FatwaFederal TerritoriesTransactions & Finance
LANGSAI PTPTN ATAU UMRAH: MANA LEBIH UTAMA?
Should I settle my PTPTN loan first, or can I use my savings to perform umrah?
Short answer
Debts are of two types: those that must be settled immediately and those that are deferred.
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
- Al-Kafi li al-Fatawi
- Topic
- Transactions & Finance
No evidence of gazettement in the source — this is not a gazetted fatwa.
Summary
Debts are of two types: those that must be settled immediately and those that are deferred. The PTPTN loan is regarded as a manageable debt repaid in monthly instalments, following Imam al-Nawawi in Kitab al-Idhah. It is therefore permissible to perform umrah while continuing to repay the loan, based on the maxim that combining two benefits is better than abandoning one of them.
Written in our own words from the original fatwa — check the source before acting on it.
Justeru, tidak masalah untuk mengerjakan umrah dalam masa yang sama membayar PTPTN.
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. “LANGSAI PTPTN ATAU UMRAH: MANA LEBIH UTAMA?”, 18 February 2016. https://muftiwp.gov.my/ms/artikel/al-kafi-li-al-fatawi/1692-langsai-ptptn-atau-umrah-mana-lebih-utama. Found via Rujuk Fatwa: https://rujukfatwa.com/en/fatwa/settle-ptptn-loan-or-perform-umrah/