Making hajj and qurban is not just a matter of ordinary worship, because it is a sacrifice. But often, this noble intention is stuck in financial problems such as:
“I want to make a qurban, but I don’t have the funds yet.”
“Register for hajj, but why is it getting more expensive every year?”
That’s why we need an investment strategy. Not just saving, but also having to make a long-term plan that is sharia and focused. Because this great worship requires great preparation so that the rewards are abundant.
As a form of responsibility and sincerity in preparing ourselves, Islam also recommends that we prepare everything to the maximum. Allah ﷻ says:
وَأَعِدُّوا لَهُم مَّا اسْتَطَعْتُم مِّن قُوَّةٍ
“And prepare… whatever you can afford.” (QS. Al-Anfal: 60)
This verse does talk about physical preparation in a specific context, but scholars also interpret the importance of preparation in general in all aspects of life, including worship that requires costs.
Prepare intentions, knowledge, and funds. Start now. Because a worthy sacrifice is not only intended, but planned.
Now, the question is: why do we need to invest specifically for the Hajj and Qurban? Let’s discuss the basic reasons, so that your steps are more steady and without hesitation.
Why Plan an Investment Strategy for Hajj and Qurban?
We often think that working hard and saving little by little is enough to make our dreams of going on the hajj or qurban come true. But in reality, saving without careful planning is often not enough. Moreover, the cost of the hajj and the price of qurban animals continue to rise from year to year, making us need a smarter way.
This is where the importance of an investment strategy lies. Not just saving money, but managing funds so that their value grows in a halal manner and in accordance with sharia principles. That way, when the time to worship arrives, we are financially ready, without having to stress about chasing funds suddenly.
Allah ﷻ says:
يَا أَيُّهَا الَّذِينَ آمَنُوا اتَّقُوا اللَّهَ وَلْتَنظُرْ نَفْسٌ مَّا قَدَّمَتْ لِغَدٍ وَاتَّقُوا اللَّهَ ۚ إِنَّ اللَّهَ خَبِيرٌ بِمَا تَعْمَلُونَ
“O you who believe, fear Allah and let everyone pay attention to what he has done for tomorrow (the afterlife); and fear Allah, indeed Allah is All-Knowing of what you do.”
(QS. Al-Hasyr: 18)
This verse reminds us not to underestimate preparation, including worldly matters that support worship. Investment strategies are part of a form of piety and intelligence in utilizing the time and fortune that Allah ﷻ has entrusted.
In this way, dreams of great worship such as going on the Hajj and making the sacrifice can be realized calmly, without burden and worry.
Also read: Tips Saving and Investing for Hajj Fund
Sharia Investment Strategy Suitable for Hajj and Qurban Purposes
Choosing the right sharia investment product is very important to develop and maintain the value of the funds that we have set aside. That way, the preparation for the hajj and qurban pilgrimage is not just a dream, but can be realized smoothly and blessedly.
For the purpose of worship like this, we can divide sharia investment strategies into two main categories:
- Investment to Develop Assets
This investment aims for the funds we set aside to grow while still complying with sharia principles. The options include:
- Mudharabah: Cooperation between the fund owner (shahibul maal) and the business manager (mudharib). Profits are divided according to agreement. Suitable if you want funds to grow without having to interfere in operations.
- Murabahah: A buying and selling scheme where the price and profit margin are agreed upon in advance. Transparent, free of usury, and suitable for financing productive assets.
- Musyarakah: Capital cooperation between two or more parties, with the sharing of profits and risks based on the portion of contribution. Can participate actively or passively in the business.
- Investment to Maintain Asset Value
This investment serves to maintain the value of funds so that they are not eroded by inflation, especially in the long term. Options to consider:
- Gold and Precious Metals: Gold is known to be resistant to inflation and is suitable for storing value (store of value). It is very suitable if the hajj or qurban is still planned in the next 5-10 years.
With an investment strategy like this, you can be calmer in facing the future. Especially for noble purposes such as hajj and qurban, where the implementation time can be 5, 10, or even 15 years in the future. The earlier you start, the lighter the burden and the greater the opportunities.
Also read: Understanding the Three Types of Manasiks Hajj
Frequently Asked Questions (Q&A)
Q: Is sharia investment safe for the purpose of hajj and qurban?
A: Yes, if chosen carefully and through a supervised institution so that sharia investment is safe and in accordance with religious provisions.
Q: Which is better, saving or investing?
A: Both are important. Saving for emergency and short-term funds, while investing for long-term fund growth such as hajj and qurban.
Q: Who is more suitable for gold investment?
A: Suitable for those who want to save assets in the long term and avoid the risk of inflation. Gold is easy to liquidate when needed and its value is stable.
Q: What are the main differences between mudharabah, murabahah, and musyarakah?
A: Mudharabah: Passive fund owner, active manager. Murabahah: Buying and selling with agreed profits. Musyarakah: All parties are active or passive with profit sharing according to their portion.
Q: Can this investment be started with a small fund?
A: Of course! Many can be started with a small nominal. The important thing is consistency and a strong intention to worship.
Also read: Hajj: A Complete Act of Worship
Conclusion
Worship journeys such as the Hajj and sacrifice are not trivial. Both are part of a form of total devotion to Allah ﷻ which involves physical, soul, and of course wealth. So, we should prepare all of this as well as possible.
By getting to know sharia-compliant investment strategies and starting to develop long-term plans early on, we can turn our intentions into concrete steps. Because a sacrifice is valuable, it is worth preparing seriously.
Also read: The Wisdom of Hajj: Journey Beyond Rituals
Let’s Visit, Zeed and join for halal investment with Zeed.
Reference:
Al-Qur’an Al-Karim. https://tafsirweb.com