 In this module, we shall have a general discussion on the treatment of donations in Islam. This discussion or conversation is important because many people have an objection to the use of the borough in the kafir. Similarly, there is a criticism of use of something similar to the borough which is called gift in the context of Ijara wa Ikhtina as well. There are quite a few structures being used in Islamic banking and finance where an asset is given for free to a party by one party as part of the structure. And many critics, they say that this does not look good. In the context of the kafir, many people say that these donations on which you have built this whole model of the kafir, they should benefit other people. What is the purpose of this donation which is going to benefit me at the end? So I think it is important to clarify the treatment of donations in Islam. The first important thing is to clarify in our mind that donation is not like sadhaka. Donation is something which is of good nature and this could be for anything. Once that dam is constructed, it can benefit amir, gharib, chhota, vada, panjab ka stint ka anywhere. That donation is not for a charitable purpose only. So it should be kept in mind that a donation can actually benefit the donor as well. So this is very important that when we are looking at donations in the context of the kafir, the donors themselves, they can benefit from this. There is no problem in an Islamic framework. If Islam has no problem, then what is the problem of any other? So this is one thing. Technically, having said that, the donor himself does not benefit from the donations, especially in the case of life-takaful. Life-takaful means that the donor has died and the benefit actually goes to the beneficiaries, i.e. the bereaved family. So this criticism that you are benefiting from the donations by yourself, this does not happen. Donations in many ways do not benefit me, especially in the case of the kafir. My donations, they do not benefit me. What happens in the case of the kafir? I put 1000 rupees into the vak fund, legally, from Sharia viewpoint, that money is no more mine. Sharia, if I benefit from this one, I am not benefiting from my money, I am benefiting from the money in the vak fund. This argument we showed, actually, even if that one dollar contributed by me into the kafir fund is used in the claims, it is not necessary that that one dollar would benefit me. It would benefit others. Actually, if that one dollar, which I contribute, is going to benefit me only, then this kafir business does not work. What happens only a percentage, i.e. you and so many other people, 100,000 people have contributed into the kafir fund and the kafir fund would give benefits to only a few at a given point in time. If everyone starts giving benefits, then the kafir business is a complete insurance business. So, these donations, they actually do not benefit me, only they benefit everyone. So, this argument that donations are actually fictitious in their use, in the context of the kafir, this is not true.