Assalaamu alaykum. First of all, I pray to Allaah to give more power and good health to the one who made this usefull website in order to keep helping people like this.
1. I am the elder son in my family; I am married and have a family of my own. I calculate zakah every year and then slowly pay it when people need it. I try my best to pay it off before the next year starts; is this right or wrong?
2. I am the only one who has a bussiness in the family. We are only two brothers; my younger brother takes care of my parants. I earn good money here in pakistan; my brother has no business or work. Can I use zakah money to help him start a business?
3. My sister's house, which I bought for her a few years ago, is very small. She has four kids; the space is small for them. Can I add some zakah money in order to buy a bigger house for her? Her husband does not earn enough to feed the family? Or can I use some zakah money to start a small business? For example, if I have to pay 100 USD as zakah, can I use 50% for the very poor and 50% to improve my family members' lives and make them able one day so that they can also pay zakah? My family knows how to pay zakah. If I ever help them, then they can improve there lives and contribute better.
4. My uncle has his business but it is only hand to mouth; he needs some money for an expansion. Can I lend him zakah money and tell him that once he can he just has to give this money to a needy person? I cannot tell him that this is zakah money. Please guide me and help me to understand better. May Allaah give you good health and power. Amin
All perfect praise be to Allaah, The Lord of the worlds. I testify that there is none worthy of worship except Allaah and that Muhammad, sallallaahu ʻalayhi wa sallam, is His slave and Messenger.
First of all, you should know that it is impermissible to delay the payment of zakah; whenever the zakah becomes due with the passage of the lunar year from the date of acquiring the wealth subject to zakah, you must hasten to pay the due zakah. If you wish to pay zakah in installments, then you should pay it in advance and not after the lunar year has passed. The basic principle is that the immediate payment of the zakah is obligatory and that it is impermissible to delay it.
The Fatwa of the Permanent Committee for Iftaa' reads, “It is impermissible to delay the payment of zakah after the completion of the lunar year except for a valid excuse such as a lack of rightful zakah recipients when it becomes due, inability to deliver it to them, or the absence of money at the time or the like...”
It is permissible to pay the zakah to your brother if he is among the rightful recipients; for example, if he is poor or in need and cannot find a job to provide for himself or is physically unable to work and earn a living. In this case, it is permissible to pay your zakah to him. The poor and needy who are entitled to receive the zakah are those who do not have what meets their basic needs: food, drink, clothing, house, medicine, and the like.
The same applies to your sister, her husband, and your uncle. If they fit the description of those entitled to zakah (they are poor or needy), it is allowable for you to pay your zakah to them. In fact, they are more deserving of your zakah in this case because paying zakah to them would be considered an act of charity and kindness to relatives at the same time.
You do not need to inform your relative that you are giving him zakah money, but you must transfer full ownership and possession of that money to him to dispose of it as he wishes. You do not have the right to stipulate that he repays you this money when his situation improves.
Also, it is not allowable to buy a house from the zakah funds. Shaykh Ibn ʻUthaymeen held that the preponderant view in this regard is that zakah funds cannot be used to buy a house for the poor. However, he mentioned that this matter is open for ijtihaad (scholarly reasoning). It is more prudent not to buy a house for the poor from the zakah money. If your sister's house is very small, you can give her family a sum of money that pays the rent of a house for a year from the zakah funds. The majority of the scholars held that the poor person should be given what will suffice him for a full year from the zakah funds because it is paid annually.
You cannot pay your zakah to finance a business for your sister's husband. Rather, you give the zakah to him, if he is among the rightful recipients of the zakah, to dispose of it as he wishes, because transferring the money to his possession is a condition of giving zakah.
Also, it is impermissible for you to lend the zakah money to someone because it is not your property; rather, it is a due right of the rightful recipients of zakah. Hence, it is incumbent on you, dear questioner, to pay the zakah immediately to its rightful recipients, and you cannot pay it to a relative who is not among the rightful beneficiaries of the zakah merely to win them over or do them a favor.
Allaah knows best.
*Helped by fatwas of islamweb.net