Is it permissible for two groups in one mosque or surau to take a loan in order to perform umrah?

Short answer

The answer states that umrah is an obligatory act of worship, required of those who are able once in a lifetime.

Negeri SembilanOpinion (irsyad)

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: Opinion (irsyad)
Series: Soal Jawab Agama
Topic: Hajj & Umrah

No evidence of gazettement in the source — this is not a gazetted fatwa.

Summary

The answer states that umrah is an obligatory act of worship, required of those who are able once in a lifetime. A person who makes a vow may be bound to perform it beyond that, according to the vow. The answer also says it is not encouraged to perform the act of worship, but the sentence is left incomplete and its link to taking a loan is not clearly stated.

Written in our own words from the original fatwa — check the source before acting on it.

Ibadah umrah adalah fardhu. Wajib dilakukan oleh mereka yg mampu sekali seumur hidup kecuali bernazar.

Excerpt from the original fatwa · Negeri Sembilan

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. “Umrah”, date not stated. https://muftins.gov.my/soaljawab/umrah/. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/loan-to-perform-umrah-mosque-groups/