If you ask them for the money every year and insist on getting it back and they apologize that they don’t have or refuse to give it back, there is no zakat on it until you receive it!

But if you are shy to ask, then you must pay zakat every single year.

I have given five hunderd thausand (500000)doller on loan to four(4) deffrint people i have been giving zakat for the last four years and still i am not sure when they are going return me the money or even i am not sure if they are going to give me all my money so now should i wait till i get money and then give ZAKAT or should i keep giving ZAKAT.