ACHIEVE THE DREAM OF WORSHIPING HAJJ WITH SHARIA HAJJ SAVINGS

Going to the holy land to perform the Hajj is one of the obligatory services for Muslims who can afford it. In realizing the implementation of the Hajj, of course, the support of the availability of funds is not small, for that one of the efforts that you can do to meet these financial needs is to save. One of the Sharia Banking products that can help you in realizing your dream of performing the Hajj is the Sharia Hajj Savings.

The contracts used in the Sharia Hajj Savings include mudharabah mutlaqah contracts and wadiah contracts. The definition of a mudharabah mutlaqah contract is capital participation by sharing results and sharing risks for investment in general while a wadiah contract is a deposit that is guaranteed security in return but without receiving rewards or profits. The cost of performing the Hajj itself is not cheap, for information that in 2020, the Indonesian government has set a Hajj Travel Expense (BPIH) of IDR 35,200,000. The minimum amount of funds that must be available in the Sharia Hajj Savings account is IDR 25,000,000 because this fund is one of the regular Hajj requirements for initial BPIH deposits to the account of the Minister of Religion. That way, you will also get the certainty of leaving or the number of the portion of Hajj.

Sharia Hajj Savings has many incentives and benefits for customers. Several Islamic banks provide light initial deposit requirements, and monthly deposits can also be adjusted according to the customer's financial capabilities. This product also has a system that has been coordinated online with the Integrated Hajj Computerized System (SISKOHAT) of the Ministry of Religion which is in the same Province as the customer's domicile. In addition, this product also does not charge administration fees and several Islamic banks have included life insurance for Syariah Hajj Savings customers. Through the ownership of Sharia Hajj Savings, you will be helped to discipline yourself in setting aside income and helping to keep administration in order.

The main purpose of the Sharia Hajj Savings is to collect funds to get a departure portion number, after which the customer can continue to save every month so that they can reach a nominal amount sufficient to meet the expenses of the pilgrimage on the D day of departure. Efforts to save for the Hajj look simple, but sometimes there are many challenges faced in making it happen. Here are some tips to start saving with Hajj Sharia Savings.

Make the intention to worship as the main motivation for saving, so you have a strong foundation so that saving will feel light.

Consistency in saving is very important, this is also an effort to have financial discipline.

Increase business and performance to earn more income or additional funds that can be used for savings.

Reduce unnecessary spending items and switch to saving.