Both the Quran and Sunnah (tradition) clearly indicate the obligation of Zakah (purifying alms) on women's gold and silver jewelry even if it is kept for the purpose of wearing or lending. This includes necklaces, bracelets, rings or any gold or silverware when they reach the Nisaab (minimum taxable amount) every Hijri year, or when the owner has gold, silver or commercial commodities that reach the Nisaab. This is the preponderant opinion of scholars on this issue since it is supported by the Quran, Sunnah and reported narrations.

　　Evidence from the Quran includes: Allah The Almighty says (what means): {And those who hoard gold and silver and spend it not in the way of Allah - give them tidings of a painful punishment.The Day when it will be heated in the fire of Hell and seared therewith will be their foreheads, their flanks, and their backs, [it will be said], "This is what you hoarded for yourselves, so taste what you used to hoard."}[Quran 9:34-35]

　　Hoarding gold and silver means not giving Zakah or the other rights which are obligatory on them. The Quranic verse generally include all forms of gold and silver without differentiating between any of its kinds. Whoever claims that jewelry that is worn is excluded has to present his evidence.

　　As for the Sunnah:

　　· ‘Abullaah ibn Shaddaad ibn Al-Haad said, "We entered upon ‘Aa’ishah, may Allah be pleased with her, and she said, 'The Messenger of Allah entered upon me and I was wearing silver rings on my hand. He said: 'What is this, O ‘Aa’ishah?' I said,'I made them to adorn myself for you, O Messenger of Allah.' He said: 'Do you give their Zakah?' I said,'No.' He said: 'The punishment for them in Hell is enough for you.'”Sufyaan was asked how to give its Zakah, he said, "Add it to other items and then calculate their Zakah if they reach the Nisaab." [Abu Daawood and Al-Haakim: Saheeh]

　　· Any money on which Zakah becomes obligatory and Zakah is not given, is considered hoarded wealth that entails punishment.

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