Umrah Bailout Funds on the Finance Companies Platform According to Islamic Law: a Lesson From Indonesia

Public mistrust of the companies that run Hajj and Umrah pilgrimages as a result of an Umrah travel company that cheats prospective pilgrims, has encouraged Umrah travel companies to innovate by cooperating with companies that have financing products for the departure of the Umrah pilgrimage. This study aims to analyze the decisions of pilgrims who use the bailout facilities to worship Umrah, analyze the use of Umrah pilgrimage funds according to Islamic law and analyze Islamic financial institutions that provide bailouts. According to Islamic law the financing system run by Amitra Syariah and Shohibah Shodiqoh Abadi is no prohibition. As an innovation in the field of Islamic finance the system offered can be a solution for prospective pilgrims who want to carry out the Umrah. Payment of bailouts in installments according to ability, without late fees and without usury has become an attraction for pilgrims deemed capable. The conclusion of this study is that the use of bailouts for worshiping the Umrah is permissible. The public can use the facilities offered by the company shohibah shodiqoh eternal by still paying attention to the terms of sale and purchase in accordance with the laws of buying and selling in Islam.