I'm going to go out on a limb here and say that they talked to absolutely no one local (Pakistani or Muslim) before they published this. The threshold before people pay zakat is like $300 so fluctuations in silver price has very low effect. Do you think someone with $300 in savings is giving donations?
Government only deducts the zakat from the checking account. I am from Pakistan and very few people(basically salaried employees for corps/govt which is a very small portion of population) have bank accounts and the main use is to just withdraw the salary immediately every month. People who are on the threshold of $300 lifetime savings have almost negligible chance of owning a bank account.So I am going to call BS on this paper. There are so many problems with the data in this paper that I can't even. Also quite racist to say factually that a lot of charity money goes to fund terrorist attacks and the proof for this is nada. They are using metrics for terrorist attacks in Pakistan (most of which used to happen indiscriminately in public places in metros where most people with bank accounts live). Do you really think that people living in metros are bankrolling indiscriminate terrorist attacks against themselves?
Government only deducts the zakat from the checking account. I am from Pakistan and very few people(basically salaried employees for corps/govt which is a very small portion of population) have bank accounts and the main use is to just withdraw the salary immediately every month. People who are on the threshold of $300 lifetime savings have almost negligible chance of owning a bank account.So I am going to call BS on this paper. There are so many problems with the data in this paper that I can't even. Also quite racist to say factually that a lot of charity money goes to fund terrorist attacks and the proof for this is nada. They are using metrics for terrorist attacks in Pakistan (most of which used to happen indiscriminately in public places in metros where most people with bank accounts live). Do you really think that people living in metros are bankrolling indiscriminate terrorist attacks against themselves?