Citizenship

Indonesia

Customer Age

• Minimum age: 21 years
• Maximum age: 65 years at the time of financing maturity*

 *) Declaration of retirement age is required for regular employees (permanent/non-permanent)

Coverage Area

All over Indonesia

Financing Limit

Financing facility limit of up to IDR 500 million

Tenor

12 - 72 Months

Length of Work / Business

Minimum of 3 months at the time of application.          

Minimum Income

Minimum income of IDR 7,000,000 per month

Contract (Akad)

1. Qardh
2. Ijarah Multijasa

Fees

Ujrah paid upfront starts from IDR 2,500,000*

*) depends on the Hajj Plus Organizer (PIHK) chosen by applicants

1

What is Hajj Plus Organizers (PIHK)?

Hajj Plus Organizers (PIHK) are organized by privately owned travel companies that hold official authorization from the Ministry of Religious Affairs to help and operate Hajj Plus services.

2

How long is the waiting period for Hajj Plus?

7– 8 years

3

How many days does it take to perform Hajj Plus?

Around 25 – 30 days

4

Does Prohajj Plus comply with sharia principles?

This product complies with Fatwa DSN-MUI No. 112/DSN-MUI/IX/2017 About Akad Ijarah.

This product has also been reviewed and received approval from the Sharia Supervisory Board of Bank Muamalat. 

5

What are the benefits?

1. Complies with Sharia principles   
2. Shorter waiting period compared to the Regular Hajj
3. Guaranteed departure*)
4. Simple requirements and swift approval process, as the quota booking and administrative process are going to be helped by both the Bank and the Hajj Plus Organizers (PIHK)
5. Eligible to register your family members

*) Guaranteed departure, as mentioned by the Minister of Religious Affairs through their Regulation (PMA) No. 6/2021 regarding the transfer of Hajj Travel Organizers.

6

What is Ujroh?

As simple as administration fee, ujroh is essentially a fee or compensation for services provided by the Bank or Hajj Plus Organizers (PIHK)

Following this product characteristics, the Bank and Hajj Plus Organizers (PIHK) provide financing approval process that runs with a financing system, Siskohat (Hajj registration system), delivery services, document safekeeping services, as well as other banking services rendered throughout the financing period.

7

How much is Ujrah that has to be paid upfront?

It starts from IDR 2,500,000 and is still depending on the Hajj Plus Organizers (PIHK) that is chosen by applicants.

8

Why am I being charged Ujroh? What components are used to determine the amount of Ujroh?

Ujroh is being charged as a compensation for some services provided by the Bank and Hajj Plus Organizers (PIHK) such as financing approval process that runs with a financing system, Siskohat (Hajj registration system), delivery services, document safekeeping services, as well as other banking services rendered throughout the financing period.

9

Why is there an Ujroh paid upfront and an Ujroh paid monthly?

Normally, Ujroh has to be paid one time upfront in order for a service provider to provide their service. However, Bank Muamalat provides a scheme that allows customers to pay it one time after one type of service, and monthly.

10

What is the contract of the Prohajj Plus?

1. Qardh
2. Ijarah Multijasa

11

What are Qardh and Ijarah Multijasa?

Qardh refers to an interest-free loan (financing) in Islamic finance, where one party lends money to another without charging any interest or profit, and the borrower is only obligated to repay the principal amount. In this arrangement, Bank Muamalat lends money to its customers to pay a certain amount of the Hajj Plus booking fee (specifically for the booking fee only, excluding other services).

Ijarah Multijasa is a type of Islamic financing product that provides financing for multiple services or benefits, typically related to hajj or umrah pilgrimage. In this arrangement, the services provided by the Bank and Hajj Plus Organizers (PIHK) include the financing approval process (including its system), delivery service, registration service (registering to the Ministry of Religious Affairs), and document safekeeping service. It's a bundled service package where the customer pays a fee (ujroh) for the services provided.

12

Are the Customers allowed to request an early (full) repayment?

Yes, the customers are allowed to do that.

13

Are the Customers are covered by some sort of financing insurance?

Optional

14

Are customers required to provide income documents?

Not Mandatory

15

What is RTJU?

RTJU refers to the Rekening Tabungan Jamaah-haji Utang which basically a Hajj Pilgrims Savings Account specifically for financing purposes.

This saving account is purposely used for financing disbursement. Then, the disbursement funds is transferred to pay Hajj Plus quota booking fee. This account is also used to debit other fees related to this financing.

16

Are the Customers allowed to request a refund of ujroh, after disbursment?

No. Ujroh that is paid upfront is not allowed to be refunded after disbursement. Ujroh that is paid upfront is used as compensation after the Bank has completed an assessment of the Customer’s financing application (including the charge for using the systems that facilitates the process), as well as compensation for acquisition process.

17

Are the Customers allowed to book Hajj Plus quota for other people other than the Customers themselves?

Yes, they are allowed to book Hajj Plus quote for themselves as well as for their family members, limited to:

1. Their spouse
2. Their biological children
3. Their parents
4. Their parents-in-law
5. Their siblings
6. Their son/daughter-in-law