Briefly describe the obligation of zakat payment for the following individuals (no calculation is needed):

a) Murni is a millionaire in beauty products. She has an extensive collection of gold jewelry. Her total gold jewelry is 800 grams, and she uses all the gold. Besides, she also owns 1 kilogram of gold bars kept in the bank

Mujahid owns a grocery store business (sole proprietor).

Mohamad, a senior engineer worked in one of the biggest engineering companies in Kuala Lumpur.

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