Wata hanyar mallakar dukiya kuma ita ce dukiyar da Gwamnati ke bai wa 'yan ƙasa daga dukiyoyin Bait ul-Mal domin biyan bukatunsu ko kuma domin amfanar al'umma ta hanyar mallakarsu. Dangane da biyan bukatunsu, Gwamnati tana ba su dukiyoyi da za su noma filaye da su ko kuma su biya basussukansu. 'Umar bin Al-Khattab ya ba da dukiyoyi daga Bait ul-Mal ga manoma a Iraƙi, wanda ta hanyarsa ya taimaka musu su shuka a wannan ƙasa da kuma biyan bukatunsu ba tare da an mayar masa da su ba. Shari'a ta sanya wa masu bashi haƙƙi a cikin dukiyar Zakka, wadda ake ba su daga cikinta don biyan basussukansu idan ba su iya biyan su ba. Allah (SWT) ya ce:

Another means of property ownership is that property which the State gives from the Bait ul-Mal properties to the citizens in order to meet their needs or to benefit the community by their ownership. With regard to the meeting of their needs, the State grants them properties with which they cultivate lands or repay their debts. ’Umar bin Al-Khattab gave properties from the Bait ul-Mal to the farmers in Iraq, by which He helped them to plant on this land and to meet their needs without being reimbursed from them. Shar’a made for the debtors a right in the Zakat property, from which they are given to repay their debts if they were unable to do so. Allah (swt) said: