Zakaah
on jewellery with stone inlays
Question:
How does one pay Zakaah on jewellery that is not simply gold
but is gold with precious stone inlays? Does one also include
the weight of those stones since it would be very difficult
to remove the gold and weigh it by itself?
Response:
Gold is the thing upon which Zakaah must be paid, even if
it is simply for wearing. As for the precious stones, such
as pearls, diamonds and so forth, there is no Zakaah on them.
If a necklace, for example, has both gold and these other
stones, the woman, her husband or guardian then must ponder
the matter and try to estimate the amount of gold or give
it to an expert to estimate it. It is sufficient to be fairly
certain about the matter [and one need not be exact]. If the
amount of the nisaab is reached, Zakaah must be paid. The
nisaab is twenty mithqaals.. which is ninety-two grams. The
Zakaah is to be paid every year [once a year]. The amount
is 2.5%. For example, on one thousand, a person pays twenty-five.
This is the correct opinion among the views of the scholars.
If the jewellery is for business purposes, then one pays Zakaah
on all of it, including pearls and diamonds, according to
their [market] value, which is the same with all types of
merchandise goods. This is the opinion of the majority of
the scholars.
Shaykh
Ibn Baaz
Fataawa al-Mar.ah
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