Preparing the hajj fund is not easy. There are a lot of things to get in the way for you to get the hajj fund. Whether it’s from yourself, such as excessive personal expense, or external factors such as the rise of the dollar. To help you, we have prepared a few tips and tricks to help you get your own the hajj fund so that you will be able to go pilgrimage in your 30s.
Estimate your Cost for Pilgrimage
Savings will be impossible without a target. So, if you want to save for the hajj fund, you have to have a clear target. It can be an estimation of the total expense you will spend on your pilgrimage. This estimation will include a Biaya Penyelenggaraan Ibadah Haji (from government, BPIH), emergency fund, and other related expenses.
Usually, BPIH will depend on embarkation, the value of the rupiah, the pilgrimage package you take, and local government rule. This BPIH usually will increase each year. So it is important for you to know how much BPIH costs you so that you can have a clear target. You can get information about BPIH by browsing on official Kementerian Agama Republik Indonesia’s website.
Estimate How Many Years You Need to Save Money
Not only estimate the total expense for your pilgrimage, but you also need to estimate how many years you’re going to save to reach your target. Usually, Kementerian Agama Republik Indonesia will choose banks that already have its own scheme for the hajj fund. This scheme can be a lot, however, it usually goes like this:
- You open a bank account in that bank
- You start to save some money for the hajj fund
- Your saving reach IDR 25 million
- Bank will register you to Kementerian Agama Republik Indonesia
- You are officially registered as a future pilgrim and can continue to save for BPIH
In short, there are two timeframes on saving for the hajj fund. First, is to register, and the second is to complete the BPIH. You should not spend too much time to pay the minimum amount (IDR 25 million). If you spend too much time, your waiting duration will be longer too.
Open The hajj fund Bank Account
It will be very hard to save without focus. To increase your focus, you should just open the hajj fund bank account. This will make you focus and also better for your money. This account will not be used for personal use if you commit to only use the account for hajj. It is now very easy to open the hajj fund bank account. Kementerian Agama Republik Indonesia chooses few banks that can receive your money and also manage your hajj fund. You can easily open your bank account there, as long as you meet their requirement.
Support with Investing
Do you feel it’s really hard to prepare the hajj fund? Do you think your monthly salary is not enough? You may want to start investing. Currently, there are some Syariah- based investment that is safe and obey Islam’s rule so it’s halal. One of the Syariah-based investments is Syariah Mutual Fund.
A mutual fund is one of the long-term investment instruments that have a lower risk compared to others. You can use this kind of investment to prepare your hajj fund. Calculate precisely so that you can get investment returns to pay your pilgrimage.
Earn Extra Income
If you don’t think you’re ready for investing, you can still earn extra income. You can start a small business. You can try an online business, it is easier to manage compared to other business. Aside from that, it is cheaper to start an online business.
You can join as a reseller or do dropship on hot items. By being a reseller or drop shipper, you don’t have to spend too much to buy goods for sale. You only need an internet connection and determination to be successful.
Preparing the hajj fund is not easy. There will be so many hurdles for you to save and manage money for your pilgrimage. To help you prepare your hajj fund, Bank Danamon Syariah has Tabungan Rencana Haji iB. All of its processes are already watched by Otoritas Jasa Keuangan (OJK) so your the hajj fund is safe. The requirement is easy, you can just open Rekening Tabungan Jamaah Haji (RJTH) with Bank Danamon.