Zakaat given under the Pretext of a Gift or a Loan

If the person gave the wealth to the poor person under the pretext of a gift or a loan, but had the intention of discharging his zakaat, the zakaat will be discharged.

However, in the case where he gave the wealth under the pretext of a loan, it will be impermissible for him to take back the wealth from the poor person (as the wealth was not a loan but was zakaat). If he takes back the money from the poor person, he will be sinful. He should return the money to the same poor person under some pretext with the intention of zakaat.

If he wishes, he may give the money to any other poor Muslim with the intention of zakaat.