In order for you not to fail, this explanation KH Cholil Navis Problem Investment Hajj Fund

Themoderatemuslims.blogspot.co.id - Since yesterday became a polemic about the financial management of pilgrims who will be invested into infrastructure. Because now sdh legal and legitimate financial management of hajj since the Act number 34 of 2014 and yesterday has been inaugurated Haj Financial Management Agency (BPKH) as well as Supervisor.

Now the management of Haj funds is no longer the authority of the Ministry but by BPKH. So it is not appropriate to direct this criticism to the Ministry, especially to the Minister. The President's appeal to invest into infrastructure because it is a priority government program. This is just an input to the members of BPKH, then give the opportunity to plan the management program to perfect.

There are some things that need to be addressed, whether kosher investing Haj funds to infrastructure? Is it necessary to ask permission to the pilgrims? What agreement will be used?

Investment of Haj funds in infrastructure if appropriate sharia law is halal, but not a priority. Because there is no direct relationship with improving the quality of pilgrimage that is urgent at this time. Unless the quality of Haj pilgrimage is good while the remaining Hajj funds are then allowed to invest into infrastructure with the requirements of sharia principles, safe, profitable and liquidity smoothly.

In accordance with the haj financial management law Article 3 that the management of pilgrim's finance to improve the quality of hajj pilgrimage, rationality and efficiency of the use of the cost of the pilgrimage is entirely for the benefit of Muslims. Therefore, the management of pilgrim funds should not deviate from the main purpose of the financial management of the pilgrimage. The most urgent thing to increase the pilgrimage is hajj pilgrimage and transportation, although consumption and other facilities during Saudi Arabia need to be facilitated.

If the accommodation and transportation can be managed through an investment of 90 trillion haj funds that facilitate the government in improving the implementation of the haj as well as safe and get a big investment. During the pilgrimage season, pilgrims can lodge near the haram and after the pilgrimage season can be rented to the Umrah congregation.

Does Hajj investment need permission to prospective pilgrims? Broadly speaking, it is necessary to obtain permission from pilgrims during the deposit of the Hajj fee through an agreed contract, as well as the permit from the pilgrims who had been paid before the Law No. 34 of 2014 was passed. The validity of a transaction is dependent on the contract. Caloh pilgrims who deposited before 2014 or until now there is no intention to invest and not listed in the contract when the deposit gets the seat number to represent the investment to BPKH.

The permission mechanism can be searched the easiest to be announced to the public through the technological means available today. Perhaps also BPKH offers to the congregation who want to be invested and who only paid for the pilgrimage course, so in the contract it is clearly no coercion. It could even be to avoid the rupiah inflation against the dollar when the redemption will be offered crucial dollar to the pilgrims during the first deposit of the cost of leaving the pilgrimage.

It is also important to be transparent in the financial management of the pilgrimage. If using a wakalah contract, BPKH only accepts the ujrah (cost) to manage in accordance with the accuracy in the contents of the contract. Then, the return on investment to prospective pilgrims in accordance with the number of percentage. Investment returns should not be returned to the government or the cost of hajj pilgrimage is part of the pilgrims who are still waiting list.

In contrast to the pilgrim fund results of pilgrimage efficiency. Then the funds can be owned by the government because of the results of the services of pilgrimage performed by the government to the congregation. Therefore, investment returns can be owned by the government with the full use of government authority.

Hajj's finances are the funds of the people sdh intended by the owner to leave the pilgrimage. I'm sure not all there is investment intentions. But from the fund nmeganggur and eroded by inflation while the government needs to improve the implementation of Hajj it needs to be managed to avoid the funds tersia2 and for the benefit of the congregation. But do not forget the initial intention of the management of pilgrimage funds for the pilgrimage and the interests of Muslims. Need to be careful and follow the shariah for the implementation of pilgrims pilgrim Indonesia mabrur and through pilgrimage can improve the life of nation and state

By: KH Cholil Nafis.

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