FatwaSelangorHajj & Umrah
#124 Taudhih Al-Hukmi : Keutamaan Menabung Berbanding Mengambil Pembiayaan Di Bank Untuk Menunaikan Haji
Is saving preferable to taking bank financing in order to perform Hajj?
Short answer
This article explains that saving gradually for Hajj is the more suitable approach and accords with the maqasid of the Shariah concerning istito‘ah (capability).
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Selangor State Mufti Department
- Date
- Status
- Opinion (irsyad)
- Series
- Taudhih Al-Hukmi (artikel penjelasan, bukan pendirian rasmi Mufti Selangor)
- Topic
- Hajj & Umrah
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
This article explains that saving gradually for Hajj is the more suitable approach and accords with the maqasid of the Shariah concerning istito‘ah (capability). Borrowing for Hajj is permitted in certain situations and subject to conditions, but a person is not obliged to borrow in order to perform Hajj. Repaying debt counts as a basic need that takes priority over Hajj, and bank financing creates monthly instalment commitments that should be weighed before deciding.
Written in our own words from the original fatwa — check the source before acting on it.
Cara yang sesuai dan menepati maqasid al-syariah berkaitan istito'ah ialah dengan cara menabung atau menyimpan untuk persediaan haji.
Read the full fatwa on the Selangor website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Selangor State Mufti Department. “#124 Taudhih Al-Hukmi : Keutamaan Menabung Berbanding Mengambil Pembiayaan Di Bank Untuk Menunaikan Haji”, 2 September 2026. https://www.muftiselangor.gov.my/2026/09/02/124-taudhih-al-hukmi-keutamaan-menabung-berbanding-mengambil-pembiayaan-di-bank-untuk-menunaikan-haji/. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/saving-preferable-to-bank-financing-for-hajj/