FatwaTerengganuHajj & Umrah
Mengapakah umat Islam di Malaysia dituntut untuk menyimpan di Tabung Haji berbanding berhutang bagi menunaikan ibadah haji? - Jabatan Mufti Negeri Terengganu
Why are Muslims in Malaysia encouraged to save with Tabung Haji rather than take on debt to perform the hajj?
Short answer
Hajj is obligatory only for those who meet istita‘ah, meaning physical and financial capability without compromising basic needs and the maintenance of dependants.
A reference, not a fatwa. First sentence of the summary below — read the original fatwa and consult your state authority before acting.
- Authority
- Terengganu State Mufti Department
- Date
- Status
- Opinion (irsyad)
- Series
- Soal Jawab Agama: Haji
- Topic
- Hajj & Umrah
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Hajj is obligatory only for those who meet istita‘ah, meaning physical and financial capability without compromising basic needs and the maintenance of dependants. A person is not required to borrow merely to perform hajj, so consistent saving through Tabung Haji is encouraged. Borrowing is not absolutely forbidden and may be permitted if the person has a strong income, can repay without affecting family maintenance, and the financing is free from riba.
Written in our own words from the original fatwa — check the source before acting on it.
Walau bagaimanapun, berhutang bagi menunaikan haji bukanlah haram secara mutlak.
Read the full fatwa on the Terengganu website (new tab)
How to cite
Cite the original fatwa and its authority. Rujuk Fatwa is only where you found it.
Terengganu State Mufti Department. “Mengapakah umat Islam di Malaysia dituntut untuk menyimpan di Tabung Haji berbanding berhutang bagi menunaikan ibadah haji? - Jabatan Mufti Negeri Terengganu”, 6 October 2026. https://mufti.terengganu.gov.my/bahagian-suk/soal-jawab-agama/bab-haji/304-mengapakah-umat-islam-di-malaysia-dituntut-untuk-menyimpan-di-tabung-haji-berbanding-berhutang-bagi-menunaikan-ibadah-haji. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/saving-tabung-haji-instead-of-debt-hajj/