Debt-Based Hajj Financing Models: Legal Foundations and Socio-Economic Implications in DSN-MUI Fatwa

Abd Razak* -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
Badrul Munir -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
Husni Mubarrak -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
Zulkhairi Zulkhairi -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
Anshar Zulhelmi -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
Suraiya Suraiya -  Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia
DOI : 10.24952/fitrah.v11i2.17601

This article provides an analytical study of the legal reasoning and arguments underpinning the DSN-MUI fatwa that permits Hajj financing through debt and financing schemes. Utilizing a descriptive literature review, the study traces relevant fatwas and examines their sharia bases, particularly the principles of maqasid al-shari'ah such as al-ibāhah (permissibility) and manhaj al-taysir (the approach of ease). The research aims to explore how this fatwa adapts to modern economic contexts while preserving core sharia principles, particularly regarding the reinterpretation of istitha’ah (capability). Findings demonstrate that the fatwa is fundamentally supported by a paradigm oriented toward achieving maslahat (benefit) and dar’ al-mafsad (avoidance of harm), emphasizing justice and accessibility for Muslim communities seeking to perform Hajj via sharia-compliant financing. This study offers in-depth insights into the legal construction and foundational sharia principles used by DSN-MUI, contributing critical perspectives on the social and economic implications of debt-based Hajj financing for scholars, Islamic finance practitioners, and policymakers.

Keywords : Hajj Financing; DSN-MUI Fatwa; Islamic Debt Scheme; Muamalah Principles; Sharia Compliance; Maṣlaḥah and Mafaṣad; Islamic Legal Reasoning

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