Hajj Advance Financing : Challenges of Pilgrim Compliance and Sharia Conformity

Muhammad Irham Ghifari; Suryani; Fajri Ali

Authors

Muhammad Irham Ghifari UIN Sulthan Maulana Hasanuddin Banten
Suryani UIN Sulthan Maulana Hasanuddin Banten
Fajri Ali Universitas Islam Indonesia

Keywords:

Hajj Financing, Pilgrims Compliance, Sharia Compliance, Islamic Economics, Hajj Management

Abstract

Hajj financing is one of the products offered by Islamic financial institutions in Indonesia, aimed at helping Muslims secure a pilgrimage quota more quickly. However, this practice is not without challenges, as it raises issues of dual compliance: pilgrims’ adherence to their financial obligations and conformity with Sharia principles in contract implementation. While most existing studies have primarily focused on contractual aspects and financial risks, research that integrates both pilgrim compliance and Sharia compliance remains limited. This study seeks to address that gap. Using a descriptive qualitative method, the research employs a literature review as well as an analysis of fatwas and regulations. The findings reveal that although Hajj financing offers short-term benefits for pilgrims, particularly in obtaining a Hajj quota, it also presents challenges in terms of Sharia compliance, especially with regard to contract structures, social justice, and the potential for moral hazard. This study contributes to the discourse on strengthening the resilience of Hajj management in Indonesia amidst global economic uncertainty.

Keywords: Hajj Financing; Pilgrims Compliance; Sharia Compliance, Islamic Economics, Hajj Management.

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