Wife having the right to see her children after divorce

Q:

1. My husband and I have been separated since 25 April 2019. I am currently living with my sister and her family. I left my home because my husband abused me badly, this is not the first time that he had lifted his hands. I stayed in the marriage for 5 years whereby I went through physical and verbal abuse to the extent that I was even scared to ask to go and see my 2 boys from my previous marriage. He has a very bad temper, thinks that my family is influencing me and swears my family. I have been supporting him all these years and still am to keep a roof over his head.

In the last 2 months I have spent time with my boys more than I ever did in the 5 years of being married to my current husband. I would like to know my rights as still being married going to see my children as they live with their father? I know that their father is now a non-mahram to me.

2. My current husband does not want to give me my talaaqs. He is prepared to only give one and take his time with the others. I feel so stuck and torn between my family, my boys and my current husband. I dont know what to do. I want to do the things the proper way.

Selling fake designer glasses frames

Q: Please advise on the following:

A Muslim optometrist is having a problem with unqualified people smuggling fake designer frames into the country. These people send their customers to professional optometrists for eye tests and they ask for a script. Then they have their glasses made at a reduced cost by the "pirate" dealer.

Is it Islamically correct to have these types of crooks reported to the authorities? Some are Muslims and some are Non-Muslims.

Zakaat on loans

Q: As an employee, I am facilitated to take 3 types of loan from my employer.

Loan type 01:

This loan is termed as 'Salary Advance'. In case of emergency, the employee can take a loan from the employer to a maximum of 6 times his basic salary. The lent amount will be deducted from the monthly salary in 12 installments. If the employee leaves the job before the settlement of the loan, then the left amount will be deducted from the gratuity scheme, provident fund, etc.

Loan type 02:

This loan is termed as 'Investment loan'. The employee will receive an amount every year on 1st of June from the employer/company to invest in some particular investment schemes to get tax rebate on yearly income received from the company. The lent amount will be deducted from the monthly salary in 12 installments. If the employee leaves the job before the settlement of the loan, then the left amount will be deducted from the gratuity scheme, provident fund, etc.

Loan type 03:

The employee can take a loan from the compulsory provident fund. The lent amount will have to be adjusted as per agreement with the company. If the employee leaves the job before the settlement of the loan, then the left amount will be deducted from the gratuity scheme, provident fund, etc.

My question is, with a view to calculating zakaat of these loans, how will the lent amounts be considered? Whether assets, liability or amaanat?