Q: Can you please advise the correct procedure for calculating Zakaat in the following situations?

1. Murabaha Car Loan From Albaraka Bank

2. Musharaka House Loan From Albaraka Bank for Investment Purposes

3. Musharaka House Loan From Albaraka Bank for Personal Use

Is the total outstanding loan deducted, the loan for the year deducted or the loan for the month?

And do you first calculate how much of the property you own according to the Albaraka property share and pay zakaat on that portion only?

Q: I would like to find out that during the 5 days of Hajj, is it compulsory for women to cover the face since no clothing or cloth may touch the face. I have heard from several people that it is compulsory to cover the face even if the cloth touches the face and it would be compulsory to pay a separate amount of dumm specifically for this. Is this view correct and if so, what amount should one pay?

Q: By the time of Ramadhaan when my zakaat becomes payable I will still have in my possession the money for the flights, qurbaani and spending money, none of which will have been in my possession for longer than one year, will zakaat be payable on all these monies in my possession? I have always been under the impression that zakaat is only payable if the money, jewellery, etc., is in your possession for at least one year at the designated date that one would normally pay zakaat. However, I was recently told that it would be payable if it is in your possession as at that date irrespective of the period or when it was received.

Q: Is it permissible to partake in "salaami" standing up and recting naaths in the praise of Nabi (saw)?

Q: Is medical aid and hospital plan permissible? Also, Is insurance permissible in South Africa?

Q: If one is not certain of the day that he turned baaligh and years have passed. He paid zakaat for some years but does not know exactly how many years he missed. What should he do?

Q: Can one give money with the intention of zakaat for the upcoming years due to urgent needs of our relatives. Moreover, we will deduct the same by next year with the available amount.

Q: I have given a loan to my cousin and he promised to pay me back in two months time. His financial condition is not good and he will pay late. Can I adjust it through my Zakaat money, by asking him not to pay back?

Q: Some organizations are issuing vouchers to the effect that the recipients of Zakaat can purchase groceries to the value of an x amount (e.g. R 200) from certain shops/supermarkets. Is it permissible for these organizations to sell these vouchers at par value (exact amount on the vouchers) to third parties who wish to distribute their own Zakaat to needy recipients themselves?

Q: I have a question about investing money in the Bank. Few banks are offering me to open a monthly saving account. They are promising me a profit of 11.5% every month for investing with them. I will be receiving this amount without losing my investment. Is this permissible in Islam?