… a selection from the Writings of the Faith and other Baha’i literature

December 7, 2017

Story: Every Penny Counts...

During one of Hájí Amín’s journeys to the Holy Land to visit ‘Abdu’l-Bahá in the late 19th or early 20th century — delivering the offerings of the Bahá’ís in payment of Huqúqu’lláh, as part of his duties as Trustee of the Right of God — the experience turned into discontent. Upon handing over the funds he had collected to the beloved Master, he was asked, “Hájí, was there anything else?”

At the time, the Trustee’s whole life flashed before his eyes. Most probably, he would have wished to be anywhere else in the world, rather than being challenged on his trustworthiness. Of course, the Master had full trust in him. But He knew something was missing. 

Back in his quarters that evening, dear Hájí Amin knelt down to God in subjugation and prayer, asking for guidance. At the moment he knelt, a piece of metal hit the hard surface of the naked floor, and the chiming sound grabbed his attention and interrupted his prayers.

It turned out that a penny had slipped through a tear in the lining of his overcoat, making his delivery of the Huqúqu’lláh payments short by one penny, in the presence of his beloved. The love of God came to safeguard him in less than 24 hours, and with that missing payment found, Hájí’s face was saved…

Over a century later in late 2016, history repeated itself roughly 8,000 miles away. The Board of Trustees of Huqúqu’lláh in the United States received a check issued to the Bahá’í Huqúqu’lláh Trust for only $0.03 — three pennies. This check was issued by one of the largest financial institutions, mailed to the Office of the Treasurer of Huqúqu’lláh in Los Angeles, but did not state the name of a specific individual as a payer!

The Trust often receives payments without any name attached. Usually, it takes just a few phone calls to the bank or the brokerage firm, which can tell us who had arranged for the sale of stocks or bonds to pay their Right of God. Upon contacting the financial institution, we are required to give certain passwords and codes to get the clearance and receive the name of the payer.

This particular time, the firm was so serious, with no evident sense of cooperation — no matter how many back-and-forth phone calls with its sales desk, supervisor, managers, legal department or administrative staff. As anxiety kept escalating, we knew we must discover whose $0.03 that payment represented, in order to issue a proper receipt.

After a few weeks had passed, the subject of the mysterious three pennies came up in casual communication between the coordinator of the Office of Huqúqu’lláh at the Bahá’í World Center and the treasurer of the U.S. Board. The treasurer, firmly reminded of Hájí Amín’s experience over a century ago, was told he must find out where the three pennies had come from.

Month after month we checked with the brokerage firm, begging them to provide the information, thinking they had ignored the request. Suddenly, a solution came to mind: If the $0.03 check was deposited into the Huqúqu’lláh bank account, then the bank was responsible for checking with the financial institution that issued it and finding out the name of the payer.

Let’s not forget that in the world of finance, it is an accepted accounting procedure for an organization to write off certain amounts of unfound income when the cost of research surpasses the value of the money.

By this time, we had probably spent many multiples of that amount, and certainly many weeks and hours, to identify that payer of the Huqúq. It was (and will always be) a moral responsibility, however, to recognize the source, as the Board is required to issue receipts for every payment.

After all the waiting, without any results, the Board’s treasurer wrote a letter to the vice president at the bank in Washington, DC, explaining the multiple layers of importance and spiritual significance of every penny that comes to the Trust. It was mentioned that payments are expressions of the individuals’ relationships with their Lord, and that it is the fiduciary responsibility of the Board of Trustees to issue receipts. Perhaps this final piece of correspondence became the cause of moving the vice president of the bank to go through legal channels and put pressure on the original financial institution to divulge the source of the money.

To our great delight and pleasant surprise, almost eight months after receiving the $0.03 check, we received an email from the vice president of the bank explaining the situation. It seems the firm had issued a check to the Huqúqu’lláh Trust even earlier, representing the sale of stocks from the estate of a deceased Bahá’í. Afterward, the firm realized it had shortchanged the Trust by “three pennies” and issued the smaller check.

With that, the name of the payer was identified. The heavy weight that was carried for eight months was finally lifted. The three pennies had been stuck in the lining of the financial system’s proverbial overcoat.

Though Hájí Amín’s dilemma was solved in less than 24 hours, ours had taken far too long. How could we get back to the World Center office if the issuing firm found it immaterial and not cost-effective to conduct any research to get back to us? Thank God the source of the three pennies was identified, and we were able to issue the receipt and mail it to the executor of the will.

An email received subsequently from the office at the Bahá’í World Center quoted a letter written on behalf of Shoghi Effendi:

“The execution of the provisions of the will causes the spirit of the deceased to rejoice in the Abhá Kingdom.“ (From a letter written on behalf of Shoghi Effendi to an individual believer, quoted in a letter dated 24 June 1982, written on behalf of the Universal House of Justice to a National Spiritual Assembly).”

The email continued:

“While it is interesting that this $0.03 was of sufficient concern to the integrity of the financial institution that they paid it, the fact that you searched, likely for hours, to ensure that this final payment was made quite certainly meets the level of distinction mentioned by the Universal House of Justice in its letter of 21 June 2016 to the International Board of Trustees of Huqúqu’lláh:

“'It is essential, then, that the spiritual significance of this mighty law, both in its individual and its social dimensions, remain uppermost in the minds of those serving the institution of the Right of God. In carrying out the vital functions they have been summoned to perform, the members of the Regional and National Boards of Trustees share in the responsibility of ensuring that the institution of Huqúqu’lláh is distinguished by the impeccable probity with which it is administered and that the believers’ understanding of the spiritual and practical aspects of the law deepens.'”

The incident motivated us to work with our programmers to go back to the drawing board and rewrite the advanced Huqúqu’lláh receipting program, to become capable of processing payments in pennies.

This painstaking experience, with a great resolution to the story, teaches us that nobody’s payments are taken lightly, as it all belongs to God. 
(Adapted from an article by the Board of Trustees of Huququ’llah in the United States; The American Baha’i, vol. 48, no. 6, November-December 2017)