A:
The Hawl starts from the day the amount reaches the Nisab; not from the day that a person had any sum of money or commercial commodities less than the Nisab. In the example mentioned, the Hawl does not start from the day of beginning to raise the money, but rather from the day when the Nisab was reached. The value of the commercial commodities is calculated after a Hawl has passed.May Allah grant us success. May peace and blessings be upon our Prophet Muhammad, his family, and Companions.