Should Zakat be Given to a Creditor on Behalf of a Debtor?

Yes, Zakat can be given directly to a creditor on behalf of a debtor, provided the debtor acknowledges it.

Here’s how this process works:

• Not Necessary to Hand It to the Debtor: The Zakat does not have to be physically given to the debtor. Instead, it can be used to clear their debt.
• Direct Payment to the Creditor: The amount can be transferred directly to the creditor, ensuring the funds are used for debt repayment.
• Debtor’s Acknowledgment is Essential: The debtor should acknowledge the debt and agree to this arrangement before making the payment. This confirms their eligibility for Zakat.
• Maintaining Ownership Requirement: According to Islamic teachings, Zakat must reach the recipient in a way that establishes their ownership, even momentarily. If the debtor consents, this condition is considered fulfilled.
• Fulfilling the Purpose of Zakat: The essence of Zakat is to relieve financial hardship. Helping someone pay off their debt in this manner aligns with its purpose.

By following these guidelines, one can responsibly use Zakat to assist those struggling with debt while ensuring compliance with Islamic principles.

And Allah knows best!