FatwaFederal TerritoriesHajj & Umrah
BAYAN LI AL-HAJ #SIRI 11: HUKUM BERHUTANG UNTUK MENUNAIKAN IBADAH HAJI
Is it permissible to perform Hajj using financing or a loan from a financial institution?
Short answer
Performing Hajj through financing or a loan from a financial institution is permissible, subject to conditions.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Federal Territories Mufti Office
- Date
- Status
- Opinion (irsyad)
- Series
- Bayan Li al-Haj
- Topic
- Hajj & Umrah
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Performing Hajj through financing or a loan from a financial institution is permissible, subject to conditions. The loan must be free of riba, and the borrower must have income exceeding the needs of themselves and their dependants so that the debt and Hajj expenses can be covered. The loan must also be taken solely to hasten the fulfilment of God's command, and this route is only for those confident of repaying it after returning from the Holy Land. Whoever's income barely covers daily living is not obliged to perform Hajj, even if a loan is taken.
Written in our own words from the original fatwa — check the source before acting on it.
hukum melaksanakan ibadah haji melalui pembiayaan atau pinjaman institusi kewangan adalah dibolehkan dan diharuskan.
Read the full fatwa on the Federal Territories website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Federal Territories Mufti Office. “BAYAN LI AL-HAJ #SIRI 11: HUKUM BERHUTANG UNTUK MENUNAIKAN IBADAH HAJI”, 10 August 2017. https://muftiwp.gov.my/ms/artikel/bayan-li-al-haj/715-bayan-li-al-haj-siri-11-hukum-berhutang-untuk-menunaikan-ibadah-haji. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/ruling-on-taking-loan-to-perform-hajj/