And whoever believes that there is no zakat due on it as long as it is with the debtor, he believes that a person only has what he strives for, and he does not have money in his hand with which he strives with good. Rather, the best thing for him is that he generously provided for the debtor with what he gave him of money, so this particular act took the place of zakat, so he was needless to pay zakat on him. A greater good is the one who bestows blessings upon the servants of God. The scholars have determined that what is meant by zakat is to fulfill the character. The one who takes the debt would not have taken it if he did not need it, and the one who gives it to him has blocked that characteristic from him. So it is similar to zakat in this respect. This is the consideration of one who does not see zakat on it until he receives it and the next year has passed with it. From the day he received it