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Zakat Emas

Jawapan dari e-zakat

Kaedah Kiraan Zakat Emas & Perak

Emas Yang Disimpan
Emas yang disimpan bermaksud emas yang tidak dipakai walaupun sekali dalam setahun. Jika emas yang disimpan itu menyamai atau melebihi kadar nisab (85 gram), maka wajib dikeluarkan zakat sebanyak 2.5% atas nilai emas tersebut. Nilai yang diambil kira adalah nilai emas sahaja iaitu tidak termasuk batu-batu permata.

Contoh:

Emas yang disimpan atau tidak dipakai bernilai RM 4,000 (nilai emas semasa), maka zakatnya ialah sebanyak: RM 4,000 X 2.5% = RM 100.

Emas Yang Dipakai
Emas yang dipakai sebagai perhiasan oleh wanita sama ada sekali-sekala atau secara berterusan tidak dikenakan zakat sekiranya ia tidak melebihi URUF (nilai pemakaian setempat yang dibenarkan). Sekiranya melebihi URUF, maka ianya wajib dikeluarkan zakat sebanyak 2.5% atas nilai lebihan dari URUF itu. Penggunaan URUF ini banyak digunakan oleh pelbagai golongan khususnya bersandarkan kepada Imam An-Nawawi yang berpegang kepada mazhab Asy-Syafie. Sebagai panduan, buat masa ini kadar URUF yang digunakan di Selangor adalah sebanyak RM 5,000.

Contoh: Seorang wanita yang memiliki dan memakai emas sebagai perhiasan diri bernilai RM 7,000, maka zakatnya ialah sebanyak: (RM 7,000 - RM 5,000) X 2.5% = RM 2,000 X 2.5% = RM 50.
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Lagi mengenai zakat emas :

Zakat On Gold

There are several types of monetary items on which Zakat must be paid . They are namely: Cash, Gold, Silver, Trade and Merchandise, Livestock, Plowed Land Produce, and Buried Treasures. In addition, the amount of Zakat to be paid on each monetary item and its due date will be presented. In general, Zakat is mandatory when two conditions are simultaneously satisfied: Nisab and Due Date.

Gold is one of the precious metals that is zakatable. The obligation of zakat on gold is explained in Al’Quran as follows.





Translation

    “…And (remember) those who hoard up gold and silver and do not spend it in the Path of Allah - proclaim to them a painful punishment. (That is) on that day their gold and silver (their treasures) will be heated in the Fire of Hell, and their foreheads, sides and backs branded with them (while it will be said to them): “These are the riches which you hoarded. Taste then (the punishment of) what you have hoarded”.(At-Taubah: 34-35)


Gold zakat calculation not only involved jewelery  but those used daily or kept  and anything  in the form of  gold such as watch,gold bulk, locket, button, brooch and hairpin. While  one of the compulsory requirements to fulfill gold zakat was individuals who possess enough calculation, reached the required time and perfect  requirements  for men and women. This zakat payment should  be  paid through the zakat institution because zakat money will be collected in which fund can be  develop when given to eligible group.


Zakatable Gold



Zakatable Gold include:
  1. Gold in hand , Gold Saving Accounts & Gold Certificates.

  2. Men's gold jewelry (although unlawful Zakat still has to be paid on these items).

  3. Women's gold jewelry is not subject to Zakat unless its amount is excessive or unless it was acquired primarily as a way of saving.

  4. Gold Utensils and Tools (although unlawful for both men and women, one still has to pay Zakat on these items). 

Condition of Zakat on Gold Calculation

Zakat on gold is calculated in two conditions:
  1. Use gold
    Zakat is not obligatory on gold jewelry that is worn once or more in a year. However if the jewelry exceeds ‘uruf’ (typical or customary use in local community), the extra is zakatable by percentage 2.5%. Only the current market value of gold is considered for calculation, any other gems stones are excluded.

  2. Stored Gold
    It refers to gold that is not used or worn even once in a year. If the value of the stored gold equals to or exceeds nisab, zakat of 2.5% is obligatory.

Zakat Nisab/Uruf & Due Date

Gold zakat rate limit are different depending  on each states  and the  standard of living or habit rate of users.

 State  Conditions  Nisab/Uruf  Due Date
 Zakat %
 Calculator  Website
 Johor  Use Gold  850 gram (uruf)
A year  2.5%  Calculator  Zakat Page
   Stored Gold  85 gram (nisab)
A year
 2.5%    
 Kedah  Use Gold  85 gram (uruf)  A year  2.5%  Calculator  Zakat Page
   Stored Gold  85 gram (nisab)
 A year  2.5%    
 Melaka  Use Gold  200 gram (uruf)
 A year  2.5%  N/A  Zakat Page
   Stored Gold  85 gram (nisab)  A year  2.5%    
 Negeri Sembilan
 Use Gold  850 gram (uruf)  A year  2.5%  Calculator  Zakat Page
   Stored Gold  85 gram (nisab)  A year  2.5%    
 Pahang  Use Gold  200 gram (uruf)  A year  2.5%  Calculator  Zakat Page
   Stored Gold  85 gram (nisab)  A year  2.5%    
 Perak  Use Gold  500 gram (uruf)  A year  2.5%  Calculator  Zakat Page
   Stored Gold  85 gram (nisab)  A year  2.5%    
 Selangor
Use Gold
 800 gram (uruf) A year
 2.5%  Calculator  Zakat Page
  Stored Gold
 85 gram (nisab) A year  2.5%    
 Terengganu Use Gold  850 gram (uruf)  A year  2.5%  Calculator  Zakat Page
  Stored Gold  85 gram (nisab)  A year  2.5%    
Wilayah Persekutuan Use Gold  150 gram (uruf)  A year  2.5%  Calculator  Zakat Page
  Stored Gold  85 gram (nisab)  A year  2.5%    

NOTE:
85 gram = 20 misqal = 25 mayam 2.7108 saga

Disclaimer:
All information provided is subject to the accuracy of the respective organizations from which the information is compiled. Please refer to respective Zakat Page for latest information. Links to other web sites are provided for your convenience and GoldCentro is not responsible for the information contained on those web sites.


Zakat on Gold Calculation

Zakat on gold calculation formula for stored gold is same for all states in Malaysia but not for use gold. For the accurate formula I suggest to refer to each state zakat website or just use their Calculator.

Example of calculation for Selangor:

Use Gold:

Weight of used gold  = 900 grams
Gold’s uruf = 800 grams
Current Gold Price Per Gram = RM50

Total Zakat = Weight of used gold x Current Gold Price Per Gram x 2.5%
                       = 900 gram x RM50 x 2.5%
                       = RM1125


Stored Gold:

Weight of stored gold  = 90 grams
Gold’s nisab = >=85 grams
Current Gold Price Per Gram = RM50

Total Zakat = Weight of stored gold x  Current Gold Price Per Gram x 2.5%
                       = 90 gram x RM50 x 2.5%
                       = RM112.50


Example of calculation for Wilayah Persekutuan:

  1. Use Gold:

    Weight of used gold  = 250 grams

    Gold’s uruf = 150 grams
    Current Gold Price Per Gram = RM50

    Weight of zakatable gold = Weight of used gold - Gold's uruf
                                                       = 250 grams - 150 grams
                                                       = 100grams

    Total Zakat = Weight of zakatable gold x Current Gold Price Per Gram x 2.5%
                            = 100 gram x RM50 x 2.5%
                            = RM 125


  2. Stored Gold:

    Weight of stored gold  = 90 grams
    Gold’s nisab = 85 grams
    Current Gold Price Per Gram = RM50

    Total Zakat = Weight of stored gold x  Current Gold Price Per Gram x 2.5%
                           = 90 gram x RM50 x 2.5%
                           = RM112.50

   
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Renungan Buat Semua

"ALLAH JADIKAN DUA LOGAM YANG BERNILAI (EMAS DAN PERAK) SEBAGAI PENGUKUR KEPADA BARANGAN DAGANGAN. LOGAM INI SERINGKALI DIJADIKAN UKURAN KEKAYAAN SESEORANG. WALAUPUN ADAKALANYA BARANGAN DAGANGAN LAIN TURUT MENYIMPAN NILAI YANG TERSENDIRI, AKHIRNYA IA AKAN DIGUNAKAN UNTUK MENDAPATKAN EMAS DAN PERAK. BARANGAN DAGANGAN LAIN TERKESAN AKIBAT TURUN NAIK PASARAN, SEDANGKAN EMAS DAN PERAK TIDAK." - Ibnu Khaldun -

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Renungan Buat Semua

SABDA RASULULLAH SAW "AKAN TIBA SUATU ZAMAN DI MANA TIADA APA YANG BERNILAI DAN BOLEH DIGUNAKAN OLEH UMMAT MANUSIA. MAKA SIMPANLAH DINAR DAN DIRHAM (UNTUK DIGUNAKAN)" - Musnad Imam Ahmad Ibn Hambal -