Ḥadīth 51602 - وَ رُوِيَ: «أَنَّ اَلْقَرْضَ حِمًى لِلزَّكَاةِ وَ إِنْ كَانَ لَكَ عَلَى رَجُلٍ مَالٌ وَ لَمْ يَتَهَيَّأْ لَكَ قَضَاؤُهُ فَاحْسُبْهُ مِنَ اَلزَّكَاةِ إِنْ شِئْتَ وَ لاَ بَأْسَ أَنْ يَشْتَرِيَ اَلرَّجُلُ مَمْلُوكاً مُؤْمِناً مِنْ زَكَاةِ مَالِهِ فَيُعْتِقَهُ فَإِنِ اِسْتَفَادَ اَلْمَعْتُوقُ مَالاً وَ مَاتَ فَمَالُهُ لِأَهْلِ اَلزَّكَاةِ لِأَنَّهُ اُشْتُرِيَ بِمَالِهِمْ وَ إِنِ اِشْتَرَى رَجُلٌ أَبَاهُ مِنْ زَكَاةِ مَالِهِ فَأَعْتَقَهُ فَهُوَ جَائِزٌ وَ إِذَا مَاتَ رَجُلٌ مُؤْمِنٌ وَ أَحْبَبْتَ أَنْ تُكَفِّنَهُ مِنْ زَكَاةِ مَالِكَ فَأَعْطِهَا وَرَثَتَهُ يُكَفِّنُونَهُ بِهَا فَإِنْ لَمْ يَكُنْ لَهُ وَرَثَةٌ فَكَفِّنْهُ وَ اُحْسُبْهُ مِنَ اَلزَّكَاةِ فَإِنْ أَعْطَى وَرَثَتَهُ قَوْمٌ آخَرُونَ ثَمَنَ كَفَنٍ فَكَفِّنْهُ أَنْتَ وَ اُحْسُبْهُ مِنَ اَلزَّكَاةِ إِنْ شِئْتَ وَ يَكُونُ مَا أَعْطَاهُمُ اَلْقَوْمُ لَهُمْ يُصْلِحُونَ بِهِ شُئُونَهُمْ وَ إِنْ كَانَ عَلَى اَلْمَيِّتِ دَيْنٌ لَمْ يَلْزَمْ وَرَثَتَهُ قَضَاؤُهُ مِمَّا أَعْطَيْتَهُمْ وَ لاَ مِمَّا أَعْطَاهُمُ اَلْقَوْمُ لِأَنَّهُ لَيْسَ بِمِيرَاثٍ وَ إِنَّمَا هُوَ شَيْءٌ صَارَ لِوَرَثَتِهِ بَعْدَ مَوْتِهِ وَ إِذَا كَانَ مَالُكَ فِي تِجَارَةٍ وَ طُلِبَ مِنْكَ اَلْمَتَاعُ بِرَأْسِ مَالِكَ وَ لَمْ تَبِعْهُ تَبْتَغِي بِذَلِكَ اَلْفَضْلَ فَعَلَيْكَ زَكَاتُهُ إِذَا حَالَ عَلَيْهِ اَلْحَوْلُ وَ إِنْ لَمْ يُطْلَبْ مِنْكَ اَلْمَتَاعُ بِرَأْسِ مَالِكَ - فَلَيْسَ عَلَيْكَ زَكَاتُهُ وَ إِنْ غَابَ عَنْكَ مَالُكَ فَلَيْسَ عَلَيْكَ زَكَاتُهُ إِلَى أَنْ يَرْجِعَ إِلَيْكَ مَالُكَ وَ يَحُولَ عَلَيْهِ اَلْحَوْلُ وَ هُوَ فِي يَدِكَ إِلاَّ أَنْ يَكُونَ مَالُكَ عَلَى رَجُلٍ مَتَى أَرَدْتَ أَخْذَهُ مِنْهُ تَهَيَّأَ لَكَ فَإِنَّ عَلَيْكَ فِيهِ اَلزَّكَاةَ فَإِنْ رَجَعَ إِلَيْكَ مَنْفَعَتُهُ لَزِمَتْكَ زَكَاتُهُ وَ إِنْ بِعْتَ شَيْئاً وَ قَبَضْتَ ثَمَنَهُ فَاشْتَرَطْتَ عَلَى اَلْمُشْتَرِي زَكَاةَ سَنَةٍ أَوْ سَنَتَيْنِ أَوْ أَكْثَرَ فَإِنَّ ذَلِكَ جَائِزٌ يَلْزَمُهُ مِنْ دُونِكَ وَ إِنِ اِسْتَقْرَضْتَ مِنْ رَجُلٍ مَالاً وَ بَقِيَ عِنْدَكَ حَتَّى حَالَ عَلَيْهِ اَلْحَوْلُ فَإِنَّ عَلَيْكَ فِيهِ اَلزَّكَاةَ وَ لاَ تُعْطِ زَكَاةَ مَالِكَ غَيْرَ أَهْلِ اَلْوَلاَيَةِ وَ لاَ تُعْطِ مِنْ أَهْلِ اَلْوَلاَيَةِ اَلْأَبَوَيْنِ وَ اَلْوَلَدَ وَ لاَ اَلزَّوْجَ وَ لاَ اَلزَّوْجَةَ وَ لاَ اَلْمَمْلُوكَ وَ لاَ اَلْجَدَّ وَ لاَ اَلْجَدَّةَ وَ كُلَّ مَنْ يُجْبَرُ اَلرَّجُلُ عَلَى نَفَقَتِهِ وَ لاَ بَأْسَ أَنْ يُعْطَى اَلْأَخُ وَ اَلْأُخْتُ وَ اَلْعَمُّ وَ اَلْعَمَّةُ وَ اَلْخَالُ وَ اَلْخَالَةُ مِنَ اَلزَّكَاةِ.
Hadith.1602 - It is narrated:
"A loan is a safeguard for Zakat. If you are owed money by someone and they are unable to repay it, you may count it as part of your Zakat if you wish.
There is no issue if a person buys a believing slave with Zakat money and emancipates him. If the emancipated person gains wealth and dies, his wealth belongs to the beneficiaries of Zakat because he was purchased with their money.
If a man buys his father with Zakat money and emancipates him, this is permissible.
If a believer dies and you wish to shroud him using Zakat funds, give the Zakat to his heirs so they may shroud him. If he has no heirs, you may shroud him and count it as part of your Zakat.
If others give the heirs the cost of the shroud, you may still shroud him yourself and count it as Zakat if you wish. The money given by others to the heirs remains theirs to manage their affairs.
If the deceased had debts, it is not obligatory for the heirs to repay those debts from the Zakat you gave them or from the funds given by others, because these funds are not inheritance but something that came to the heirs after the death of the deceased.
If your wealth is in trade, and the goods are sought at your purchase price, Zakat is obligatory upon it if a year passes. If the goods are not sought at your purchase price, there is no Zakat due.
If your wealth is absent, Zakat is not due on it until it returns to you and a year passes with it in your possession.
However, if your wealth is owed by someone who can repay it whenever you ask, then Zakat is obligatory upon it. Once its benefit returns to you, Zakat becomes due upon it.
If you sell something and receive its price but stipulate with the buyer that they must pay the Zakat for one, two, or more years, this is permissible, and the responsibility for Zakat falls upon them, not you.
If you borrow money from someone and keep it until a year passes, Zakat is obligatory upon that money.
Do not give your Zakat to those outside the circle of wilayah, and do not give it to your parents, children, spouses, slaves, grandparents, or anyone whose expenses you are obligated to cover.
However, there is no issue in giving Zakat to your brother, sister, uncle, aunt, or cousins."