ANSWER:  No, you must not. Zakat should be given to poor and needy Muslims in cash. Such people will be encouraged to take more loans depending that the likes of you will give them zakat. 

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ANSWER: If they’re still in your name, you must sell them off and take only the money that you got it for and give away anything extra if you get, to the poor muslims.  You should not let your mum keep them as they’re on your name and the sin will be on you. 

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ANSWER: Zakat is given to a poor or needy Muslim in the form of cash. If your maid is classified as poor or needy, you can give them from your zakat, however, you must not assist them with paying any interest based loans.

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ANSWER: No problem.  However you must not repeat Witr after your tahajjud as there’s only one witr per night. 

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