FatwaNegeri SembilanTransactions & Finance
Skim Pinjaman Wang Daripada Koperasi dan Seumpamanya Untuk Tunaikan Fardhu Haji Atau Umrah
Is it permissible to take a cooperative loan scheme to perform the obligatory Hajj or Umrah?
Short answer
The fatwa rules that it is permissible for a person to borrow through a loan scheme in order to perform Hajj or Umrah.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Negeri Sembilan Mufti Department
- Status
- Fatwa committee decision
- Series
- Fatwa Negeri Sembilan
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
The fatwa rules that it is permissible for a person to borrow through a loan scheme in order to perform Hajj or Umrah. This applies if the person is able to repay the debt and it does not affect his normal livelihood. The scheme must be run by a body or cooperative that upholds sincerity, mutual cooperation, fairness and transparency, and is free from usury.
Written in our own words from the original fatwa — check the source before acting on it.
Adalah harus seseorang berhutang untuk menunaikan haji atau umrah daripada skim pinjaman wang sekiranya mampu membayar balik hutang tersebut dan ia tidak menjejaskan kehidupan normalnya
Read the full fatwa on the Negeri Sembilan website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Negeri Sembilan Mufti Department. “Skim Pinjaman Wang Daripada Koperasi dan Seumpamanya Untuk Tunaikan Fardhu Haji Atau Umrah”, date not stated. https://muftins.gov.my/fatwa/skim-pinjaman-wang-daripada-koperasi-dan-seumpamanya-untuk-tunaikan-fardhu-haji-atau-umrah/. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/cooperative-loan-for-hajj-or-umrah/