Suitable for Young Couples! Here's How to Prepare for a Sharia-Compliant Wedding Fund

Marriage is one of life’s most meaningful milestones, a moment filled with hope, blessings, and dreams for the future. But for many young couples, financial preparation can be a major hurdle before saying “I do.” From venue rental and catering to dowry and household essentials, the costs can quickly add up.

To make your dream wedding a reality without financial stress, planning ahead and saving in a way that aligns with Islamic principles is the smartest move. In this article, we'll walk you through a structured and secure strategy to prepare your wedding fund, especially for couples who want to start their new chapter with barakah (blessings).

1. Define Your Wedding Goals and Budget Estimate

Start by deciding what kind of wedding you want: a simple celebration, a semi-formal event, or a large reception? Based on this, you can begin estimating the total cost. Common wedding expenses include:

Venue and decoration
Catering and food
Dowry (mahar) and wedding gifts
Photography, videography, and wedding attire
Emergency fund for unexpected costs

In Indonesia, the average wedding can cost anywhere from tens to hundreds of millions of rupiah, depending on your preferences.

2. Create a Joint Financial Plan

Sit down with your partner and have an open conversation about your individual financial situations. Agree on how much each of you can contribute monthly and set a realistic timeline to reach your goal. Honest communication is essential for building a solid financial foundation for your future household.

3. Avoid Unnecessary Debt

Try your best to avoid taking out loans to cover your wedding expenses. Not only can debt be burdensome in the long run, but loans that don't follow Islamic principles may also diminish the spiritual blessings of your marriage. It’s better to scale down your plans than to risk starting your marriage under financial pressure.

4. Use a Sharia-Compliant Savings Plan

To keep your wedding fund safe, growing, and halal, consider using a sharia-based savings product. One of the best options for young couples is iB Hijrah Term Savings Account from Bank Muamalat.

This goal-based savings account is designed to help you achieve your financial targets—like your wedding fund—in a disciplined, halal, and worry-free way.

Key Benefits of Tabungan iB Hijrah Rencana:

Monthly savings start from just Rp100.000
Mudharabah contract (profit-sharing) based on sharia principles
Flexible terms, from 1 to 20 years
Comes with free life insurance protection
Helps you build smart financial habits for the future

By choosing a sharia-compliant savings account like this, you and your partner can stay focused on your goals without the temptation to dip into the fund for unrelated expenses.

5. Stay Consistent and Review Regularly

Saving for your wedding takes commitment. Set up automatic transfers or use an auto-debit feature to ensure you're contributing regularly. It’s also a good idea to review your progress every few months and adjust your strategy if your needs or timeline change.

Make Your Dream Wedding a Peaceful Reality

A wedding full of sakinah (tranquility), mawaddah (love), and rahmah (mercy) doesn’t have to be extravagant—it just needs to be well-prepared. With thoughtful planning and the right financial tools, you can organize a wedding that’s not only debt-free but also in line with Islamic values.

Ready to start your journey toward a blessed marriage? Open your iB Hijrah Term Savings Account today and take the first step toward your financially peaceful and spiritually fulfilling future.