Girl consenting to marriage

Q: A girl is not a virgin and was married previously. This is her second marriage.

When talking about her marriage with mother, the girl said something that her mother understands that her daughter wants to marry. Her father then performed her nikaah without the daughter present. A few days after nikaah, the boy and girl engaged in sexual intercourse. Is this ok?

Zakaat on money loaned to people

Q: I am a married woman. I work from home giving extra lessons. I have loaned most of my savings money to family members. (interest free)

Do I need to pay zakaat on this money that I have loaned them?

Since I do not have much savings left; if I cannot afford the zakaat amount; will I have to sell my jewellery from my mother and my wedding jewellery to pay it?

Halaalah

Q: Nowadays, there are many arguments about three talaaqs and halaalah. The problem is that most people do not have the correct understanding about three talaaqs and halaalah. Can you please enlighten us in this regard?