ANSWER: You must give zakat on the gold which is above 85 grams of gold. You give 2.5% on any cash you have had in your possession for over one lunar year whether it is yours or it is a loan!  

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ANSWER: Yes if it reaches the nisab. https://youtu.be/iGjpG08SLWI  

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ANSWER: Because Allah mandated that zakat is due only on gold, silver and cash. If you are trading in them, there is zakat. 

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ANSWER: If they are Muslims, poor and needy, you can give them the zakat. If they are known kafir, you can’t give them zakat. 

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ANSWER: You must not take the money back, if you already took it return it back to him and tell him that you  forgive him and you don’t want the money.

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