Check Your Hajj Funds Easily

That is not true. Like other state institutions established by law, BPKH is also routinely audited by the Audit Board of the Republic of Indonesia (BPK RI). Each year, BPKH releases financial reports for two semesters. For 7 consecutive times, BPKH has received an Unqualified Opinion (WTP) from BPK RI.

• BPKH is tasked with managing Hajj Finances including receipts, development, expenditures, and accountability of Hajj Finances. The management returns in the form of Benefit Value are used for Hajj implementation and partially distributed to waiting pilgrims.
• The Ministry of Hajj and Umrah represents the Government as a regulator proposing various policies for Hajj implementation each year. Besides being a regulator, the Ministry also serves as a Hajj operator, determining accommodation, catering, flights, and annual Hajj costs with Parliament approval.

1. Initial Hajj Deposit Fund

The Initial Hajj Deposit Fund is the IDR 25 million entrusted by prospective pilgrims to BPKH when registering for Hajj, through a wakalah contract, to be managed and optimized. Because of the long waiting period, this fund is managed safely and in accordance with Sharia principles so that it is not eroded by inflation until the time of departure. The proceeds of its management are used to help rationalize the cost of Hajj.

2. Ummah Endowment Fund (DAU)

The Ummah Endowment Fund (Dana Abadi Umat) is a fund for community welfare programs, not for individual Hajj departures. DAU comes from the efficiencies of Hajj operations in previous years, with the principal value kept intact while only the benefit value (yield) is utilized. As mandated by law, its benefits are distributed across Indonesia through education and dakwah, social-religious, Hajj services, health, worship facilities, community empowerment, and disaster response programs.

The Ummah Endowment Fund is a BPKH program to manage and develop funds from Hajj financial management which are then utilized for the benefit of the Muslim community.

Objectives of the Ummah Endowment Fund:

• Improving the welfare of Muslims in Indonesia
• Building religious infrastructure
• Providing educational scholarships
• Community economic empowerment programs
• Health assistance for underprivileged communities

Sustainability Programs include:

• Construction of mosques and Islamic boarding schools
• Scholarships for students
• Micro business capital assistance
• Free health programs
• Clean water facility construction

Safe, because it is in accordance with Law 34/2014 Article 46 (3)

• Sharia compliance — BPKH only transacts in accordance with Sharia and with Sharia Financial Institutions
• Investment security in Sharia financial instruments with minimum A rating
• Prudence with a low-moderate risk profile
• Optimal return on Benefit Value sufficient for BPIH needs and Hajj waiting list allocations
• BPKH liquidity with minimum 2x Hajj season liquid funds provision
• Article 46 (2) Hajj Finance as referred to in paragraph (1) may be placed and/or invested. (3) In making placements and/or investments as referred to in paragraph (2), it must comply with Sharia principles and consider aspects of security, prudence, benefit value, and liquidity.

BPKH manages Hajj funds with principles of prudence, transparency, and accountability to provide optimal benefits for Hajj pilgrims and the Muslim community.

Investment Instruments Used:

• Money Market: Sharia banking deposits, Bank Indonesia Sharia Certificates
• Sukuk: Government Sharia Securities (SBSN)
• Sharia Stocks: Investment in Sharia-compliant companies
• Gold: Precious metals as a hedge
• Property: Investment in Sharia property

Management Principles:

• In accordance with Islamic Sharia principles
• Portfolio diversification to minimize risk
• Maintained liquidity for Hajj operational needs
• Financial reports audited by independent auditors
• Information transparency to the public

Hajj funds are managed professionally in safe and liquid Sharia instruments, audited by BPK and reported to the Parliament and President. The Hajj fund balance managed by BPKH per year:

• 2019: IDR 124.3 T
• 2020: IDR 144.9 T
• 2021: IDR 158.8 T
• 2022: IDR 166.5 T
• 2023: IDR 166.7 T
• 2024: IDR 176.3 T
• 2025: IDR 180.7 T

Hajj fund management is conducted in accordance with Sharia principles and supervised by the Sharia Supervisory Board.

Hajj funds are placed in Sharia investment instruments, such as:

• Sukuk (Government Sharia Securities)
• Sharia deposits
• Direct investments compliant with Sharia principles

All are managed with principles of prudence — safe, transparent, and providing benefits to pilgrims.

• 1. Benefit Value (NM) is the return value from the management/optimization of Hajj finances conducted by BPKH.
• 2. The management/optimization of Hajj finances by BPKH is in the form of Sharia-compliant investments and placements in accordance with applicable laws and regulations.
• 3. Prospective Hajj pilgrims can check the benefit value received through their Virtual Account (VA) by accessing the BPKH VA application.
• 4. The distribution of Benefit Value through Virtual Account benefits pilgrims as it can be used to pay the difference or reduce the settlement costs.
• 5. As a simulation example: Mrs. Susi, a prospective pilgrim scheduled for departure in 2025, has received a Benefit Value distribution of IDR 5 million through her Virtual Account. She then received a departure invitation that year with a settlement value of IDR 25 million. Therefore, the settlement cost that Mrs. Susi must pay is IDR 20 million (IDR 25 million minus IDR 5 million Benefit Value in the Virtual Account).

The benefit value is given to both regular and special Hajj pilgrims. The benefit value is distributed to the pilgrim's virtual account. The NMVA received by each prospective pilgrim can rationalize costs when departing and reduce the Hajj costs. To check the managed funds and benefit value, pilgrims can view through the BPKH VA application on Playstore/Appstore iOS.

The benefit value began to be managed and distributed more evenly after BPKH was established in 2017. Since 2018, the benefit value distribution system has been equalized to be fairer for all pilgrims.

This means the benefit value received by pilgrims is calculated from when BPKH's management began in 2017, so the waiting period before that year did not yet use the current distribution mechanism.

The benefit value is not given as direct cash, but is used to support Hajj financing.

Such as:

• easing the BPIH cost
• assisting Bipih settlement
• supporting pilgrim needs (living cost)

Additional:

The benefit value continues to be managed and distributed cumulatively. As an illustration, Hajj pilgrims in the waiting period have received Virtual Account Benefit Value (NMVA) which continues to grow over time.

They are not the same.

The benefit value is the result of BPKH's Hajj fund management, used to support Hajj financing as a whole.

Meanwhile, living cost (pocket money) is a portion of that benefit given to pilgrims for their needs while in the Holy Land.

The benefit value is not claimed directly by pilgrims.

The benefit value is the pilgrim's right that is managed and distributed by BPKH through various Hajj financing and benefit schemes.

To ensure transparency, pilgrims can monitor their balance and benefit value periodically through the BPKH Apps.

The queue number of a deceased Hajj pilgrim can be inherited to heirs "without queuing from the beginning." Regarding the procedure for transferring the queue number, please contact the nearest district/city Ministry of Hajj and Umrah office.

The deposited money can be withdrawn or returned if the Hajj pilgrim applies for Hajj cancellation. The cancellation application can be done at the local district/city Ministry of Hajj and Umrah office. If the pilgrim cancels, they will lose their rights as a queuing prospective pilgrim, and if they register again, they must start the queue from the beginning.

The Hajj cancellation process goes through three stages:

• Regional Ministry of Hajj and Umrah
• Central Ministry of Hajj and Umrah
• Hajj Financial Management Agency (BPKH)

Each stage has different time estimates. BPKH issues a Payment Order (SPM) no later than 5 working days after receiving the complete application. However, the BPKH SPM processing at the bank requires a maximum of 5 working days (Monday-Friday, excluding national holidays).

BPKH is a public legal entity established in 2017 based on Law No. 34 of 2014 regarding Hajj financial management. Prospective Hajj pilgrims who wish to register can open a Hajj savings account and make an initial deposit at a Sharia Deposit Receiving Bank (BPS). Once the initial deposit is met, Hajj registration is done at the local Ministry of Hajj and Umrah office according to the ID card domicile, bringing documents from the bank and other required documents.

The Hajj travel cost (Bipih) paid by prospective pilgrims varies for each embarkation/departure area. This is due to differences in travel distance and costs in each region.

There is no age restriction. Hajj pilgrims above 65 years old will still be able to depart this year.

Indonesia's Hajj quota for 2024 is 241,000 pilgrims, with the following breakdown:

• Regular Hajj Pilgrim Quota = 221,720
• Special Hajj Pilgrim Quota = 19,280

Indonesia holds the largest Hajj pilgrim quota this year, with no age restrictions.
Each country's Hajj quota is determined by the Organisation of Islamic Cooperation (OIC). The agreement for the 1445H/2024M Hajj was signed by Minister of Religious Affairs Yaqut Cholil Qoumas and Saudi Arabia's Minister of Hajj and Umrah Tawfiq F Al Rabiah in Jeddah on Monday, November 27, 2023.

The Parliament and Government have agreed on the average Hajj cost for 1447 H / 2026 AD as follows:

BPIH (Hajj Implementation Cost): is the overall operational cost of Hajj per pilgrim. For departure year 1447 H / 2026 AD, BPIH is set at IDR 87,409,365. This component covers Hajj implementation costs in Saudi Arabia and domestic costs.

Bipih (Hajj Travel Cost) or Cost Paid by Pilgrims. The cost paid directly by pilgrims averages IDR 54,193,806 or about 62% of total costs. The components include:

• Flight costs
• Accommodation in Makkah and partial accommodation in Madinah
• Living cost
• Visa cost

Benefit Value from BPKH. The cost difference is covered using the benefit value from BPKH's Hajj fund management amounting to IDR 33,215,559, which is about 38% of total BPIH.

Hajj costs change every year and are caused by several factors including:

• The actual costs consist of several components that increase both domestically and internationally. These components include accommodation, consumption, services, flight costs, etc.
• Foreign exchange rate changes, where foreign currencies are used to pay for Hajj operations, as well as policies from the Kingdom of Saudi Arabia.