I have 700 grams of gold (grams), knowing that my family gave it to me for adornment, and I wear it on occasions and at home. Is zakat due on it or not?
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The questioner : You say: I have 700 grams of gold, knowing that my family gave it to me for adornment, and I wear it on occasions and at home. Is zakat due on it or not? And if zakat is due on it, what is the amount in Yemeni riyals? May Allah reward you.
The Shaykh : Gold or silver jewelry requires zakat if it reaches the nisab. The nisab for gold is 85 grams, and the nisab for silver is 595 grams. If a woman has gold that reaches the nisab, she must pay its zakat. Likewise, if a woman has silver that reaches the nisab, she must pay its zakat.
The questioner says she has 700 grams of gold, and this reaches the nisab, so she must pay zakat on this gold, even if she intends to wear it, whether she wears it or saves it for a need that may arise. This is the stronger opinion in this issue, and it is the school of Abu Hanifa (may Allah have mercy on him), a narration from Imam Ahmad, and the choice of the Grand Mufti of the Kingdom, Shaykh Abdul Aziz ibn Baz. This is because the Book and the Sunnah indicate this.
As for the Book, it is in the saying of Allah the Exalted:[At-Tawbah 9:34] And hoarding gold and silver and not spending it in the way of Allah. Paying it out in zakat is spending in the way of Allah without doubt; indeed, it is the best of spending in the way of Allah.
As for the Sunnah, it is established from the Prophet (peace and blessings be upon him) that he said:Sahih Muslim 987a
The people of the Sunan narrated from the hadith of Amr ibn Shu'ayb from his father from his grandfather that a woman came to the Prophet (peace and blessings be upon him) and on her daughter's hand were two thick bracelets of gold. He said: She said: No. He said: Sunan Abi Dawud 1563Hasan (Al-Albani) meaning, if you do not pay its zakat. So she took them off and threw them to the Messenger of Allah (peace and blessings be upon him) and said: They are for Allah and His Messenger. This hadith, al-Hafiz Ibn Hajar said in "Bulugh al-Maram" that its chain is strong, and Shaykh Abdul Aziz ibn Abdullah ibn Baz authenticated it. It is supported by what we mentioned first, the saying of the Prophet (peace and blessings be upon him): Sahih Muslim 987a which Muslim narrated from the hadith of Abu Hurayrah (may Allah be pleased with him).
The objection raised by those who say there is no zakat on jewelry cannot withstand the evidence that establishes the obligation of zakat on jewelry.
As for the amount of zakat, it is one-quarter of one-tenth, because the zakat on gold, silver, and trade goods is one-quarter of one-tenth, meaning one in forty. If you wish, say two and a half percent. If you wish, say twenty-five per thousand.
The important point is that it is one-quarter of one-tenth. The method of calculating it is to divide what you have by forty; the result of the division is the zakat. Then, if the woman has something from which to pay the zakat, let her pay it. If she has nothing from which to pay the zakat, and her husband or one of her relatives volunteers to pay the zakat for her with her permission, there is no harm. If that does not happen, she must sell some of her jewelry for the amount of the zakat and pay it out. If someone says: If you do this, you will be left without jewelry, because it will be exhausted by the zakat, the answer to that is that it cannot be exhausted by the zakat, because if it reaches a level where it falls below the nisab, zakat is not due. For example, if she pays from it every year until it reaches 84 grams of gold, she has no zakat in this case, because the gold she has does not reach the nisab. If someone says: If she has less than the nisab of gold, let us say she has half the nisab of gold, but she has silver that completes this deficit, meaning she has half the nisab of silver, for example.
The questioner : Yes.
The Shaykh : With the sum of both, the nisab would be complete. We say: She is not required to combine the gold with the silver to complete the nisab, because they are two different types, just as wheat is not combined with barley to complete the nisab in the chapter of zakat on fruits and grains. In this case, we say: She has no zakat on the gold she has, because it is half the nisab, and no zakat on the silver she has, because it is half the nisab. Yes.
The questioner : May Allah bless you.
The Shaykh : Gold or silver jewelry requires zakat if it reaches the nisab. The nisab for gold is 85 grams, and the nisab for silver is 595 grams. If a woman has gold that reaches the nisab, she must pay its zakat. Likewise, if a woman has silver that reaches the nisab, she must pay its zakat.
The questioner says she has 700 grams of gold, and this reaches the nisab, so she must pay zakat on this gold, even if she intends to wear it, whether she wears it or saves it for a need that may arise. This is the stronger opinion in this issue, and it is the school of Abu Hanifa (may Allah have mercy on him), a narration from Imam Ahmad, and the choice of the Grand Mufti of the Kingdom, Shaykh Abdul Aziz ibn Baz. This is because the Book and the Sunnah indicate this.
As for the Book, it is in the saying of Allah the Exalted:
And those who hoard gold and silver and spend it not in the way of Allah - give them tidings of a painful punishment.
وَالَّذينَ يَكنِزونَ الذَّهَبَ وَالفِضَّةَ وَلا يُنفِقونَها في سَبيلِ اللَّهِ فَبَشِّرهُم بِعَذابٍ أَليمٍAs for the Sunnah, it is established from the Prophet (peace and blessings be upon him) that he said:
If any owner of gold or silver does not pay what is due on him, when the Day of Resurrection would come, plates of fire would be beaten out for him; these would then be heated in the fire of Hell and his sides, his forehead and his back would be cauterized with them. Whenever these cool down, (the process is) repeated during a day the extent of which would be fifty thousand years
ما من صاحب ذهب ولا فضة لا يؤدّي منها زكاتها إلا إذا كان يوم القيامة صفّحت صفائح من نار وأحمي عليها في نار جهنم فيكوى بها جنبه وجبينه وظهره كلما بردت أعيدت في يوم كان مقداره خمسين ألف سنةThe people of the Sunan narrated from the hadith of Amr ibn Shu'ayb from his father from his grandfather that a woman came to the Prophet (peace and blessings be upon him) and on her daughter's hand were two thick bracelets of gold. He said:
Do you pay the zakat of this?
أتؤدين زكاة هذا؟Are you pleased that Allah may put two bangles of fire on your hands?
أيسرّك أن يسوّرك الله بهما سوارين من نارIf any owner of gold or silver does not pay what is due on him
ما من صاحب ذهب ولا فضة لا يؤدّي منها زكاتهاThe objection raised by those who say there is no zakat on jewelry cannot withstand the evidence that establishes the obligation of zakat on jewelry.
As for the amount of zakat, it is one-quarter of one-tenth, because the zakat on gold, silver, and trade goods is one-quarter of one-tenth, meaning one in forty. If you wish, say two and a half percent. If you wish, say twenty-five per thousand.
The important point is that it is one-quarter of one-tenth. The method of calculating it is to divide what you have by forty; the result of the division is the zakat. Then, if the woman has something from which to pay the zakat, let her pay it. If she has nothing from which to pay the zakat, and her husband or one of her relatives volunteers to pay the zakat for her with her permission, there is no harm. If that does not happen, she must sell some of her jewelry for the amount of the zakat and pay it out. If someone says: If you do this, you will be left without jewelry, because it will be exhausted by the zakat, the answer to that is that it cannot be exhausted by the zakat, because if it reaches a level where it falls below the nisab, zakat is not due. For example, if she pays from it every year until it reaches 84 grams of gold, she has no zakat in this case, because the gold she has does not reach the nisab. If someone says: If she has less than the nisab of gold, let us say she has half the nisab of gold, but she has silver that completes this deficit, meaning she has half the nisab of silver, for example.
The questioner : Yes.
The Shaykh : With the sum of both, the nisab would be complete. We say: She is not required to combine the gold with the silver to complete the nisab, because they are two different types, just as wheat is not combined with barley to complete the nisab in the chapter of zakat on fruits and grains. In this case, we say: She has no zakat on the gold she has, because it is half the nisab, and no zakat on the silver she has, because it is half the nisab. Yes.
The questioner : May Allah bless you.