Having the Silver Nisaab When Combining One’s Gold and Cash

1. A person has some gold and some excess cash.
2. If he or she converts the cash into gold, the total weight of all the gold he/she then possesses does not reach the Nisaab of gold.
3. However, if this person converts the gold and the cash into silver then it reaches the Nisaab of silver.
4. In this case he or she has to give Zakaat.
5. Example:

• Zainab has gold jewellery and some cash savings.
• The gold jewellery she possesses equals 70 grams of gold.
• The cash she has saved up equals 10 grams of gold.
• She thus has in her possession equivalent of 80 grams of gold.
• The gold Nisaab is 87,48 grams.
• She, therefore, does not have the Nisaab in gold.
• However, if she converts the 80 grams of gold into silver it amounts to 700 grams of silver.
• And the cash converted to silver amounts to 100 grams of silver.
• Thus, the total amount equivalent in silver by Zainab is 800 grams.
• The silver Nisaab is 612,36 grams.
• Thus, Zakaat is Fardh upon her when a year passes over the gold and cash she has.

(Behshti Zewar)