I only own the Nisab of gold and I have no other wealth, how will I pay my Zakat? If a woman only has gold the exact amount of the Nisab, and does not have any other wealth, what should she do? Is she obligated to sell her gold jewelry to pay her Zakat?
In the highly improbable case that a woman only owns the exact amount of Nisab of Gold and no other wealth what so ever, then yes she is obligated to sell a part of her gold to pay her Zakat.This includes Gold and Silver jewelry.
If she chooses to pay from her gold itself, then she can pay 2.125 grams in Zakat. This would automatically reduce the gold she owns to below the Nisab, and it would then not be liable for Zakat the following year it is remains the same.
If a relative, friend, or 3rd party pay it for her, that is acceptable. If they loan her the money to, and she pays them back, that is acceptable as well.
If like most women she has some other form of wealth (cash or otherwise) she can valuate that form of wealth and pay the value of her Zakat from that other form of wealth. For example, she can calculate her Zakat liability for the year, and start to pay off the Zakat early. So if the Nisab is 85 grams of gold and it equals $4838 USD this year, then 2.5% of that will be 120.95 USD, which she can pay off in 6 months by paying 20 dollars a month.
While some might say “But the gold has sentimental value” we should keep in mind that the pleasure of God is our utmost goal, and that this worldly life will fade away.
ما عِنْدَكُمْ يَنْفَدُ وَمَا عِنْدَ اللَّهِ بَاقٍ وَلَنَجْزِيَنَّ الَّذِينَ صَبَرُوا أَجْرَهُمْ بِأَحْسَنِ مَا كَانُوا يَعْمَلُونَ
What is with you will perish, and what is with God is eternal. We will reward those that were patient with the best of what they performed.
And Allah knows best.