He reported God s messenger as saying, “If God gives anyone property and he does not pay the zakat on it, his property will be made to appear to him on the day of resurrection as a large bald snake with black spots over its eyes. It will be put round his neck on the day of resurrection, then seize his lihzamatani, i.e. his jaws, then say, ‘I am your property; I am your treasure’.” He then recited, “Let not those who are niggardly think…”* Bukhari transmitted it.* Quran 3:180
Hadith Commentary on Zakat Negligence
This profound narration from the Prophet Muhammad (peace be upon him) serves as a severe warning against neglecting the obligatory zakat. The imagery of the "bald snake" represents the transformation of worldly wealth from a blessing into a source of torment in the Hereafter when its divine rights are not fulfilled.
Theological Significance
The snake's description as "large" and "bald" indicates the magnitude and severity of the punishment. The black spots over its eyes symbolize the spiritual blindness that prevented the owner from recognizing the true nature of his wealth as a trust from Allah.
The snake seizing the "lihzamatani" (the two jawbones) represents complete domination and inescapable punishment, showing how neglected wealth turns against its owner in the most painful manner.
Legal Implications
This hadith establishes that zakat is not merely a recommended charity but a compulsory act of worship (fard). The severe consequences described apply specifically to those who deliberately withhold zakat despite having the means to pay it.
The Quranic verse cited (3:180) reinforces that miserliness with Allah's blessings constitutes a rejection of divine trust and invites divine retribution.
Spiritual Lessons
Wealth is ultimately Allah's property, and humans are merely temporary custodians. The declaration "I am your property; I am your treasure" serves as a stark reminder that what we hoard unjustly will testify against us on Judgment Day.
This narration encourages believers to view wealth through the lens of accountability rather than ownership, promoting regular zakat payment as an act of purification and gratitude.