The Ruling on the Hadith: "There is no Zakah in Adornments"

Question:
What is the ruling on the zakah of adornments; specifically, a woman's adornments if she owns nothing else? Does she have to sell some of it to pay the zakah? And what is the authenticity of the hadiths reported on this matter in general?

Answer:
Regarding the gold and silver adornments that women possess, there is scholarly disagreement if they are used or lent out. Some scholars, including some of the Companions and those who came after them, said: There is no zakah in them, and wearing them or lending them out is sufficient.
Others among them said: There is zakah in them; due to the general evidence indicating the zakah of gold and silver, and due to specific hadiths that came regarding adornments. Among them is the hadith of 'Abdullah ibn 'Amr ibn al-'As (may Allah be pleased with them both) that the Prophet (peace and blessings be upon him) saw two bracelets of gold (i.e., two bangles) on a woman's hand, and he said to her: She said: No. He said (peace and blessings be upon him): So she threw them away, and she said: They are for Allah and His Messenger.
Also, it came in the authentic hadith from Umm Salama (may Allah be pleased with her) that she used to wear ornaments of gold, so she said: O Messenger of Allah, is this a treasure? He said (peace and blessings be upon him): , and he did not say to her: There is no zakah in adornments.
The correct view is that there is zakah in them if they reach the nisab and a lunar year has passed over them, even if they are used or lent out; because Allah (Mighty and Majestic) says: [Al-Nisa:59] And we referred this matter to the Messenger (peace and blessings be upon him) and found that he commands zakah, so it is not permissible for us to leave off the zakah, except with evidence that specifies something of that, and there is no such evidence; rather, the evidence is authentic regarding the obligation of zakah.
As for the hadith: , it is a weak hadith according to the scholars. As for adornments that are kept for spending, saving, and the needs of the time; not for wearing or lending, these have zakah in them according to everyone. As for adornments of diamonds, pearls, and the like, there is no zakah in them, except if they are for trade.