Qarz-e-Hasana From The Zakat
You are providing something obvious. Someone is asking for assistance which is not possible unless I give him from the Zakat money. Once he pays me back it will be distributed among the institutions that collect Zakat. This way with same funds a person gets financial support in short term as well as the institutions
I can only help you with the understanding of God’s laws. Since we have been asked not to play with these laws, I apologize that I can’t provide you with anything better. If you don’t have enough money and think that the need of a person is immediate but temporary, you might be able to make an ijtihad to loan him the money now and delay your zakat for a later time. Please understand that in that case your zakat will still be due upon you even if the person doesn’t return the money to you.