The Shaykh Muhammad ibn Salih al-Uthaymeen said: "If that is clarified, then zakah is not obligatory in jewelry until it reaches the nisab, based on the aforementioned hadith of Umm Salimah.
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The questioner : If that is clarified, then zakah is not obligatory in jewelry until it reaches the nisab, based on the aforementioned hadith of Umm Salimah Sunan Abi Dawud 1564 The nisab for gold is twenty dinars, and the nisab for silver is two hundred dirhams. If the weight of the gold in gold jewelry is less than twenty dinars, and the owner does not have any gold with which to complete the nisab, then there is no zakah in it. And if the weight of the silver in silver jewelry is less than two hundred dirhams, and the owner does not have any silver with which to complete the nisab, then there is no zakah in it. What is considered is the weight of the gold and silver in the jewelry.
The Shaykh : Yes.
The questioner : What is considered is the weight of the gold and silver in the jewelry. As for what is in it of pearls and the like, it is not counted toward completing the nisab, nor is zakah paid on the pearls and the like in it, because it is not of.
The Shaykh : ... and he does not pay zakah, I mean on the pearls and the like of the jewels found in the jewelry, because they are not of gold nor silver. And what do you have? Fill it in for me?
The questioner : And he does not pay zakah on what is in it.
The Shaykh : And he does not pay zakah on it.
The questioner : And he does not pay zakah on the pearls and the like in it, what is in it.
The Shaykh : Then, in completing the nisab, from here.
The questioner : ... .
The Shaykh : As for what is in it of pearls and the like, it is not counted toward completing the nisab.
The questioner : This is present.
The Shaykh : Are you there?
The questioner : And zakah is not paid on the pearls and the like in it.
The Shaykh : Yes.
The questioner : Because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it.
The Shaykh : Write down what is correct, we will repeat, we will repeat, write down what you can and the rest will come.
The questioner : And jewelry other than gold and silver has no zakah in it, except if it is for trade. We will repeat.
And he does not pay zakah on the pearls and the like in it ..
The Shaykh : Be patient, did you write this? And he does not pay zakah on the pearls and the like in it, yes.
The questioner : Because it is not of gold or silver.
The Shaykh : Because it is not of gold or silver. Did you write it, what is correct ... okay.
The questioner : Because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it.
The Shaykh : And jewelry other than gold and silver has no zakah in it, yes.
The questioner : And jewelry other than gold and silver has no zakah in it, except if it is for trade.
The Shaykh : Except if it is for trade.
The questioner : Shall we repeat, O Shaykh?
The Shaykh : The Messenger used to repeat a word three times when he spoke, good.
The questioner : And he does not pay zakah on the pearls and the like in it, because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it, except if it is for trade.
The Shaykh : Except if it is?
The questioner : For trade.
Shall we continue, O Shaykh?
The Shaykh : Very well.
The questioner : But is what is considered for the nisab of gold the Islamic dinar, whose weight is one mithqal, and for the nisab of silver the Islamic dirham, whose weight is seven-tenths of a mithqal, or ..
The Shaykh : Now, the Islamic dirham is less than the gold, less than the dinar in weight, or not? The dinar is a mithqal and the dirham is seven-tenths, meaning every ten dirhams are seven mithqals. Every ten Islamic dirhams are seven mithqals. And ten dinars, how much? Ten mithqals, meaning that means that in the time of the Messenger (peace and blessings be upon him), the dirham was very little in proportion, less than the dinar. But we now, in our custom, the dirham is much larger than the dinar, more, and the dinar ... Brother Khalid a few days ago.
The questioner : ... .
The Shaykh : Correct, did you bring it? I brought it.
He brought it and brought the scale, he brought the very precise scale, and the best, O Brother Khalid, is that you give each person a dinar so that he can examine it, yes.
The questioner : If he can visualize it, O Shaykh.
The Shaykh : No ... .
The questioner : ... .
The Shaykh : The dinar is the currency of gold, and the dirham is the currency of silver. The dinar is called a pound by us, and the dirham is called a riyal, yes, correct.
The questioner : ... .
The Shaykh : Yes, it is known, gold is more expensive for us now, and also in the time of the Messenger (peace and blessings be upon him). But only the dirhams were small in the time of the Messenger, less than the dinar, the dirham is less in weight than the dinar. What we have is much more ... .
The questioner : But is what is considered for the nisab of gold the Islamic dinar, whose weight is one mithqal, and for the nisab of silver the Islamic dirham, whose weight is seven-tenths of a mithqal, or is what is considered the dinar and dirham by custom in every time and place according to its circumstances, whether the amount of gold and silver in it is little or much?
whatever reaches a quantity on which zakat is payable is not a treasure (kanz) when the zakat is paid.
ما بلغ أن تؤدّى زكاته فزُكّي فليس بكنزThe Shaykh : Yes.
The questioner : What is considered is the weight of the gold and silver in the jewelry. As for what is in it of pearls and the like, it is not counted toward completing the nisab, nor is zakah paid on the pearls and the like in it, because it is not of.
The Shaykh : ... and he does not pay zakah, I mean on the pearls and the like of the jewels found in the jewelry, because they are not of gold nor silver. And what do you have? Fill it in for me?
The questioner : And he does not pay zakah on what is in it.
The Shaykh : And he does not pay zakah on it.
The questioner : And he does not pay zakah on the pearls and the like in it, what is in it.
The Shaykh : Then, in completing the nisab, from here.
The questioner : ... .
The Shaykh : As for what is in it of pearls and the like, it is not counted toward completing the nisab.
The questioner : This is present.
The Shaykh : Are you there?
The questioner : And zakah is not paid on the pearls and the like in it.
The Shaykh : Yes.
The questioner : Because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it.
The Shaykh : Write down what is correct, we will repeat, we will repeat, write down what you can and the rest will come.
The questioner : And jewelry other than gold and silver has no zakah in it, except if it is for trade. We will repeat.
And he does not pay zakah on the pearls and the like in it ..
The Shaykh : Be patient, did you write this? And he does not pay zakah on the pearls and the like in it, yes.
The questioner : Because it is not of gold or silver.
The Shaykh : Because it is not of gold or silver. Did you write it, what is correct ... okay.
The questioner : Because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it.
The Shaykh : And jewelry other than gold and silver has no zakah in it, yes.
The questioner : And jewelry other than gold and silver has no zakah in it, except if it is for trade.
The Shaykh : Except if it is for trade.
The questioner : Shall we repeat, O Shaykh?
The Shaykh : The Messenger used to repeat a word three times when he spoke, good.
The questioner : And he does not pay zakah on the pearls and the like in it, because it is not of gold or silver, and jewelry other than gold and silver has no zakah in it, except if it is for trade.
The Shaykh : Except if it is?
The questioner : For trade.
Shall we continue, O Shaykh?
The Shaykh : Very well.
The questioner : But is what is considered for the nisab of gold the Islamic dinar, whose weight is one mithqal, and for the nisab of silver the Islamic dirham, whose weight is seven-tenths of a mithqal, or ..
The Shaykh : Now, the Islamic dirham is less than the gold, less than the dinar in weight, or not? The dinar is a mithqal and the dirham is seven-tenths, meaning every ten dirhams are seven mithqals. Every ten Islamic dirhams are seven mithqals. And ten dinars, how much? Ten mithqals, meaning that means that in the time of the Messenger (peace and blessings be upon him), the dirham was very little in proportion, less than the dinar. But we now, in our custom, the dirham is much larger than the dinar, more, and the dinar ... Brother Khalid a few days ago.
The questioner : ... .
The Shaykh : Correct, did you bring it? I brought it.
He brought it and brought the scale, he brought the very precise scale, and the best, O Brother Khalid, is that you give each person a dinar so that he can examine it, yes.
The questioner : If he can visualize it, O Shaykh.
The Shaykh : No ... .
The questioner : ... .
The Shaykh : The dinar is the currency of gold, and the dirham is the currency of silver. The dinar is called a pound by us, and the dirham is called a riyal, yes, correct.
The questioner : ... .
The Shaykh : Yes, it is known, gold is more expensive for us now, and also in the time of the Messenger (peace and blessings be upon him). But only the dirhams were small in the time of the Messenger, less than the dinar, the dirham is less in weight than the dinar. What we have is much more ... .
The questioner : But is what is considered for the nisab of gold the Islamic dinar, whose weight is one mithqal, and for the nisab of silver the Islamic dirham, whose weight is seven-tenths of a mithqal, or is what is considered the dinar and dirham by custom in every time and place according to its circumstances, whether the amount of gold and silver in it is little or much?