Menimbang Kekuatan dan Kelemahan Dana Talangan Haji

Abstract

Indonesia is one of the country with the most widely Hajj pilgrims. This extraordinary amount causes queues to wait for the pilgrimage, since Islamic banks offer a bailout system for anyone who is able and eager to hajj. Hajj funds are certainly not small. Before the crisis and the rupiah value is still strong, hajj funds were only about 10 million. But after the crisis, the cost ballooned to 40 million rupiah. This study analyzes the perceptions of bank customers to finance / lend Hajj bailout provided by Islamic banks in Indonesia. This study uses a quantitative approach to content analysis of data collection using interviews with 10 pilgrims who used Hajj bailout in Islamic banks. Although there is a debate about the advantages and disadvantages of Hajj bailout by Islamic financial institutions, some of the advantages of this program according to the customers' perception are: facilitating Hajj pilgrims’ funds, helping the economy of the nation, helping SMEs, helping Islamic banking and prospective pilgrims’ asset utility optimization. According to customers perception, some disadvantages of bailout pilgrimage include: Inhibiting the prospective Hajj pilgrims who have the financing capability, extending the list of prospective pilgrims queuing, multi agreements that sometimes in practice are less according to the fatwas of the National Sharia Council, the bias in the term of "capable" in Hajj and the lack of transparency in the management of Hajj funds by the government.