Ana halatta ga zimmiyyai da Musulmi su gudanar da cinikayya ta sayarwa, saye, haya, hadin kai, jingina da sauran mu'amaloli ba tare da bambanci tsakaninsu da Musulmi ba. Manzon Allah ﷺ ya yi ciniki da mutanen Khaibar, kuma su Yahudawa ne, a kan rabin abin da ƙasar ta fitar, bisa sharadin cewa su yi aiki da dukiyarsu da jikinsu. Manzon Allah ﷺ ya sayi abinci daga wani Bayahude na Madina, ya kuma ba shi makamansa a matsayin jingina, sannan ya aika wa wani Bayahude yana neman tufafi biyu daga gare shi har zuwa lokacin samun sauki. Duk wannan hujja ce a kan halascin dukkan mu'amaloli da ake yi da zimmiyyai, sai dai idan mu'amalar ta shafi haya, saye da sayarwa ko jingina, to wajibi ne a aiwatar da dokokin Musulunci kadai; ba a halatta a yi mu'amala da wasu ba sai da su. Ta haka ne 'yan zimmi na Daular Musulunci suke kamar sauran 'yan kasa. Suna da hakkin zama 'yan kasa, da kariya, da tabbatar da rayukansu, da kyautatawa, da tausasawa. A kansu ne su shiga cikin rundunar Musulmi su yi yaki tare da su, amma yaki ba wajibi ba ne a kansu. Suna da adalci kamar Musulmi, kuma a kansu ne abin da ke kan Musulmi na daidaito. Limamin Musulmi da alkali suna kula da al'amuransu, idan ana aiwatar da mu'amaloli da hukunce-hukunce, kamar yadda ake kallon Musulmi ba tare da bambanci ba, don haka adalci wajibi ne a kansu kamar yadda yake wajibi ga Musulmi.
It is allowed to occur between the dhimmis and Muslims the transactions of buying, selling, renting, partnership, pledge etc. without distinction between them and the Muslims. The Messenger of Allah (saw) conducted business with the people of Khayber, and they were Jews, upon half of what is produced from the land upon condition that they work it with their wealth and bodies. The Messenger (saw) bought food from a Jew of Madinah and pledged to him his armour, and he sent to a Jew requiring two garments from him until a time of ease. All this is evidence upon the permissibility of all transactions occurring with dhimmis except when they are dealt with transaction related to renting, buying, and selling or pledging it is obligatory that the Islamic rules alone be implemented; it is absolutely not allowed to deal with other than them. In this way are the dhimmi citizens of the Islamic State like the rest of the citizens. For them is the right of citizenship, protection, guaranteeing their life, treating them well, kindness and softly. Upon them is to participate in the Muslims’ army and fight together with them but fighting is not obligatory upon them. For them is justice as for Muslims, and upon them is what is upon them as equity. They are considered by the Imam and judge in taking care of their affairs and when implementing the transactions and punishments just like the Muslims are looked upon without any distinction so justice is obligatory for them as it is obligatory for Muslims.
Game da abin da ya zo game da alkawarin Umar da su da kuma sharuɗɗan da ya sanya musu, sun yi sulhu bisa waɗannan alkawura da waɗannan sharuɗɗa, kuma an saka waɗannan sharuɗɗa cikin yarjejeniyar sulhun, kuma sun yarda da su. Saboda haka ya wajaba a aiwatar da yarjejeniyar yadda take. Amma idan alkawarin sulhu da su bai ƙunshi takamaiman ma'amaloli da ke bayyana takamaiman al'amura ba, to ba a halatta mu’amala da su ba sai kamar yadda ake mu’amala da Musulmi, ko kuma sai dai abin da nassi ya zo game da bambanta mu’amalarsu da ta Musulmi, kamar haramcin su auri matan Musulmi. Shaidar cewa abin da Umar ya yi ya dogara ne ga abin da alkawarinsa ya ƙunsa, shi ne abin da Umar da kansa ya yi game da harajin ciniki. Ya karɓi kashi ɗaya bisa huɗu na ushr (2.5%) daga Musulmi, kuma rabin ushr daga zimmawa, duk da cewa hukuncin Shari'a shi ne ba a karɓar komai daga Musulmi ko zimmi a matsayin haraji kan kasuwancinsa. Daga Abu Al-Khayr, wanda ya ce: Na ji Ruwayfi bin Thabit yana cewa: Na ji Manzon Allah ﷺ yana cewa:
As for what came about Umar’s pledge with them and his imposing conditions upon them, they made truce upon these pledges and these conditions were inserted in the truce and they were pleased with them. So it was compulsory to execute the covenant as it was. Whereas if the truce pledge with them does not include specific transactions stating specific matters, then it is not allowed to deal with them except as Muslims or deal with except for what the text came regarding treating them differently to what Muslims are dealt with such as the non-permissibility of their marrying Muslim women. The evidence that what Umar did was based upon what his pledge included is what Umar himself did in the tax on trade. He (ra) took quarter-tithe (2.5%) from Muslims and half-tithe from the dhimmis even though the Shari’ah rule is that nothing is taken from the Muslim or dhimmi as tax on his business. From Abu Al-Khayr who said: I heard Ruwayfi bin Thabit saying: I heard the Messenger of Allah (saw) saying: