The Permissibility to Save Up for a Need Does Not Invalidate the Obligation of Zakat

প্রশ্ন · Question

The savings of gold that for years in which zakat was not paid on it, is
it paid for each year or once in a lifetime? And is the material
payment permissible that is by its value? Thank you

উত্তর · Answer

Wa Alaikum Assalam Wa Rahmatullah Wa Barakatuh
1- Before answering your question I would like to draw attention to
the fact that saving gold and silver and money for a non -specific need
is considered as hoarding even if you pay the zakat on it, and
hoarding is haram, and the evidence of its prohibition:
Allah ﷻ says:
(لِيمٍ * يَوْ
َ
وَالهذِينَ يَكْي ِ ُونَ الذَّهَبَ وَالْفِضَّةَ وَلََ يُنْفِقُونَهَا ف ِي سَبِيلِ اللَّهِ فَبَشِّرْهُمْ بِعَذَابٍ أ مَ
َنْفُسِ
يُحْمًَّ عَلَيْهَا ف ِي نَارِ جَهَنَّمَ فَتُكْوَى بِهَا جِبَاهُهُمْ وَجُنُوب ُهُمْ وَظُهُورُهُمْ هَذَا مَا كَي َ ْتُمْ لِْ كُمْ
فَذُوقُوا مَا كُنْتُمْ تَكْي ِ ُونَ )

“And those who hoard gold and silver and spend it not in the way of
Allah - give them tidings of a painful punishment * The Day when it
will be heated in the fire of Hell and seared therewith will be their
foreheads, their flanks, and their backs, [it will be said], "This is what
you hoarded for yourselves, so taste what you used to hoard.” [At -
Tawba: 34-35]
-Ahmad narrated through a correct chain of narration from Abu
Amamah that he said:
هْلِ الصُّفَّةِ، فَوُجِدَ ف ِي مِي ْ َرِهِ دِينَارٌ، فَقَالَ رَسُولُ اللَّهِ صلَ الله عليه وسلم
َ
يَ رَجُلٌ مِنْ أ
(تُوُف ر
«يَ آخَرُ فَوُجِدَ ف ِي مِي ْ َرِهِ دِينَارَانِ، فَقَالَ رَسُولُ اللَّهِ صلَ الله عليه
يَّةٌ
وسلم
A man from Ahl Al -Suffah died, and a Dinar was found in his
garment (waist -wrap); the Messenger of Allah ﷺ said: “he will be
burnt”, then another died and two Dinars were found on him, and
the Messenger of Allah said: “he will be burnt twice”.
Tabari narrated the same from Abu Amamah Al -Bahili. This means
that it is haram to hoard gold and silver at all, even if it is two dinars,
even if it is one dinar, as long as it is hoarding; that is saving up of
money for no reason. And the Messenger ﷺ said that regarding
these two men because they were living off charity and yet they had
gold pieces, he ﷺ said: «Kayat» and said: «Kayatan» referring to the
verse of Allah ﷻ:
(يَوْمَ يُحْمًَّ عَلَيْهَا ف ِي نَارِ جَهَنَّمَ فَتُكْوَى بِهَا جِبَاهُهُمْ وَجُنُوب ُهُمْ )
The Day when it will be heated in the fire of Hell and seared
therewith will be their foreheads, their flanks,” [At-Tawba: 35]
which is a section of the verse of hoarding, i.e. it refers to the verse
of hoarding. This is an evidence of the absolute prohibition of
hoarding, whether the nisab zakat is due on it or not, and whether
the person paid zakat on it or not, all types of hoarding is haram.

As for saving up for a need, it is permissible and the evidences of
hoarding do not apply to it. "The difference between hoarding and
saving is that hoarding is the collection of the money for no purpose,
it is keeping the money away from the market. As for saving, it is
keeping the money for a purpose; like saving to build a house, to
marry, to buy a factory, to open a business or otherwise”.
2- If one saves gold for no purpose, then he has committed a sin
because it is hoarding of gold, which is haram ... However, he has to
pay zakat on gold that he has saved for no reason, because the
forbidden hoarding does not invalidate the obligation of zakat. The
same goes to saving for a purpose, it is not haram, but the owner
must pay zakat on it if the nisab is reached and the year has passed
on it. This is because the permissibility to save up for a need does not
invalidate the obligation of zakat.
3- The obligation of zakat is due on a (Hijri) yearly basis, if the money
reaches "gold, for example," the nisab and a year passes on it, the
zakat is due on it, it is one -quarter of the tenth, or 2.5% of it. If one
pays zakat on his money after the year, he would have fulfilled the
obligation. But if he delays the payment of zakat on that year, it
remains obligatory for him to perform it for that year. Its payment for
one Hijri year does not take the place for another Hijri year, because
zakat as mentioned above is an annual obligation that is renewed
each year as long as its causes and conditions are in place.
For example, a person who has saved up gold five Hijri years, and
gold has reached the nisab at the beginning of saving. He has to pay
zakat of five years at the end of the fifth year if he has not paid zakat
on this gold before Because the zakat of every Hijri year of those five
years is an obligation on his neck and must be paid.
He must pay zakat five times for that time (5 years), with the amount
2.5% of the gold he saved ... Note that it is not obligatory for him to
pay zakat on the amount of the first year that he paid, i.e. the 2.5 %

rather he must pay zakat on the remaining 97.5% from the first year,
so in the second year he will pay 2.5% of the remaining amount. The
same goes in the subsequent years, it is noticed that there is a
decrease on money of the person paying zakat after paying off zakat
in previous years.
4- As for paying zakat in the value of the wealth rather than in same
material is permissible, so instead of giving gold on gold, he can pay
the value of the gold in banknotes, silver or the like.
In the Book “Funds in the Khilafah State” page 140 (English) it states
the following under the chapters of Treasury’s revenues:
(It is also found in the Sunnah that the Messenger of Allah and his
companions would oblige a right in money then change it to
something else easier for its giver to give than the original money. Of
this is the book of the Prophet to Muaz in Yemen on Jizya: “Upon
each mature person is a Dinar or its equivalent in clothes (Mu’afir).”
So the Prophet took goods instead of taking the specific thing itself
i.e. he took clothes instead of gold. Of this also is what he wrote to
the people of Najran: “Upon them two thousand garments every year
or its equivalent in ounces of gold and silver.” ‘Umar (RA) used to
take camels in Jizya instead of gold and silver, as Ali used to take
needles, ropes and large needles in Jizya instead of gold and silver.)
End quote.
In the Book “Funds in the Khilafah State” page 147 (English) it states
the following under the chapters of Treasury’s revenues:
(Zakat on gold is paid in gold, representative currency and reliable
currency. Zakat on silver is paid in silver, representative currency and
reliable currency. Similarly, Zakat on gold can be paid in silver and
compulsory currency while Zakat on silver can be paid in gold and
compulsory currency, as they are all currencies and prices. So some
of them can take the place of others and some of them can be paid in

the place of others for the objective is verified in this. It has been
mentioned in the chapter of Zakat on crops and fruits the evidences
for taking the value as a substitute for the property upon which Zakat
is obliged.) End quote
It is clear from the above that it is permissible to pay zakat on gold
and silver with the banknotes used, according to the market price for
gold and silver when paying zakat.
I hope this answer is sufficient.
Your brother,
Abu Yasin
01 Ramadan 1440 AH
06/05/2019 CE