FatwaNegeri SembilanTransactions & Finance
Membuat pinjaman bagi menunaikan haji atau umrah
What is the ruling on taking a cooperative loan to perform hajj or umrah?
Short answer
It is permissible to take a loan from a cooperative 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
- Opinion (irsyad)
- Series
- Soal Jawab Agama
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
It is permissible to take a loan from a cooperative to perform hajj or umrah. This is conditional on the borrower being able to repay the debt without disrupting his 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. This was decided by the Negeri Sembilan Fatwa Committee on 20 April 2015.
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; dan
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. “Membuat pinjaman bagi menunaikan haji atau umrah”, date not stated. https://muftins.gov.my/soaljawab/membuat-pinjaman-bagi-menunaikan-haji-atau-umrah/. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-cooperative-loan-for-hajj-umrah/