Question Summary:
Q no1: mera udhar ka karobar hai mujh pe zakat bunti hai. ( Do I have to give zakat on my loaning business? ) Q no1: (najeeb ullah) naam sahi hai ya (nazif ullah). ( Is najeebullah a good name? How about Nazif ulla?)

Question Detail:

Q no1:   mera udhar ka karobar hai mujh pe zakat bunti hai. ( Do I have to give zakat on my loaning business? )
Q no1:   (najeeb ullah) naam sahi hai ya (nazif ullah). ( Is najeebullah a good name? How about Nazif ulla?)

Answer :

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In the name of Allāh, Most Gracious, Most Merciful

Assalāmu ῾alaykum wa Rahmatullāhi Wabarakātuh
 
Usoolan woh qarzah jiskay milnay ki umeed ho us qarza ya udhaar kay wusool honay par uski zakat dayna laazim hogi. Jitney saalo may bhi wusool ho, un guzishtah tamaam saalo ki zakat dayna hogi.
Agar aik dam wusool na ho to kam az kam 40 dirham(nisab ka paanchwa hissah)wusool honay par utni miqdar ki zakat lazim hay aur guzishtah tamaam saalon ki zakat ki adaigi laazim hogi. Har saal ki zakat ada karnay k baad baqyah raqam par zakat laazim hogi.
(Fatawa Shami, Vol.2, Pg.305, Saeed)
(Fatawa Mahmoodiyyah, Vol.9, Pg.403, Farooqiah)
Najeeb ka matlab “shareef ya shareef khandaan” hay, jabkeh Nadheef (نظيف)  ka matlab “paak saaf” hay. Nazeef (نزيف) ka matlab kamzor hay. Is lihaaz say “Najeebullah” aur “Nadheefullah”(نظيف الله) dono acchay naam hain.
And Allāh Ta῾āla Knows Best
Wassalāmu ῾alaykum 
 
Ml. Abdur Rahman Shareef,
Student Dārul Iftā
 
Checked and Approved by:
Mufti Ebrahim Desai
Dārul Iftā, Madrasah In῾āmiyyah