They justified this by saying: the basic ruling concerning jewelry is that zakah is due on it, and this strengthens the effect of one’s intention—unlike clothing. Yet this is an admission on their part that the basic ruling concerning jewelry is that zakah is obligatory. So we say to them: what has overturned this basic ruling without any evidence?
- They said: If someone intends to evade zakah by acquiring jewelry, zakah is not waived. The apparent meaning of the statements of most of Imam Ahmad’s followers is that if someone acquires an excessive amount of real estate in order to evade zakah, zakah is waived. By analogy, if someone acquires an excessive amount of clothing in order to evade zakah, zakah is waived; for there is no difference between clothing and real estate. Thus, if permissible jewelry differs from clothing intended for wear in these rulings, how can we obligate—or permit—its being treated like clothing in a ruling in which the textual evidence has established a distinction between them? (1)
Once this is established, zakah is not obligatory on jewelry until it reaches the minimum taxable threshold, on account of the previously cited hadith of Umm Salamah, may Allah be pleased with her: “Whatever reaches the amount upon which zakah must be paid, and its zakah is paid, is not hoarded wealth.” (2) The threshold for gold is twenty dinars, and the threshold for silver is two hundred dirhams.
Thus, if gold jewelry contains less than the weight of twenty dinars of gold, and its owner has no other gold with which to complete the threshold, no zakah is due on it.
Likewise, if silver jewelry contains less than the weight of two hundred dirhams of silver, and its owner has no other silver with which to complete the threshold, no zakah is due on it.