Islam is the only religion which has emphasized charity in the same measure as prayer or even at times more. Charity is essential in Islam. Every Muslim and non-Muslim deserves Islamic charity. It is part of Islamic financial activities. This scheme which is being discussed here is a micro scheme named because of collection of coin changes from customers.
Imagine we are everyday buying stuff outside with money and even cards. Lot of changes are returned as coins. Cards also charge some cents. Now imagine all these small changes were collected from customers and processed and stored in ATM machines as collectibles. In this way every person who is needy could collect money from the ATM.
Now for this to be properly used Islamic ministry of social welfare or finance may initiate a plan to analyses people’s incomes and categorize them based on their incomes storing only those national IDs in the ATM machine who were seen eligible and fit for collecting the charity. When a person needed some money then he or she could come and scan their ATM micro charity card to get some money. There can be a limit of withdrawal per day or week or even month.
Now this will mainly benefit the homeless and those who are neediest of the needy. I am sure people can give up the coin changes they get or pay through cards. Now you may be skeptic about abuse of such funds. Well a plan can also be initiated for background checks or instant dynamic updated checks. A background check is done when for the first time an ID is entered in the ATM. Dynamic updated checks are done in collaboration with some other public institution such as the police records. If a person was arrested for say any crime such as drug or violence then proper punishment may be given either by banning for life from this micro scheme or banning temporarily.
We can likewise also build something similar for unused goods. People can find use of goods which others have not found use. So for example people need to be encouraged to post their unused items either online or to a government monitored institute. The needy people can then either collect from the donor or from the government institute through this micro scheme card. This micro charity card could contain information such as donation received, donation available or entitled, suspensions or may be summons or notification from the needy people. I believe God willing such a plan will be successful to alleviate a lot of suffering of the neediest ones. It can end begging which Islam really dislikes.