Start from Just Rp100,000, Here's How to Save for Hajj the Sharia Way

Performing Hajj is a once-in-a-lifetime dream for many Muslims around the world, including in Indonesia. However, due to the high cost and long waiting lists, many people delay planning for Hajj until later in life, often waiting until their finances are completely stable.

But the truth is, with strong intention and the right financial planning, preparing for Hajj can start much earlier. One of the most effective ways to begin is by opening a dedicated Hajj savings account that follows Islamic principles, such as the iB Hijrah Hajj Saving Account from Bank Muamalat.

Why You Should Start Saving for Hajj Today

Indonesia’s Hajj queue is known to be lengthy. In some provinces, the waiting period for the regular Hajj program can stretch beyond 20 years. Since Indonesia uses a first-come, first-served registration system, the sooner you secure your Hajj quota number, the sooner you’ll be able to go.

To officially register for a Hajj quota, prospective pilgrims must deposit a minimum of Rp25 million into a registered Hajj savings account. This amount is then submitted through the Ministry of Religious Affairs’ Integrated Hajj Computerization System (SISKOHAT). That’s why starting early can help you avoid missing the opportunity.

iB Hijrah Hajj Saving Account: A Sharia-Compliant Hajj Savings Solution

As Indonesia’s first Islamic bank, Bank Muamalat offers iB Hijrah Hajj Saving Account, a specialized savings product designed to help you plan your Hajj expenses in a safe, structured, and fully Sharia-compliant way.

Key Benefits of iB Hijrah Hajj Saving Account

Affordable Initial Deposit
Open your account with as little as Rp100,000, accessible for anyone ready to start their Hajj journey.
Connected to SISKOHAT
Directly integrated with the Ministry of Religious Affairs' official system for seamless registration.
Sharia-Compliant Management
Funds are managed using a mudharabah muthlaqah contract, ensuring transparency and adherence to Islamic principles.
Zero Monthly Admin Fees
Your balance stays intact and fully dedicated to your Hajj preparation.
Available for Individuals or Groups
Perfect for solo savers, couples, families, or even groups saving together for Hajj.

Hajj Savings Simulation

Here’s an estimate of how much you’ll need to save each month to reach the Rp25 million Hajj quota deposit:

2 years: Around Rp1,050,000/month
3 years: Around Rp695,000/month
4 years: Around Rp520,000/month

With consistent monthly contributions and a clear plan, saving for Hajj becomes manageable and less overwhelming.

How to Open a iB Hijrah Hajj Saving Account

Opening your account is easy. Simply:

Bring your National ID (KTP) and Tax ID (NPWP, if available)
Fill out the account opening form at a Bank Muamalat branch or through Muamalat DIN
Make an initial deposit of at least Rp100,000
Continue saving regularly toward your Rp25 million Hajj deposit target

Once your balance reaches Rp25 million, you can immediately register for a Hajj quota at any Bank Muamalat branch via SISKOHAT.

Begin Your Hajj Journey Today

Saving for Hajj is more than just a financial commitment, it’s an act of devotion and intention. iB Hijrah Hajj Saving Account by Bank Muamalat helps you prepare for this sacred journey in a way that’s convenient, secure, and fully aligned with Islamic values. Don’t wait until later in life. Take the first step today. For more information, call 1500016 or visit the nearest Bank Muamalat branch.