Is zakat obligatory on financial cooperatives, the funds of which their owner has not yet received, given the passing of a hawl (lunar year) and the continued payment of its installments?

Zakat is obligatory on sums of money paid to employee associations if a full year (hawl) has passed over them and the turn to receive them has not yet come. They are subject to zakat as a deposit if they reach the waqf threshold (nisab) either on their own or when combined with other money or trade goods. Charity given without the intention of it being zakat does not fulfill the obligation of zakat.