ فِي سَبِيلِ اللَّهِ ثُمَّ لَا يُتْبِعُونَ مَا أَنفَقُوا مَنًّا وَلَا أَذًى لَّهُمْ أَجْرُهُمْ عِندَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ

Those who spend their wealth in the way of Allah and then do not follow up what they have spent with reminders [of generosity] or hurting [the feelings of the one who is given charity] will have their reward with their Lord, and there will be no fear concerning them, nor will they grieve.

[Al-Quran 2/262]

قَوْلٌ مَّعْرُوفٌ وَمَغْفِرَةٌ خَيْرٌ مِّن صَدَقَةٍ يَتْبَعُهَا أَذًى وَاللَّهُ غَنِيٌّ حَلِيمٌ

Kind speech and act of forgiveness are better than (such) charity (which is) followed by hurting (the feelings of the one who is given charity). And Allah is Free of any need and Forbearing.

[Al-Quran 2/263]

يَا أَيُّهَا الَّذِينَ آمَنُوا لَا تُبْطِلُوا صَدَقَاتِكُم بِالْمَنِّ وَالْأَذَىٰ كَالَّذِي يُنفِقُ مَالَهُ رِئَاءَ النَّاسِ وَلَا يُؤْمِنُ بِاللَّهِ وَالْيَوْمِ الْآخِرِ فَمَثَلُهُ كَمَثَلِ صَفْوَانٍ عَلَيْهِ تُرَابٌ فَأَصَابَهُ وَابِلٌ فَتَرَكَهُ صَلْدًا لَّا يَقْدِرُونَ عَلَىٰ شَيْءٍ مِّمَّا كَسَبُوا وَاللَّهُ لَا يَهْدِي الْقَوْمَ الْكَافِرِينَ

O you who have believed, do not invalidate your charities with reminders or hurting (the feelings of the one who is given charity) as does one who spends his wealth [only] to show-off to the people and does not believe in Allah and the Last Day. His example is like that of a [large] smooth stone upon which is dust and is hit by a downpour that leaves it bare. They are unable [to keep] anything of what they have earned. And Allah does not guide those who deny the truth.

[Al-Quran 2/264]

Charity is to be done for seeking Allah’s Pleasure and one’s spiritual strength

وَمَثَلُ الَّذِينَ يُنفِقُونَ أَمْوَالَهُمُ ابْتِغَاءَ مَرْضَاتِ اللَّهِ وَتَثْبِيتًا مِّنْ أَنفُسِهِمْ كَمَثَلِ جَنَّةٍ بِرَبْوَةٍ أَصَابَهَا وَابِلٌ فَآتَتْ أُكُلَهَا ضِعْفَيْنِ فَإِن لَّمْ يُصِبْهَا وَابِلٌ فَطَلٌّ وَاللَّهُ بِمَا تَعْمَلُونَ بَصِيرٌ

And the example of those who spend their wealth seeking Allah’s pleasure and their spiritual strength is like a garden on high ground which is hit by a downpour – so it yields its fruits in double. And [even] if it is not hit by a downpour, then a drizzle [is sufficient]. And Allah is All-Seeing of whatever you do.

[Al-Quran 2/265]

أَيَوَدُّ أَحَدُكُمْ أَن تَكُونَ لَهُ جَنَّةٌ مِّن نَّخِيلٍ وَأَعْنَابٍ تَجْرِي مِن تَحْتِهَا الْأَنْهَارُ لَهُ فِيهَا مِن كُلِّ الثَّمَرَاتِ وَأَصَابَهُ الْكِبَرُ وَلَهُ ذُرِّيَّةٌ ضُعَفَاءُ فَأَصَابَهَا إِعْصَارٌ فِيهِ نَارٌ فَاحْتَرَقَتْ كَذَٰلِكَ يُبَيِّنُ اللَّهُ لَكُمُ الْآيَاتِ لَعَلَّكُمْ تَتَفَكَّرُونَ

Would one of you like to have a garden of palm trees and grapevines underneath which rivers flow in which he has from every fruit? But he is afflicted with old age and has weak offspring, and it is hit by a whirlwind containing fire and is burned. Thus does Allah make clear to you [His] verses that you might give thought.

[Al-Quran 2/266]

لَّيْسَ عَلَيْكَ هُدَاهُمْ وَلَٰكِنَّ اللَّهَ يَهْدِي مَن يَشَاءُ وَمَا تُنفِقُوا مِنْ خَيْرٍ فَلِأَنفُسِكُمْ وَمَا تُنفِقُونَ إِلَّا ابْتِغَاءَ وَجْهِ اللَّهِ وَمَا تُنفِقُوا مِنْ خَيْرٍ يُوَفَّ إِلَيْكُمْ وَأَنتُمْ لَا تُظْلَمُونَ

Not upon you, [O Muhammad], is [responsibility for] their guidance, but Allah guides whom He wills. And whatever good you [believers] spend is for your own benefit, provided you spend seeking Allah’s pleasure. And whatever good you spend, (its reward) will be paid back to you in full and you shall not be treated unjustly.

 [Al-Quran 2/272]

Charity should be done out of good things, not out of defective stuff

يَا أَيُّهَا الَّذِينَ آمَنُوا أَنفِقُوا مِن طَيِّبَاتِ مَا كَسَبْتُمْ وَمِمَّا أَخْرَجْنَا لَكُم مِّنَ الْأَرْضِ وَلَا تَيَمَّمُوا الْخَبِيثَ مِنْهُ تُنفِقُونَ وَلَسْتُم بِآخِذِيهِ إِلَّا أَن تُغْمِضُوا فِيهِ وَاعْلَمُوا أَنَّ اللَّهَ غَنِيٌّ حَمِيدٌ

O you who have believed, spend from the good things which you have earned and from that which We have produced for you from the earth. And do not aim toward the defective therefrom, spending [from that] while you would not take it [yourself] except with closed eyes. And know that Allah is Free of need and Praiseworthy.

[Al-Quran 2/267]

Generosity par excellence is to do charity out of things you dearly cherish

لَن تَنَالُوا الْبِرَّ حَتَّىٰ تُنفِقُوا مِمَّا تُحِبُّونَ وَمَا تُنفِقُوا مِن شَيْءٍ فَإِنَّ اللَّهَ بِهِ عَلِيمٌ

You can never attain generosity par excellence unless you spend (for the welfare of humanity) that which you dearly cherish; and whatever you spend surely it is known to Allah.

[Al-Quran 3/92]

Charity will never make you poor

الشَّيْطَانُ يَعِدُكُمُ الْفَقْرَ وَيَأْمُرُكُم بِالْفَحْشَاءِ وَاللَّهُ يَعِدُكُم مَّغْفِرَةً مِّنْهُ وَفَضْلًا وَاللَّهُ وَاسِعٌ عَلِيمٌ

The Satan (i.e. the embodiment of all evil inclinations) threatens you of poverty (if you do charity) and prompts you to niggardliness, while Allah guarantees you protection (against poverty) from Him and bounty/abundance. And Allah is all-Encompassing and All-Knowing.

[Al-Quran 2/268]

وَمَا أَنفَقْتُم مِّن نَّفَقَةٍ أَوْ نَذَرْتُم مِّن نَّذْرٍ فَإِنَّ اللَّهَ يَعْلَمُهُ وَمَا لِلظَّالِمِينَ مِنْ أَنصَارٍ

And whatever you spend of expenditures or whatever pledge you make – indeed, Allah knows of it. And for the wrongdoers there are no helpers.

[Al-Quran 2/270]

وَمَا أَنفَقْتُم مِّن شَيْءٍ فَهُوَ يُخْلِفُهُ وَهُوَ خَيْرُ الرَّازِقِينَ

And whatever you spend (in the way of Allah) so it is He Who will compensate it; He is the Best of Providers.

[Al-Quran 34/39]

وَمَا تُنفِقُوا مِن شَيْءٍ فِي سَبِيلِ اللَّهِ يُوَفَّ إِلَيْكُمْ وَأَنتُمْ لَا تُظْلَمُونَ

And whatever you spend  In the way of Allah, (its reward) will be paid back to you in full and you shall not be treated unjustly.

[Al-Quran 8/60]

Charity can be done both in open or in secret

إِن تُبْدُوا الصَّدَقَاتِ فَنِعِمَّا هِيَ وَإِن تُخْفُوهَا وَتُؤْتُوهَا الْفُقَرَاءَ فَهُوَ خَيْرٌ لَّكُمْ وَيُكَفِّرُ عَنكُم مِّن سَيِّئَاتِكُمْ وَاللَّهُ بِمَا تَعْمَلُونَ خَبِيرٌ

If you disclose your charitable expenditures, that’s are all right; but if you keep them secret and give them to the poor, it is even better for you, and that will remove imprints of some of your misdeeds from you [thereby]. And Allah, with what you do, is [fully] Aware.

[Al-Quran 2/271]

الَّذِينَ يُنفِقُونَ أَمْوَالَهُم بِاللَّيْلِ وَالنَّهَارِ سِرًّا وَعَلَانِيَةً فَلَهُمْ أَجْرُهُمْ عِندَ رَبِّهِمْ وَلَا خَوْفٌ عَلَيْهِمْ وَلَا هُمْ يَحْزَنُونَ

Those, who spend their wealth (in the way of Allah) during the night and the day, secretly as well as openly, shall have their reward with their Lord. They shall have no fear, nor shall they grieve!

[Al-Quran 2/274]

وَالَّذِينَ صَبَرُوا ابْتِغَاءَ وَجْهِ رَبِّهِمْ وَأَقَامُوا الصَّلَاةَ وَأَنفَقُوا مِمَّا رَزَقْنَاهُمْ سِرًّا وَعَلَانِيَةً وَيَدْرَءُونَ بِالْحَسَنَةِ السَّيِّئَةَ أُولَٰئِكَ لَهُمْ عُقْبَى الدَّارِ

Those who are steadfast in seeking the favour of their Lord, and pray regularly and spend secretly and openly out of what We have provided them with, and ward off evil with good. Theirs shall be the final abode.

[Al-Quran 13/22]

ضَرَبَ اللَّهُ مَثَلًا عَبْدًا مَّمْلُوكًا لَّا يَقْدِرُ عَلَىٰ شَيْءٍ وَمَن رَّزَقْنَاهُ مِنَّا رِزْقًا حَسَنًا فَهُوَ يُنفِقُ مِنْهُ سِرًّا وَجَهْرًا هَلْ يَسْتَوُونَ الْحَمْدُ لِلَّهِ بَلْ أَكْثَرُهُمْ لَا يَعْلَمُونَ

Allah sets forth the example (of) a slave (who is) owned, not he has power on anything and (one) whom We provided him from a provision good, so he spends from it, secretly and publicly. Can they be equal? All praise (is) for Allah! Nay, but most of them (do) not know.

[Al-Quran 16/75]

Good people do Charity both in prosperity and in adversity

الَّذِينَ يُنفِقُونَ فِي السَّرَّاءِ وَالضَّرَّاءِ وَالْكَاظِمِينَ الْغَيْظَ وَالْعَافِينَ عَنِ النَّاسِ وَاللَّهُ يُحِبُّ الْمُحْسِنِينَ

those who spend (for the welfare of humanity), both in prosperity and adversity, who restrain their anger and are forgiving towards their fellow men; And Allah loves those who do good works.

[Al-Quran 3/134]

Charity is to be done in accordance with one’s means

لِيُنفِقْ ذُو سَعَةٍ مِّن سَعَتِهِ وَمَن قُدِرَ عَلَيْهِ رِزْقُهُ فَلْيُنفِقْ مِمَّا آتَاهُ اللَّهُ لَا يُكَلِّفُ اللَّهُ نَفْسًا إِلَّا مَا آتَاهَا سَيَجْعَلُ اللَّهُ بَعْدَ عُسْرٍ يُسْرًا

[In all these respects,] let him who has ample means spend in accordance with his amplitude; and let him whose means of subsistence are scanty spend in accordance with what God has given him: God does not burden any human being with more than He has given him – [and it may well be that] God will grant, after hardship, ease.

[Al-Quran 65/7]

Charity is in one’s own benefit/spiritual development

فَاتَّقُوا اللَّهَ مَا اسْتَطَعْتُمْ وَاسْمَعُوا وَأَطِيعُوا وَأَنفِقُوا خَيْرًا لِّأَنفُسِكُمْ وَمَن يُوقَ شُحَّ نَفْسِهِ فَأُولَٰئِكَ هُمُ الْمُفْلِحُونَ

Remain, then, conscious of God as best you can, and listen [to Him], and pay heed. And spend in charity for the good of your own selves: for, such as from their own covetousness are saved – it is they, they that shall attain to a happy state!

[Al-Quran 64/16]

Allah will never waste the reward of the doers of good

وَلَا يُنفِقُونَ نَفَقَةً صَغِيرَةً وَلَا كَبِيرَةً وَلَا يَقْطَعُونَ وَادِيًا إِلَّا كُتِبَ لَهُمْ لِيَجْزِيَهُمُ اللَّهُ أَحْسَنَ مَا كَانُوا يَعْمَلُونَ

And whenever they spend anything [for the sake of God], be it little or much, and whenever they move on earth [in God’s cause] -it is recorded in their favour, and God will grant them the best reward for all that they have been doing.

[Al-Quran 9/121]

Charity is a commerce that will never suffer any loss

إِنَّ الَّذِينَ يَتْلُونَ كِتَابَ اللَّهِ وَأَقَامُوا الصَّلَاةَ وَأَنفَقُوا مِمَّا رَزَقْنَاهُمْ سِرًّا وَعَلَانِيَةً يَرْجُونَ تِجَارَةً لَّن تَبُورَ

Those who rehearse the Book of Allah, establish regular Prayer, and spend (in Charity) out of what We have provided for them, secretly and openly, hope for a commerce that will never suffer loss

[Al-Quran 35/29]

Let’s do some charity before it is too late

وَأَنفِقُوا مِن مَّا رَزَقْنَاكُم مِّن قَبْلِ أَن يَأْتِيَ أَحَدَكُمُ الْمَوْتُ فَيَقُولَ رَبِّ لَوْلَا أَخَّرْتَنِي إِلَىٰ أَجَلٍ قَرِيبٍ فَأَصَّدَّقَ وَأَكُن مِّنَ الصَّالِحِينَ

And spend out of what We have provided you with before death comes to one of you and he says, My Lord! If only You would grant me respite for a little while, then I would give alms and be among the righteous.

[Al-Quran 63/10]

قُل لِّعِبَادِيَ الَّذِينَ آمَنُوا يُقِيمُوا الصَّلَاةَ وَيُنفِقُوا مِمَّا رَزَقْنَاهُمْ سِرًّا وَعَلَانِيَةً مِّن قَبْلِ أَن يَأْتِيَ يَوْمٌ لَّا بَيْعٌ فِيهِ وَلَا خِلَالٌ

Speak to my servants who have believed, that they may establish regular prayers, and spend (in charity) out of the sustenance we have given them, secretly and openly, before the coming of a Day in which there will be neither mutual bargaining nor befriending.

[Al-Quran 14/31]

هَا أَنتُمْ هَٰؤُلَاءِ تُدْعَوْنَ لِتُنفِقُوا فِي سَبِيلِ اللَّهِ فَمِنكُم مَّن يَبْخَلُ وَمَن يَبْخَلْ فَإِنَّمَا يَبْخَلُ عَن نَّفْسِهِ وَاللَّهُ الْغَنِيُّ وَأَنتُمُ الْفُقَرَاءُ وَإِن تَتَوَلَّوْا يَسْتَبْدِلْ قَوْمًا غَيْرَكُمْ ثُمَّ لَا يَكُونُوا أَمْثَالَكُم

Behold! You are those who are called upon to spend for God’s cause, but among you are those who are niggardly, and whoever stints does so against his own self. Indeed, God is self-sufficient, but you stand in need [of Him], and if you turn back, He will bring in your place another people, who will not be like you.

[Al-Quran 47/38]