Ustadz Dr. Erwandi Tarmizi, M.A - Penjelasan Ibadah : Haji Furoda, Haji Plus, Haji Reguler & Umroh

Summary

This transcript explores a religious discussion on the obligations and challenges surrounding the Hajj pilgrimage, with a focus on issues related to usury, financial systems, and the ethical dilemmas of registration, funding, and contracts. The speaker emphasizes that Hajj is not obligatory for those who are unable to pay or register, urging listeners to avoid participating in systems that involve interest (usury). The talk also critiques the current financial mechanisms surrounding Hajj, suggesting that the system may be exploitative and harmful. The speaker advises Muslims to seek halal means of worship and avoid getting caught in sinful financial transactions.

Takeaways

• 😀 Worshiping Allah is not meant to add difficulty to one's life, and the obligation of performing Hajj is only for those who are financially capable and able to travel.
• 😀 There is no obligation for Indonesians to perform Hajj if they are unable to register or afford it, as the responsibility lies with those who hinder access to it.
• 😀 The Hajj system in Indonesia has been negatively impacted by the introduction of usury-based financing through Sharia banks, leading to an increase in systemic issues like traffic jams and financial difficulties.
• 😀 The Hajj system has been corrupted by usury, and it’s suggested that one should not participate in such systems as it leads to sin and the destruction of the community.
• 😀 The Hajj system involves a gamble-like risk where people register, pay, but are unsure if they will be able to leave, which is viewed as a form of haram (forbidden) gambling.
• 😀 It is better to avoid participating in Hajj under these conditions and focus on seeking halal ways to worship Allah, such as praying at home.
• 😀 Usury has a domino effect, impacting the country’s infrastructure and leading to systemic corruption, which only escalates the damage caused by sins.
• 😀 Even if a person has registered for Hajj years ago, there is no obligation to go if it becomes financially or systemically complicated, and it’s better to withdraw from such contracts.
• 😀 Umrah, particularly during Ramadan, is presented as an alternative to Hajj, with similar rewards, and it’s seen as a safer option for those unable to go on Hajj.
• 😀 The concept of the Hajj contract, including the 'salam' contract, is flawed, as it may involve uncertainty and unclear agreements, leading to potential financial exploitation.

Q & A

What is the main argument presented about the obligation of Hajj?

The speaker argues that Hajj is not obligatory for Indonesians if they cannot afford to perform it, especially under the current system where people are required to go through a complicated and expensive process involving Islamic banks and usury. The speaker highlights that the obligation only applies to those who are financially capable.

How does the speaker view the role of Islamic banks in the Hajj system?

The speaker criticizes Islamic banks for creating a Hajj bailout system that involves usury. He claims that the loan systems used by these banks to fund Hajj are essentially usurious, as they come with service fees that increase the debt, which the speaker believes corrupts the entire Hajj process.

What is the speaker’s perspective on the impact of usury on Indonesia?

The speaker argues that the most damaging impact of usury in Indonesia is seen in its traffic congestion, as well as in its economic systems, where the consequences of such practices ripple across various sectors, including the Hajj system.

What does the speaker say about the legality of Hajj savings systems?

The speaker states that the current Hajj savings systems used in Indonesia, especially through Sharia-compliant banks, are problematic. He emphasizes that these systems involve usury and unfair contracts, which undermine the spirit of the Hajj, and he advises people to withdraw from these systems.

Why does the speaker consider the Hajj system a form of gambling?

The speaker views the Hajj system as a form of gambling because there is uncertainty about whether people will actually be able to go on the pilgrimage after paying, thus leading to a situation where people are risking their money without a clear guarantee.

What advice does the speaker give to those who have registered for Hajj?

The speaker advises those who have already registered for Hajj to consider withdrawing their registration if they are unable to perform the pilgrimage in the near future. He stresses that Hajj is not obligatory unless one has the ability to go, and the system in place does not provide a clear path for those who are not financially capable.

What does the speaker say about the practice of selling Hajj quotas?

The speaker advises against selling Hajj quotas, stating that it is not permissible to sell them since Hajj is not an obligation under the current circumstances. Selling quotas would involve misleading others about their ability to perform the pilgrimage, which he views as dishonest.

How does the speaker address the issue of Umrah versus Hajj?

The speaker suggests that performing Umrah during Ramadan is a viable alternative to Hajj, as it carries the same spiritual reward. He advises that Umrah is a safer and more accessible option, as it is not burdened by the complexities and issues associated with the Hajj system.

What does the speaker mean when he says, 'A sin has a domino effect'?

The speaker is emphasizing that the impact of sin is far-reaching and continues to affect individuals and society long after the sin is committed. He warns that engaging in sinful practices like usury and deceptive financial systems creates a chain reaction that harms both individuals and the broader community.

What is the speaker’s view on government regulations regarding Hajj and Umrah?

The speaker is critical of the government's involvement in the Hajj and Umrah system, particularly due to its reliance on unclear contracts and usurious practices. He urges people to be cautious and to question the legitimacy of the contracts and fees associated with these pilgrimages, especially if they are not clearly defined or regulated.