Is it permissible to set aside money for the zakat of jewelry for the coming year to avoid selling a portion of it when unable to pay the full amount? Is it a condition to pay zakat in Ramadan, or is it permissible at any time if a Hawl (lunar year) has passed? Is it permissible to pay zakat in installments and distribute it among different people?

If the jewelry is for adornment, there is no zakat (definition) on it according to the majority of scholars, though it is more cautious to pay it. However, if it is hoarded or owned by a man, then zakat is obligatory on it. Zakat must be paid promptly once its conditions are met, and it is not permissible to delay it. Zakat is not tied to Ramadan (definition), but rather to the completion of the Islamic year (hawl), and it is permissible to pay it in advance. It is permissible to disburse the zakat to a single category of recipients or to distribute it.