water waves

General FAQ

Why install a tube well?

A donation made by you will make the recipient family of a hand pump independent of having to rely, travel long distances, and above all in a safe environment which is within their own compound to use fresh water. This will enable children to attend school regularly, allows the family to cook and clean by having fresh water nearby. This also takes a huge burden off the fathers about financial pressures from drinking unsafe waters which otherwise had the potential of waterborne diseases and other illnesses at home.

How is the selection process of a tube well conducted?

G&Y have a dedicated team in Bangladesh carrying out needs assessment and to identify those who need it most and those who are suffering from water scarcity.

Are the tube well installed by G&Y or a third party?

G&Y have a very good relationship with local suppliers to acquire the best quality tube well and also a team who install these to the highest standard giving them a very long life of service.

How much does a tube well cost?

A tube well costs around the £250, however, the installation cost is separate to the unit cost.

What depth does the tube well reach?

The depth and reach of water various, however, a standard reach would be about 100 meters.

Where will the tube wells be installed?

G&Y install tube wells in the most neediest areas of Bangladesh after an assessment.

How many people can a tube well serve?

A tube well can provide clean & fresh water to a family of about 10 to 14 people.

How much water is consumed on average per day in a village?

On average a person drinks anything between 20 to 50 litres a day in a village in Bangladesh.

How long does it take to install a tube well?

Installing a tube well can take up to 8 months. Once installed all information will be provided to the donor with images and details including location.

What is involved in the maintenance of a tube well?

G&Y make frequent visits to ensure it is being used in the correct manner. Evaluations are made to ensure that the tube wells are working as they should be, and no parts are damaged.

How long does a tube well last?

Depending on how well it is being maintained by the recipient family, the manufacturers state that a minimum of 5 years is its expected lifespan, however, if it is maintained and used with care, it can last up to 10 years.

What information will be on the plaque?

The plaque which is placed next to the tube well will have the logo of G&Y, the project year, the name of the donor and locatopn, the name in which it has been donated, and the website address of G&Y.

Can Zakat be dontated for a tube well?

Yes, Zakat can be donated towards this projedct, as the tube well will be installed within the family home compound, therefore, it will be under the ownership of the family.

Gift Aid FAQ

What is Gift Aid?

Gift Aid is a government scheme that allows charities to reclaim the tax that you have already paid on your donations through income tax or capital gains tax.

Why do I need to make a declaration?

The declaration gives Shelter authority to reclaim tax from HM Revenue & Customs on your gift. By making the declaration, you are confirming that you understand this.

How do I know if I am a UK taxpayer?

You ARE a UK income tax payer if: Tax is taken from your wages or pension before you receive them You have to fill in a self-assessment form You have any taxable savings (in a building society, for instance), or a pension plan, or investment income You have recently paid any capital gains tax, or expect to pay it in the near future. This could be on the sale of a property or some shares, for example If any of these apply to you, please complete and submit your declaration today.

Do I have to make a declaration with every gift? Does the Gift Aid scheme include previously given donations?

When you provide a Gift Aid declaration it will cover all of the eligible donations you have given up until 4 years previous (in tax years, 6 April – 5 April) and on any donation you may make in the future, so only one declaration is required.

What types of donations are eligible for the Gift Aid scheme?

Most regular and single personal donations are eligible, for example: Direct Debits, Standing Orders, cheques, cash and text giving Donations that are not eligible include: Charities Aid Foundation account or similar agency donations (please see specific question below for more information) Payroll Giving donations Company donations Trust donations

What if I was a taxpayer last year, but am not this year (or vice versa)?

Please call the Supporter Helpdesk on 0300 330 1234 who will be able to record details of this change.

How can Shelter reclaim 25% when the basic rate of tax is currently 20%?

This is because the basic rate of tax is calculated on the gross amount of the donation. This means we can reclaim 20% of the amount you earned before tax was deducted, which works out to be 25% of the amount that we receive. To find out the exact amount of tax that Shelter can reclaim, multiply the amount of your donation by 20 and then divide it by 80.

What if I pay tax at the higher rate?

Charities can only claim back tax at the basic rate, but that is still worth 25% to us, so please complete and return the declaration anyway. As a higher-rate taxpayer you have the right to reclaim tax on your charitable donations. All you have to do is remember to include details of your charitable gifts on your self-assessment tax form to claim your additional personal tax relief (this being the difference between the basic rate of 20% and your higher rate). If you would like a receipt for eligible donations that you have made, then please contact our Supporter Helpdesk on (+44) 0207 247 8245

What if I am a pensioner?

You may still be paying tax on a private pension plan or a savings account, or pay capital gains tax if you sell either a property or shares. You are still eligible if you have paid enough tax during the year to cover your donations (i.e. 25% of the value of your gifts).

I am not a taxpayer but my partner is, and our donations are made jointly. Are our gifts still eligible?

Yes, your gifts are still eligible for Gift Aid, but we need your personal details separately for our records. Please contact our Supporter Helpdesk on 0300 330 1234 and they will send you a special form to fill in. To confirm, if you are giving jointly, the person or persons who complete a Gift Aid declaration must be named on the account from which the donation is made.

What about money paid under an old deed of covenant?

If you had a covenant in existence on 5 April 2000, you can continue to make the payments due under that deed of covenant until it expires without having to complete a Gift Aid declaration. However, due to the age of such covenants, we would advise and welcome that you re-confirm your agreement to the scheme by completing a new Gift Aid declaration. If you make additional gifts or change the value of your gift under the original covenant, you must complete a new Gift Aid declaration to cover those gifts if you want us to be able to recover the tax on them.

Can I use Charities Aid Foundation (or similar agency) vouchers to make Gift Aid donations?

Shelter cannot reclaim tax on donations made through the Charities Aid Foundation (CAF) or similar agencies as the tax has already been reclaimed for you. However, we would be grateful if you could complete and return a Gift Aid declaration anyway so that any donations that you have not made from your CAF account can be tax-effective, as well.

What if I have agreed to Gift Aid to another charity?

You can support as many UK charities as you like through Gift Aid. All you need to do is return a declaration to each charity that you support and ensure that you are paying enough tax during the year to cover your total annual donations.

Can I withdraw a declaration on a particular gift?

If, for any reason, you decide that your gift should not be included in Gift Aid – for example, if you think that you will not pay enough tax to cover the tax reclaimed by us – then simply call our Supporter Helpdesk on 0300 330 1234 and ask for the declaration to be withdrawn or for a particular gift too be excluded from the scheme. However, please note that it is your responsibility to notify us of any withdrawal from the Gift Aid scheme as soon as possible – for example, if you stop paying tax or you think that a donation you are making would not be eligible for the scheme. Thank you.

Can I stop giving?

Completing a Gift Aid declaration does not put you under any obligation to give again – it merely ensures that we can reclaim tax on the donations that you have already made and any you may make in the future, so that your gifts go further at no extra cost to you.

I am participating in an event and my sponsors would like to Gift Aid their donations.

If you haven’t already done so, please contact our events team on 0344 515 1190 or events@shelter.org.uk to let them know what event you are taking part in and they will be able to provide you with support and materials should you need them. This includes sponsorship forms where each sponsor can record their details to enable Gift Aid to be claimed on their offline donation.

Please note that the original sponsorship forms need to be sent in with your offline fundraising donations. Unfortunately, we are unable to accept copied or rewritten forms for Gift Aid.

I am organising a collection for Shelter. Can I Gift Aid this?

Each donor would need to complete a Gift Aid declaration for the collection to be eligible for Gift Aid. The easiest way to do this would be to use our Sponsorship form. However, if this is not appropriate please contact our supporter help desk on 0300 330 1234 and they will be able to send you individual forms that you can hand out. Please note that you cannot Gift Aid a collection of money from other people under your own name. If your collection is in relation to In Memory giving, please see our dedicated section here. Or email our In Memory team for support materials or any queries you may have. If you have any further questions about Gift Aid or if you think you might not be eligible, please contact the Shelter Supporter Helpdesk on (+44) 0749 874 9015 1234 or info@goreebfund.com

Shelter Retail Gift Aid and agency agreement

Shelter will act as your ‘agent’ to sell your donated goods on your behalf, if you the owner will give the sale proceeds (minus commission of 2%) to the charity as a Gift Aid donation.

Our agency agreement

Shelter (Trading) Ltd will act as my agent in selling the goods, from which a 2% commission fee + VAT will be deducted from the proceeds of the sale. Any goods that are unsuitable for sale or goods that Shelter is unable to sell will be recycled or disposed of and will not be returned. The net proceeds from the sale of the goods will be donated to Shelter. It will not be necessary to write to me to confirm the donations, provided that the total net proceeds from the sale of the goods so far in the tax year has not exceeded £1,000 but where they do, Shelter will write to me to seek consent to those funds over and above the initial £1,000 being donated and will write with in-year updates as further goods are sold. Unsold goods will be disposed of.

As the owner, you have the right to keep all proceeds from the sale of the goods. You can choose to donate all or part of the amount. Shelter can claim Gift Aid on the agreed amount after any commission (including VAT) has been deducted.

Gift Aid declaration:

I would like Shelter to reclaim the tax I have paid on all donations I have made in this tax year, the four years prior to this year, and on any donations I may make in the future. Important: If your tax circumstances change or name/address details change please notify Shelter in writing confirming these changes. You must be a UK taxpayer. If you pay less Income Tax and/or Capital Gains Tax than the amount of Gift Aid claimed on all your donations in that tax year, it is your responsibility to pay any difference.

Zakat FAQ

Zakat is mandatory on who?

Zakat is mandatory upon all sane, mature Muslim who have assets and meet the threshold (Nisab) after a lunar calendar.

Who meets the threshold (Nisab)?

An individual who possesses Zakatable assets which meet the threshold (Nisab) after deducting all liabilities will be considered to have met the Nisab.

What does Nisab mean?

Nisab is a legal threshold set by Sharia. An individual who holds assets equivalent to the Nisab must pay Zakat annually.

What is Nisab set at?

Nisab is set on the value of 612.36 grams of silver.

How much will need to be paid?

It is set at 2.5% of the total net asset.

If the wealth fluctuates throughtout the year, what should one do?

It is irrelevant whether the wealth fluctuates throughout the year. Only in the event that one becomes insolvent, will the Nisab become inapplicable.

Does one need to pay Zakat on one’s house and car?

No Zakat is applicable on personal belongings which constitute daily living necessity i.e. house, clothes, utensils, furniture, car, household appliances which would render ones normal day-to-day living into difficulty.

Does one need to make intention before paying Zakat?

It is critical that one inteds to pay Zakat, as it will render it invalid if one does not. It is a prerequisite of a complete discharge of Zakat.

Can Zakat be paid by a husband for his wife?

It is permissible to discharge Zakat on behalf another from their own wealth so long as the other party explicitly consents and is aware.

Is Zakat mandatory on precious metals such as gold & silver in personal pocession?

Zakat is mandatory on gold and silver that is owned by an individual whether in the form of jewellery or solid.

Is Zakat payable on cash that is held in bank accounts?

Zakat is mandatory on cash whether in personal possession or held in a bank account.

Is Zakat payable on monies that have been loaned to someone else?

It is mandatory on monies that has been loaned and that the chances of the loan returned is high.

If one is in debt; does the person deduct debts whilst calculating Zakat?

One can deduct the debt from Zakat total if the debt is to be paid in full within the next 12 months, this also includes debts that are being paid in instalment; then one can deduct 12 months debt. Those debts that are not required ot be paid within the 12 months, then one cannot deduct from the Zakat.

Is Zakat mandatory on Welfare benefits?

One must pay Zakat on welfare benefits such as Working Tax Credit, Child Tax Credit, Child Benefits and other forms of benefits.

Is Zakat mandatory on businesses?

Zakat does not apply to fixed assets in a business but it does apply to business stick which should be calculated according to the price of the goods.

Is Zakat applicable on shares?

The value of shares which are purchased to resell are Zakatable.

Is Zakat applicable to manufacturing goods?

For manufacturing businesses Zakat is payable on finished goods valued at their sale price and all unfinished goods at their market price.

Those who have not paid Zakat for years due to ignorance or negligence, what should they do?

Those who failed to file their Zakat for the above reasons, they should estimate the years that we missed and also workout the net assets for each year and pay Zakat accordingly. One should also repent and seek forgiveness from Allah SWT the most merciful.

Who is eligible to receive Zakat?

A recipient of Zakat must be a needy person who does not have assets which is equal to the value of Nisab nor do they have anything in excess of their personal needs and or a debtor whose liabilities exceed Zakatable and surplus assets.

Zakat cannot be given to construction projects, wealthy people, non-Muslims, or the descendants of Abbas, Harith, Ja’far and Aqeel (RA). Furthermore, one cannot hand Zakat to one’s parents, grandparents, children or spouse. However, one can give Zakat to one’s siblings those who meet the criteria of receiving Zakat.

Qurbani FAQ

What is Eid ul Adha (Udhiya) & its obligations ?

It is a day of celebration for the Muslims around the globe. The celebration is known as ‘Udhiya’ in the Arabic speaking world and in English it means ‘sacrifice’. It is to commemorate the steadfastness and the readiness of Prophet Ibrahim (AS) to follow the commandment of Allah SWT to sacrifice his son Prophet Ismail (AS). It was a test from his lord and as he was on the brink of sacrificing his son, Allah the most merciful commend the angel to replace Prophet Isamil (AS) with a ram and instructed him to sacrifice the ram in his place.

It is essential (Wajib) upon those who meet the threshold (Nisab) of Zakat during the 10th, 11th, and 12th of Dhul Hijjah to sacrifice one of the following animals: Sheep, Goat, a share of a Cow or Camel. As it is narrated in the following blessed hadith of the Propeht SAW:

“There is nothing more dearer to Allāh during the days of Udhiyah than the sacrificing of animals. The sacrificed animal shall come on the Day of Judgement with its horns, hair and hooves (to be weighed). The sacrifice is accepted by Allāh before the blood reaches the ground. Therefore sacrifice with an open heart.” (At-Tirmidhī, Ibn Mājāh)

The Night of Eid ul Adha?

The days that precede Eid-ul-Adha are very sacred and the night in particular before ‘Udhiya’ is as just as the blessed night of Eid-ul-Fitr. It is strongly recommended that one worships throughout the night and engage in meditation and worship. It is one of the most blessed nights of the Islamic calendar which has immense virtues and rewards. It is recorded in the prophetic narration that

“Mu’ādh ibn Jabal (Radhiyallāhu ‘anhu) relates that Rasūlullāh (sallallāhu ‘alayhi wasallam) said: “Jannah is wājib (incumbent) for those who stay awake with the intention of making ‘ibādah on the following nights: 8th & 9th, the night of ‘Eid-ul-Adhā (10th of Dhul Hijjah), the night of ‘Eid-ul-Fitr and the night of the 15th of Sha’bān.” (At-Targhīb)e


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