Is it permissible to pay the Zakat amount of ten thousand in installments according to one's ability, or is it obligatory to borrow the full amount and pay the Zakat in one lump sum, then repay the debt later?

The zakat on funds placed in a bank wallet intended to benefit from stock dividends: if the company does not pay zakat on its funds, then the shareholder must pay zakat on his shares. If he can determine the portion of zakat attributable to his shares, he should pay zakat on that basis.

If the shareholder acquired the shares with the intention of benefiting from their dividends and not for trading, then there is no zakat on the principal of the share itself. Rather, zakat becomes due on the dividends after a full year (hawl) has passed.

If the shareholder acquired the shares with the intention of trading, he should pay zakat on them as trade goods. When a full year passes, he should pay zakat on their market value at a rate of 2.5% of the value and profit.

If you did not receive any dividends or received a small profit and spent it before a full year passed, then there is no zakat due on you. However, if you participated with the intention of trading, then zakat must be paid annually on the market value of the shares, and it is permissible to pay the obligatory zakat from any other funds.

Whoever is obligated to pay zakat and does not have cash liquidity may delay paying zakat until he obtains cash, or pay it in installments. He is not required to incur debt.