How is the obligatory Zakat calculated for a woman who has the following assets: 1. Funds deposited in a bank account in Morocco, amounting to 210,0 Moroccan Dirhams, collected for the purpose of purchasing apartments for residence, from which amounts were withdrawn when needed and then replenished? 2. Down payments she made for the purchase of 3 apartments in Morocco (210,0 Dirhams for two apartments, and 40,0 Dirhams for a third apartment), the delivery date of which has not yet been determined, with installments still outstanding? 3. An interest-based loan for the residential house in which she purchased her ex-husband's share and assumed his debt? 4. A debt owed to her by her sister (37,0 Dirhams) which could not be repaid and which she no longer demands? 5. An amount invested in a commercial partnership (35,0 Euros) that has not yet yielded profits? 6. A dowry she received and used to support her commercial project? 7. Gifted gold, of which she does not know the value or weight? 8. Her inheritance share of her father's land, on which a property was built, and she does not know its value or rental income? Taking into consideration that her current income barely covers her obligations and her children's expenses, and she has financial arrears?

Overdue Zakat (definition) must be paid immediately and is calculated at 2.5% of the wealth that has reached the nisab (definition). The majority of scholars permit deducting debt from Zakat, unlike the Shafi‘i madhhab (definition) and the more cautious opinion. The fatwa (definition) given according to the Maliki madhhab allows deduction unless there are other surplus funds. The questioner and her husband must repent from taking out a usurious loan. Purchasing the house by repaying the usurious debt is a mistake that necessitates repentance. The contract for the apartments, with an unspecified date of delivery, is void due to the lack of a defined term. There is no Zakat on a loan that has not been collected until it is collected. Once collected, Zakat is due for past years, or for one year after collection, or a new hawl (Zakat year) can be initiated for it. There is no Zakat on the mahr (dowry) that has been renounced. Zakat is due on the portion not renounced if it reaches the nisab and a hawl has passed over it. Gold prepared for wearing and adornment is not subject to Zakat according to the majority of scholars, though some obligate Zakat on it, which is more cautious. The grandfather and grandmother renouncing their share of the inheritance is a valid gift (hiba) if it occurred while they were in good health and was taken possession of; otherwise, it is not valid. The issue of the mother building the apartment building with mixed funds must be presented directly to the Sharia (definition) court or scholars due to its complexity.