How is zakat calculated for gold for a piece of jewelry (Chambira) of 12 carat, weighing 103 grams, with half its weight consisting of precious stones, and other pieces of 18 carat, weighing less than 85 grams, knowing that the Chambira is sold as a single piece and is valued at half its weight when sold?

According to the majority of scholars, zakat is not obligatory on jewelry prepared for personal use, and this is the prevailing fatwa. If the gold is 12-karat and weighs 103 grams, zakat is not obligatory on it alone because it does not reach the nisab (85 grams) of pure gold. Zakat is only obligatory on pure gold after deducting impurities. If you possess other gold, combine the pure gold from all of it (whether 12, 18, or other karats). If it reaches the nisab (85 grams), then give out one-quarter of one-tenth (2.5%) of it, or its value. The method for calculating the net weight is to multiply the grams by the karat and divide the result by 24, after deducting the weight of precious stones.