Receiving a gift when being paid back a loan

Q: I loaned a certain person an amount of R10 000 to be repaid after one year. When one year elapsed, the person repaid my loan and also presented a small gift to me (a box of chocolates) as a token of appreciation. I was neither expecting this gift, nor was it stipulated, at the time of the loan, that he would give me this gift. Is it permissible for me to accept it, or will it be regarded as interest?

Indexation

Q: Is indexation considered as riba? There are 2 methods to go to university

1. Paying upfront

2. Student loan (i know this is haram already but i just want to know about the 1st option whether it is actually halal because only a minority of Islamic scholars talk about this issue of inflation causing the prices to rise).

Zakaat on savings

Q: My question is related to zakat. If a divorced women with one dependant child is not working, and has a saving for her daughter's university education, does zakat apply on that amount of savings? Is this woman, who has no support, liable to pay zakat?

Getting money from ads on one's articles

Q: I write health related article for websites and they give me money according to my articles quality, articles views and for those whose ads are visible on my articles. But sometimes there are advertisements for Shopping Sites on my articles, and sometimes there are advertisements for any entertainment ads. I want to know if the money from these article are halaal or haram because sometimes there are entertainment ads on my articles