The Umrah pilgrimage is a sacred journey awaited by many Muslims. Some choose to use a travel agency for convenience, while others prefer to plan everything independently for greater flexibility.
Why Choose Umrah with a Travel Agency?
Going on Umrah with a travel agency offers an unmatched sense of peace and ease. All logistical matters, from visas and plane tickets to accommodation and local transportation, are handled by professionals. You can focus on preparing yourself for worship without the hassle of worrying about technical details.
Choosing a travel agency can also be a wise decision, especially for those performing the Umrah for the first time. With a spiritual guide (mutawif) and a structured schedule, every step of your worship will be more directed and in accordance with the guidance of the sharia.
Peace in Planning and Preparation: Why Choose an Independent Umrah?
An independent Umrah offers more freedom. You can:
- Determine your departure date according to your personal schedule.
- Choose the airline and class of flight that suits your preference.
- Book accommodation that is close to the Masjidil Haram or Masjid Nabawi.
- Arrange your itinerary and trip duration as you wish.
All this freedom requires more detailed preparation, especially financially. However, that doesn't mean you don't need to plan your finances if you go with a travel agency. Whatever your choice, the key to achieving inner and outer peace during preparation is solid financial planning. With Bank Jago and Jago Syariah, you can make this sacred intention a reality in a smart and reassuring way.
How to Save for Umrah with Bank Jago/Jago Syariah
The Pocket feature in the Jago application is an easy and practical solution for collecting funds for Umrah. With this feature, you can allocate all of your Umrah needs into a single Pocket.
One Jago/Jago Syariah Pocket for all your Umrah needs
You can create one specific Pocket for Umrah. The Jago application offers Umrah Preparation Pocket that you can create directly. This option makes it easy to gather all your funds in one place, so it's simpler to monitor.
For those who choose an independent Umrah, even though all your funds are in one Pocket, you can still manually detail the allocation for each expense category. The method is to first list all your needs in a notebook or on your phone's notes application, such as:
- Plane Tickets: Fund allocation for tickets.
- Accommodation: Fund allocation for hotels.
- Visa & Documents: Fund allocation for passports, visas, and others.
- Pocket Money & Shopping: Fund allocation for personal needs and souvenirs.
- Emergency Needs: Fund allocation for unexpected costs.
This way, you can still see the allocation for each category clearly and feel at ease knowing that every rupiah you save has a purpose.
Meanwhile, if you choose an Umrah package with a travel agent, you already know the cost estimate that needs to be prepared.
Needs and Cost Simulation to be Prepared for an Independent Umrah Savings
For an independent Umrah, there are several main expense categories that need to be considered. The simulation discussed is for an independent Umrah because the financial planning for it requires more detailed calculations compared to a travel package, where the costs are determined beforehand.
Here are the details and cost simulation per person for an independent Umrah.
|
Independent Umrah Needs |
Details |
Cost Simulation (Estimate) |
|
Round-Trip Plane Ticket |
Choose your airline, date, and class. Factor in prices during peak or off-peak seasons |
Rp10,000,000 - Rp15,000,000 |
|
Accommodation (Hotel) |
Decide on a hotel in Makkah & Madinah. Consider the location (close/far from the Mosque) and facilities |
Rp5,000,000 - Rp8,000,000 |
|
Umrah Visa |
The cost of processing your Umrah visa |
Rp1,500,000 - Rp2,500,000 |
|
Vaccinations & Health Check-ups |
Mandatory for meningitis and polio vaccinations |
Rp500,000 - Rp1,000,000 |
|
Local Transportation |
Costs for taxis, buses, or the high-speed train. If you choose the train, the cost can be higher, but the journey is faster (Makkah-Madinah is only 2 hours) |
Rp1,000,000 - Rp2,500,000 |
|
Food & Drinks |
The cost of daily meals. You can eat at local restaurants, the hotel, or buy groceries |
Rp2,000,000 - Rp3,000,000 |
|
Miscellaneous Costs (Pocket Money) |
Personal needs, buying souvenirs, or unexpected costs |
Rp3,000,000 - Rp5,000,000 |
|
Total Estimate |
Rp23,000,000 - Rp37,000,000 |
Note: The prices above are only estimates and can change depending on the season, choice of airline, hotel, and currency exchange rates.
If You Go with a Travel Agency, Don’t Forget About These Costs
Although a travel package covers most of your needs, don't forget about expenses outside of the package. You still need to prepare funds for personal spending such as buying souvenirs, getting meals outside of the schedule, or other needs.
Allocating money for these expenses is crucial to ensure your spiritual journey remains peaceful and comfortable, without worrying about running out of funds.
How to Easily Start Saving in the Umrah Pocket
Saving for Umrah doesn't have to feel difficult. Follow these easy steps to start:
1. Create your Umrah Preparation Pocket
After knowing the estimated costs, create a Spending Pocket named Umrah Preparation Pocket in the Jago application. Personalize your Pocket, for example, by adding a photo that motivates you, like a picture of the Kaaba or the Prophet's Mosque, to remind you of this sacred goal.
2. Set a target and activate automatic saving
With the Pocket created, it's time to set a savings target. For example, if your Umrah target is Rp30 million and you want to leave in 2 years (24 months), you need to save around Rp1,250,000 per month. Activate the Auto-Budgeting feature in the Jago application.
Set the funds you need (e.g., Rp1,250,000) to automatically transfer to your Umrah Preparation Pocket every month. This way, your savings will consistently grow without you even noticing, and your goal will be easier to achieve.
Q&A About Independent Umrah
1. How long is the ideal time to save for Umrah?
The ideal time to save for Umrah funds greatly depends on your financial ability and the cost target you want to reach. However, it is generally recommended to start saving one to two years before your departure.
2. Can I save for Umrah in a group in the Jago application?
Yes, both Jago and Jago Syariah users can save in a group. Use the Shared Pocket feature to collect funds with family or friends. This feature allows you to collaborate in achieving your Umrah financial goal, so the journey to the holy land feels lighter and is full of togetherness.
Read how to save money together with family or friends for your Umrah journey in this article.
3. What if there is an urgent need and my Umrah funds are used?
Saving in an Umrah Pocket is flexible. Funds in the Pocket can be withdrawn at any time. However, it's advised to remain disciplined so your Umrah savings stay secure until the right time comes.
4. How can I start saving for Umrah if I don't have a Jago/Jago Syariah account yet?
Download the Jago application and then register for a Jago account/Jago Syariah account from anywhere and anytime. After your account is active, immediately create an Umrah Preparation Pocket and start saving regularly.
Peace of Mind During Umrah Starts with Solid Financial Preparation
Ultimately, whether you choose an independent Umrah or a travel agency, the journey to the holy land is a noble act of worship. Peace of mind and heart are the most important things. By planning your finances using the Umrah Pocket, you can manage your funds in a planned and organized way.
Separate your needs, set your targets, and let the saving process become a part of your worship. This way, financial worries will disappear, and you can focus on your sacred intention. Make your Umrah dream a reality with inner and outer peace.
