Performing hajj to the Holy Land is certainly the wish and expectation of Muslims. But before you can travel for hajj, there are various preparations. Not only physical preparation, but also money preparation.
In Indonesia, there are 2 hajj packages, namely the regular hajj package and the hajj plus package. The cost of the regular package is cheaper. But the cost is still around tens of millions of rupiah. Whatever the hajj package you choose, you still have to prepare a fairly large amount of hajj funds.
What Should You Prepare Money for If you Want to Perform Hajj?
Apart from the cost of the hajj package itself, you also need to prepare funds for a number of other expenses.
1. Necessities during the trip
What are the necessities during your trip? For example, spending on attire and personal medicines. You can make a list of needs during the trip so that nothing is forgotten and it's easier to calculate how much money you need to prepare.
2. Vaccination
As seen on the website of the Ministry of Health, the meningitis vaccine is a mandatory vaccine for prospective pilgrims. Even though the cost of the meningitis vaccine may not be too expensive, you still have to prepare the funds. Apart from the meningitis vaccine, several other vaccines that can help maintain health while in the holy land are also highly recommended, especially for prospective pilgrims who have comorbid illnesses.
3. Souvenirs
No less important are souvenirs to take home. You may want a souvenir for yourself as a memento of your journey of performing hajj. Of course, you also want to give souvenirs to family members, relatives and close friends.
What About Badal Hajj?
Still discussing hajj, Jagaons. You may have heard or are familiar with the term badal hajj. But what does badal hajj actually mean and what is its purpose? Jagomin will talk about it here.
Badal hajj definition
In short, the definition of badal haji is the hajj that is represented due to an absence. There are many examples that cause a person unable to perform their own hajj. For example, a child who performs hajj for a parent who is sick, physically weak or has died.
Badal hajj requirements
Keep in mind, to perform badal hajj, there are conditions that must be met. Only someone who has ever performed hajj and meets other requirements such as being healthy, intelligent and independent may perform badal hajj.
How to Prepare Hajj Funds with Jago Syariah
Hajj and badal haji funds are not small. For that, you need to prepare the funds by diligently saving in advance. Are you ready to allocate a budget for hajj funds but haven't found the right place to save? Try the Sharia Deposit and Bibit.
1. Prepare hajj funds more blissfully and disciplined in the Sharia Deposit
Saving to achieve financial goals does require discipline. Don't let the money you have saved so hard end up being used for something that is not your financial goal. If you want to perform hajj, it's a shame if your hajj savings does not grow because the money in it is often used for shopping, buying snacks every day, etc.
For those of you who feel discipline in saving is still a challenge, you don't need to worry. By saving for hajj in the Sharia Deposit, the money is safe from being used for a purpose that is not its real purpose. The Sharia Deposit will save your money according to the time period you choose. Because the waiting period for hajj is quite long, you can choose a period of 1 year or 2 years.
When the Sharia Deposit matures, you can continue saving by opening a new deposit. You can save all the principal funds along with the profit sharing that you get while saving in the Sharia Deposit. Curious about the profit sharing ratio for the Sharia Deposit? In accordance with Mudharabah Muthlaqah akad, the Sharia Deposit provides the distribution of competitive profit sharing.
When there is more sustenance and you decide to save the money as a pilgrimage fund, you can make a new Sharia Deposit again. Don't worry, you can have up to 20 Sharia Deposits at Jago Syariah. Each Sharia Deposit receives a minimum placement of Rp1,000,000.
2. Prepare hajj funds by saving automatically with Jago Autodebit
Apart from the Sharia Deposit, you can also take advantage of the Jago Syariah digital ecosystem with Bibit. If you haven’t, link your Jago Syariah account to Bibit so you can consistently save money for hajj funds. By utilizing the Jago Autodebit payment method at Bibit, saving becomes automatic according to the time of your choice. InsyaAllah, hajj funds can be saved according to your target.
Not only saving automatically, you can also invest in mutual funds in Bibit free of top-up fees. There are many other conveniences that can be enjoyed after linking Jago Syariah to Bibit, such as being able to monitor your mutual fund investment portfolio directly from the Jago application.
3. Prepare funds for various other expenses in the Saving Pockets of Jago Syariah
You don't need to prepare all of your funds in the Sharia Deposit or Bibit. For expenses such as souvenirs, for example, you can prepare the funds in the Saving Pocket of Jago Syariah. The goal is that funds do not mix with funds for daily expenses and other expenses that are not related to hajj.
You can create up to 20 Saving Pockets where each Pocket has its own account number. When the funds have been collected and the time for going to hajj comes, all you have to do is change the Saving Pocket to a Spending Pocket. Then, link the Spending Pocket with the Jago Syariah Visa Debit Card so that transactions are easier, faster and more practical without cash.
The Saving Pockets and the Spending Pockets of Jago Syariah use Wadiah Yad Dhamanah akad without interest. Alhamdulillah, saving money and managing finances with Jago Syariah is more blissful because Jago Syariah is in accordance with sharia principles.
So when do you plan to perform hajj or badal hajj? Time to set a target and prepare hajj savings from now on.
