How a creditor extracts his money that is with the debtor

Umm 'Atikah from al-Madinah al-Munawwarah sent a message containing a collection of questions. In one of them, she says: I borrowed a sum of money from a woman, and I was setting aside a portion of my monthly salary to keep with me, and she was aware of this, until a large amount accumulated to be presented to her as repayment of the debt. She asks: How do I pay zakah on this money? Do I pay it annually, or when I receive it in one lump sum?
Answer: If a lunar year has passed over it, if a lunar year has passed over it, you pay zakah on it, whether it is with you or with the woman or with someone other than the woman, as long as it is with a solvent person who gives you your right, you pay zakah on it when a lunar year has passed over it, whether it is with you or with the debtor. Yes.
The presenter: But he repays it in monthly installments?
The Shaykh: Whenever a lunar year passes over the money that is with the debtor, it is subject to zakah, even if he has not repaid it.
The presenter: May Allah bless you, may Allah reward you with good.