Cara Menghitung Zakat Emas Perhiasan

>Hello Sohib EditorOnline, in this article we will discuss about how to calculate zakat for jewelry or gold. Zakat is one of the five pillars of Islam and it is compulsory for every Muslim who is financially capable. Zakat on gold or jewelry is calculated differently compared to other types of zakat. Let’s dive into the details.

Understanding Zakat

Zakat is the act of donating a portion of our wealth to those in need. It is mandatory for Muslims as a form of worship and purifies our wealth. Zakat is not a tax, but a way of fulfilling our religious obligations. It is calculated on the basis of our income and assets.

Jewelry or gold falls under the category of zakat on assets. It means that the value of the jewelry or gold is taken into consideration along with other assets such as cash, investments, property etc. The total value is then used to calculate the zakat payable.

Categorising Gold for Zakat

Before we start calculating the zakat for jewelry or gold, we need to categorize them based on their usage or purpose. There are two types of gold for zakat:

1. Gold for personal use or adornment (hiasan)
2. Gold that is being used as an investment or business (niaga)

It is important to distinguish between the two as they are calculated differently. Let’s take a closer look at each category.

Zakat on Personal Gold (Hiasan)

Gold jewelry that is intended for personal use or adornment such as rings, necklaces, bracelets, and other gold accessories fall under this category. Zakat on personal gold is only payable if its value reaches a certain minimum threshold or nisab.

The nisab for gold is determined based on the current market value of gold per gram. As of writing this article, the nisab for gold is 85 grams. If the total value of your personal gold exceeds the nisab value, then zakat is compulsory.

Let’s say the current market value of gold per gram is IDR 800,000. The nisab for gold would be IDR 68,000,000 (IDR 800,000 x 85). If the total value of your gold reaches IDR 68,000,000 or more, then zakat is payable.

Calculating Zakat on Personal Gold

The zakat payable on personal gold is equivalent to 2.5% of the total value of your gold that exceeds the nisab value. For example, if the total value of your personal gold is IDR 80,000,000, then the zakat payable would be:

(IDR 80,000,000 – IDR 68,000,000) x 2.5% = IDR 3,000,000

Therefore, the zakat payable on your personal gold would be IDR 3,000,000.

Zakat on Business Gold (Niaga)

If you own gold for business purposes such as buying and selling, then it falls under this category. The same minimum threshold or nisab applies here as well. If the total value of your business gold exceeds the nisab value, then zakat is payable.

Calculating Zakat on Business Gold

The zakat payable on business gold is equivalent to 2.5% of the total value of your gold. However, you can deduct any outstanding debts or liabilities from the value of your gold before calculating zakat. For example, let’s say the total value of your business gold is IDR 100,000,000 and you have an outstanding debt of IDR 20,000,000. The zakat payable would be:

(IDR 100,000,000 – IDR 20,000,000) x 2.5% = IDR 2,250,000

Therefore, the zakat payable on your business gold would be IDR 2,250,000.

FAQs

Conclusion

In summary, zakat on gold or jewelry is calculated based on the value of the asset and the minimum threshold or nisab. Personal gold and business gold are calculated differently and require certain deductions before zakat is payable. It is important to calculate zakat accurately and pay it on time as it is one of our religious obligations.

Cara Menghitung Zakat Emas Perhiasan