FatwaNationalHajj & Umrah
Hukum Skim Pinjaman Wang Daripada Koperasi Dan Seumpamanya Untuk Menunaikan Fardu Haji Atau Umrah
Is it permissible to take a loan from a cooperative scheme to perform the Hajj or Umrah?
Short answer
The 69th Muzakarah of the National Fatwa Committee in 2005 ruled that borrowing to perform Hajj or Umrah is permissible.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- National Fatwa Committee (JAKIM)
- Date
- Status
- Fatwa committee decision
- Series
- Kompilasi Pandangan Hukum Muzakarah Jawatankuasa Fatwa MKI (JAKIM, terbitan 2016)
- Topic
- Hajj & Umrah
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
The 69th Muzakarah of the National Fatwa Committee in 2005 ruled that borrowing to perform Hajj or Umrah is permissible. The borrower must be confident of being able to repay the debt, and the debt must not disrupt their normal livelihood. The loan scheme must be run by a body or cooperative that upholds sincerity, mutual assistance, fairness and transparency, and is free from riba.
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 sekiranya diyakini mampu membayar balik hutang tersebut dan ia tidak menjejaskan kehidupan normalnya;
Read the full fatwa on the National website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
National Fatwa Committee (JAKIM). “Hukum Skim Pinjaman Wang Daripada Koperasi Dan Seumpamanya Untuk Menunaikan Fardu Haji Atau Umrah”, 15 June 2005. https://www.islam.gov.my/images/ePenerbitan/KOMPILASI_MUZAKARAH_MKI_2016.pdf#hukum-skim-pinjaman-wang-daripada-koperasi-dan-seumpamanya-untuk-menunaikan-fardu-haji-atau-umrah. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/loan-from-cooperative-for-hajj-umrah/