Firman Allah S.W.T yang bermaksud
"Ambillah (sebahagian) daripada harta mereka menjadi sedekah (zakat) supaya denganya engkau membersihkan mereka (daripada dosa) dan menyucikan mereka (dari akhlak yang buruk)."
(Maksud sebahagian surah at-Taubah : ayat 103)
Pengiraan Zakat emas (diambil dari lembaga Zakat Selangor)
Zakat emas dikira dalam dua keadaan.
1. Emas Perhiasan Wanita - emas perhiasan wanita ialah emas yang dibeli atau digunakan sebagai perhiasan di badan.LZS mengambil kira kadar uruf emas (nilai pemakaian setempat yang dibenarkan) bagi pemakai perhiasan tersebut. Jika kadar pemakaian itu tidak mecapai kadar uruf, maka tidak wajiblah membayar zakat emas perhiasan tersebut. Kadar uruf emas di negeri Selangor sebanyak 800 gram.
rumus pengiraan
(Timbangan emas x harga semasa x 2.5% = zakat emas)
contoh pengiraan :
Salmah ada rantai emas dengan berat 900 gram. berapakah zakat emas yang perlu dia bayar ?
Berat emas = 900 gram
harga semasa = RM 150 / gram bagi emas 916
900g x RM 150 x 2.5% = RM 3375
zakat emas yang perlu dibayar oleh Salmah Sebanyak RM 3375
2. Emas Yang Disimpan - bermaksud emas yang selain daripada perhiasan wanita yang dipakai di badan sama ada dalam bentuk mata wang, simpanan, galian, peralatan rumah dan sebagainya. Ia dikenakan zakat sebanyak 2.5% daripada jumlah yang ada sekiranya kadar yang dimiliki itu sama atau melebihi nisabnya iaitu 85 gram. ia tidak sama dengan emas perhiasan yang dipakai (perkara 1). Nisab emas yang disimpan ialah sebanyak 85 gram.
(Timbangan emas x harga semasa x 2.5% = zakat emas)
Contoh pengiraan :
Ahmad Memulakan pelaburan emas fizikal nya dengan berat 300g . selepas setahun pelaburan emas beliau telah bertambah dan sekarang berat emas beliau telah menjadi 350g. jadi berapa zakat emas yang perlu dibayar oleh beliau ?
haul (cukup masa) = 1 tahun
jadi emas yang kena zakat ialah emas semasa yang beliau ada iaitu sebanyak 350 g.
harga semasa RM 165 / gram bagi 999.9
350g x RM 165 x 2.5% = RM 1444
zakat emas yang perlu dibayar oleh Ahmad sebanyak RM 1444
Zakat emas akan dikenakan kalau dah cukup nisab dan Haul
bagi Negeri Selangor Nisab seperti yang tertera diatas. Haul pula selama 1 tahun. Kalau boleh ikut lah Kalender Islam sebagai pengiraan zakat anda.
Katakan Emas dalam pegangan anda seperti berikut :
Tahun Hijrah 1432
1.Muharram - 50 gram
2. Safar - 60 gram
3. Rabiul Awal -100 gram
4. Rabiul Akhir - 120 gram
5. Jamadil Awal - 140 gram
6. Jamadil Akhir - 160 gram
7. Rejab - 180 gram
8. Syaaban - 200 gram
9. Ramadhan -220 gram (jual 70gram nak pakai untuk raya)
10. Syawal - 150 gram
11. Zulkaedah - 150 gram
12. Zulhijjah - 160 gram
Tahun Hijrah 1433
13. Muharram - 170 gram
14. Safar - 170 gram
15. Rabiul Awal - 200gram
Jadi jika lihat pada keadaan diatas ,
1.Dari bulan Muharam ke bulan Muharam tahun depan nyer, anda tidak wajib zakat, kerana dalam 1 tahun tu. emas anda ada 50 gram je,(kurang dari nisab 80 gram).Bulan safar juga begitu sebab tak cukup nisab lagi untuk berzakat.
2. Cuba lihat pada bulan Rabiul awal 1432 hijrah anda dah start ada 100gram dan dah cukup nisab untuk berzakat. jadi apabila cukup 1 tahun (Rabiul Awal 1433) penambahan bagi emas tersebut dalam tempoh itu, ianya dikira ke atas keseluruhan berat emas simpanan anda. Merujuk kepada pembelian emas anda, anda perlu zakat kan ke atas keseluruhan emas tuan iaitu 200gram kerana nisab tuan telah bermula pada bulan Rabiul Awal dan ada penambahan berat emas sepanjang tempoh tersebut.
Zakat Emas Pajakan
Ingat Emas didalam PAJAKAN juga boleh perlu dibayar zakat, Saya bertanya sendiri kepada staff pusat zakat selangor.
Syaratnya tambahan Emas anda itu memang 100% milik anda.
Bagaimana Kiraan bayaran zakat didalam pajakan.
Baik. katakan anda mempunyai emas goldbar 100g dan anda membuat pajakan di agro bank dengan membuat pinjaman 70 : 30. Mean anda membuat pinjaman bank sebanyak 70% daripada nilai marhun emas anda.
jadi 70% emas anda menjadi pegangan bank manakala 30% masih lagi pegangan anda walaupun emas itu berada didalam pajakan bank.
maka 30% daripada emas 100gram tadi WAJIB anda tunaikan zakatnya. dan calculation sama seperti emas yang disimpan
Anda juga meminati
16 comments:
EMAS PERHIASAN WANITA.
Terdapat sedikit kesilapan dalam pengiraan tuan.
Pengiraan sepatutnya tidak termasuk nilai uruf dimana nilai uruf tidak dikira.
Berat emas = 900 gram
Uruf setempat = 800 gram
harga semasa = RM 150 / gram bagi emas 916
(900g - 800g)x RM 150 x 2.5% = RM 375
zakat emas yang perlu dibayar oleh Salmah Sebanyak RM 375
Jika saya silap, maafkan saya......
pengiraan itu saya ambil daripada Lembaga Zakat Selangor. dan ia memang sebegitu.
kalau tidak percaya boleh klik link bawah
http://www.e-zakat.com.my/terkini/di-selangor-dikemas-kini/
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