Is zakat due on the lender or the borrower if a person borrows an amount that reaches the nisab and a hawl (lunar year) passes before its repayment?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
on wealth is obligatory for its owner. The lender pays zakat on the money he lent if the debtor is solvent and not procrastinating, because it is considered like a deposit. However, if the debtor is insolvent or procrastinating, the owner of the money pays zakat on this debt for one year upon its recovery. As for the debtor, if he has other wealth not subject to zakat that is sufficient to cover the debt, then zakat on the debt becomes obligatory for him; otherwise, it does not.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/33455
Where this answer came from
- Source platform
- Ftawy
- Original fatwa ID
- 33455
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy