If a person possesses
612.35 grams of silver or 87.479 grams of gold or any currency that equals the value of
this amount of gold or silver, and this wealth remains in his possession for a complete
year, then on the expiry of this year it will be wajib on him to give zakāt for
it. If his wealth is less than this, zakāt will not be wajib. If it is more than
this, zakāt will still be wajib.
A person possessed the
complete nisāb for about four to six months. Thereafter, this nisāb
decreased, and after about three months he acquired some other wealth (and he once again
possesses the complete nisāb, even in such a case zakāt will be wajib on
him. In other words, if a person possesses the nisāb at the beginning and at the
end of the year, zakāt will be wajib on him. By the nisāb decreasing
during the course of the year, one is not absolved of giving one=s zakāt. However, if his
entire wealth is lost and he finds it later, then the beginning of the year will be
calculated from the time that he finds his wealth. (The period prior to that will not be
calculated).
A person possessed the nisāb
but prior to the expiry of one year all his wealth is lost and it was not in his
possession for the complete year. In such a case zakāt will not be wajib.
A person possesses the
full nisāb and also has debts which equal the nisāb. In such a case zakāt
will not be wajib.
If his debts are such
that if he were to fulfil his debts he will have a remainder of wealth which will equal
the nisāb, then zakāt will be wajib on him.
Zakāt is wajib
on jewellery, utensils, ornaments, and brocades that have been made with gold or silver.
This is irrespective of whether these items are in use or not. In other words, zakāt is wajib
on everything that is made of gold or silver. However, if they are less than the nisāb,
zakāt will not be wajib.
If the gold or silver is
not pure but has been mixed with another metal, then one will have to check as to which is
more in content. If the gold or silver is more, then the rules which are applicable to
both will apply here as well. That is, if they equal the nisāb, zakāt will be wajib.
If the content of the other metal is more than that of the gold or silver, it will not be
regarded as gold or silver. The rules that apply to brass, copper, steel, tin, etc. will
also apply to this metal. These rules will be discussed later.
A person does not have
the complete nisāb of gold nor of silver. Instead, he has a bit of gold and a bit
of silver. If both are added together and their value equals the nisāb of gold or
silver, zakāt will be wajib. But if they do not equal the nisāb of either
gold or silver after adding them together, zakāt will not be wajib. If the nisāb
of gold or silver is complete, there is no need to obtain their value.
Assuming that the price
of 11.664 grams of gold is R25, and for R1 we can get 17.496 grams of silver and a person
possesses double this amount of gold (i.e. 23.328 grams) plus R5 both of which is over and
above his needs. Furthermore, he has this gold and cash in his possession for a full year.
In such a case, zakāt will be wajib. This is because the 23.328 grams of gold
equals R50, and for R50 one can purchase 874.8 grams of silver (50x17.496g). In addition
to this, if the R5 were to be added together, this will result in a lot of wealth upon
which zakāt will be wajib. However, if he only possesses the 23.328 grams of gold
and does not have any cash or silver; zakāt will not be wajib.
Assuming that we get
23.328 grams of silver for R1 and a person only possesses R30. Zakāt will not be wajib
and we will not calculate and say that R30 equals 699.84 grams of silver (i.e. 30 x 23.328
= 699.84) based on the fact that the rand is actually in place of the silver and when we
only have gold or silver, then we will take the weight into consideration and not the
value. (This rule will only apply when the coins used to be made of silver. These days,
coins are made of copper and other cheap metals. We even receive them in return for
currency notes. Now the ruling will be that the person who possesses coins or notes equal
to the current value of the nisāb of gold or silver, zakāt on this will be wajib.)
A person had money equal
to the nisāb which was over and above his needs. Prior to the expiry of the year,
he received an additional amount. This additional amount will not be calculated
separately. Instead, it will be added to the original amount and upon the expiry of the
year, zakāt will be wajib on the entire amount and it will be regarded as if the
original amount and the additional amount was in his possession for one full year.
A person had silver
which was equal to the nisāb. Prior to the expiry of the year, he received an
amount of gold (whether more or less than the amount of nisāb). This amount will not be
calculated separately. Instead, it will be added to the original amount of silver and
zakāt will be wajib on the total amount upon the expiry of that year.
With the exception of
gold and silver, the rule regarding all other metals such as steel, copper, brass, etc.,
the utensils that are made of these metals, clothing, footwear, and all other such items
is that if these items are for the purpose of trade, zakāt will be wajib on them
if they reach the nisāb of either gold or silver and are in the possession of the
person for a period of one year. However, if these items do not reach the nisāb,
zakāt will not be wajib. If these items are not for the purpose of trade, zakāt
will not be wajib irrespective of the amount one possesses. Even if the value of
these items reaches thousands of rands, zakāt will not be wajib as long as they
are not for the purpose of trade.
Zakāt is not wajib
on household effects such as utensils, pots, big pots, trays, basins, crockery and
glassware, the house in which one lives, the clothes which one wears, jewellery made of
pearls, etc. This is irrespective of the amount and irrespective of whether they are being
used daily or not. However, if they are kept for the purpose of trade, zakāt will be wajib
on them as well. In short, zakāt is not wajib on all items apart from gold and
silver if they are not for the purpose of trade. But if they are for trade, zakāt will be
wajib on them as well.
A person owns several
homes from which he collects rent. Zakāt is not wajib on these homes irrespective
of their value. Similarly, if a person purchases some utensils and hires them out, zakāt
will not be wajib on these utensils. In short, by hiring or renting something out,
zakāt does not become wajib on that thing.
Zakāt is not wajib
on clothes irrespective of how expensive they may be. However, if they are embroidered
with gold or silver thread and if this thread were to be removed and weighed it will be
equal to the nisāb, then in such a case zakāt will be wajib. But if it
does not reach the nisāb, zakāt will not be wajib.
A person possesses some
gold or silver, and some goods for trade as well. All these will have to be calculated
together. If they reach the nisāb of either gold or silver, zakāt will be wajib.
If they do not reach the nisāb, zakāt will not be wajib.
Goods for trade will
only be regarded as such if they have been purchased with the intention of re-sale. If a
person purchases some rice or any other item for his domestic needs or for a wedding, etc.
and thereafter decides to sell this item, zakāt will not be wajib on this.
Zakāt is also wajib
on the money that is owed to a person by his debtors. Debts are of three types:
The First Type: The person loaned some gold, silver or money, or sold some tradeable
goods to another person. He is owing this money and only repays his debt after a year or
two. If whatever he loaned is equal to or more than the nisāb, zakāt will be wajib
for all the years that he had loaned the money.
He did not repay the debt at once, but in instalments. The moment he pays an amount equal
to the value of 128.304 grams of silver, zakāt will become wajib on him. But if
the person repays the value of 128.304 grams of silver in instalments as well, zakāt will
only become wajib on the completion of this amount. Each time that this amount is
paid, zakāt on it will have to be given. Whenever the person gives the zakāt, he will
also have to pay for all the previous years in which the zakāt was not paid.
If the money owed is less than the nisāb, zakāt will not be wajib on the
person. However, if the person has some other wealth upon which zakāt is necessary, then
this wealth should be added to the money owed. If, after adding them together, they equal
the nisāb, zakāt will be wajib on the total amount.
The Second Type:
A person did not loan any cash nor did he give (on credit) any goods for trade. Instead,
he sold something which was not originally purchased for re-sale, eg. he sold some of his
personal clothing or some household goods, and the person is still owing him the money for
these items. In addition to this, the amount that he is owing is equal to or more than the
nisāb and he only repays this amount after several years. Zakāt will be wajib
for all the years. If he does not repay this debt at once, but repays it in instalments,
then as long as the paid up instalments do not reach the current nisāb of silver
or gold, zakāt will not be wajib on the amount that he collected. The moment an
instalment reaches the current nisāb, zakāt becomes wajib for all the years in
which zakāt was not paid.
The Third Type:
The husband owes his wife the mahr (dowry) which had been stipulated at the time of
marriage. He only pays this mahr after several years. Zakāt will only be
calculated from the day that she actually receives her mahr. Zakāt for the
previous years will not be wajib. If the mahr remains with her for a period
of one year after having received it, zakāt will become wajib on her upon the
expiry of one year. But if she does not have the mahr (for example, if she spends
it), zakāt will not be wajib.
A rich person upon whom
zakāt is wajib gives his zakāt before the expiry of one year and does not wait
until the end of the year. This is permissible and his zakāt will be considered to be
fulfilled. But if the person is not rich and envisaged receiving some money in the near
future, and therefore gave his zakāt before the expiry of the year, this zakāt of his
will not be considered to be fulfilled. When he receives the money and thereafter a year
passes, he will have to give his zakāt again.
It is permissible for a
rich person to give zakāt for several years beforehand. But if his wealth increases in
any given year, he will have to give zakāt for the extra wealth that he obtained.
A person has R1000 over
and above his basic needs. He also envisages receiving another R1000 from somewhere.
Before the expiry of the year, he gives zakāt for the total R2000. This is also
permissible. However, if his money gets less than the nisāb at the end of that
year, then zakāt will not be wajib on him and the zakāt which he had already
given will be regarded as a voluntary charity (sadaqah-e-nāfilah).
A person had some wealth
for a full year but before he could give the zakāt, all his wealth was stolen or
disappeared in some other way. He will be absolved from giving zakāt. But if the person
gives his wealth away or causes it to be destroyed in some way or the other, then he will
not be absolved from giving the zakāt. It will remain wajib upon him.
After the expiry of the
year, a person gave all his wealth in charity. Zakāt will not be wajib on him.
A person had R2000.
After the expiry of one year, R1000 was stolen or he gave it in charity. He will be
absolved from giving the zakāt of R1000. He will now only have to give zakāt for R1000.
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