The Hajj Savings Scheme is the best model for a successful hajj exercise. Abubakar Yagawal, a commissioner in the National Hajj Commission, disclosed this on Monday in Sokoto.

The scheme, a collaboration between the NAHCON and non-interest banks, particularly Jaiz Bank, allows intending pilgrims to save over time in a Sharia-compliant manner. 

He expressed optimism that the model would prevent late payment of hajj fares by intending pilgrims, facilitate securing accommodations at better locations in both Mecca and Medina, and ensure proper planning.

He lamented that the delay in hajj payments led to impromptu arrangements, securing accommodations in far places, stressing that Saudi Arabian authorities ensure first-come, first-served arrangements.

“Most Nigerians wait until closer to the deadline fixed for payment, some rush to sell their livestock or farm produce and pay money at once, or in two or three instalments.

“The attitude hinders smooth arrangements in Nigeria as Saudi Arabian authorities always communicate to nations on the coming year’s hajj exercise immediately after completing the previous year’s rituals.

“There is a need to understand that hajj is a lifetime religious ritual that needs planning for years,” he said.

Mr Yagawal explained that the hajj saving scheme was a global practice that enables welfare agencies to plan for years of pilgrimage exercises.

According to him, intending pilgrims can approach a designated financial institution with the hajj saving scheme model programme for deposits, which are usually spread in instalments.

”The model ensures reduction of hajj fares for intending pilgrims because pilgrims’ deposited money at the banks will be on legitimate transactions using the funds, thereby the owner benefits with legal financial proceeds.

“This is a legacy tool that will serve generations to come, especially our youth and low-income earners,” Mr Yagawal said.

He commended President Bola Tinubu for his commitment to ensuring a smooth hajj operation, facilitating a hitch-free conduct of the exercise with increased successes, and acknowledging the present reduction in Hajj fares for the 2026 pilgrimage.

Mr Yagawal further commended state governors for their respective support to NAHCON, especially the North-West Governors Forum, for their readiness to ensure payments.

Mr Yagawal appealed to all stakeholders to strictly comply with the timelines set by the Saudi Arabian authorities for the 2026 hajj operations.

The HSS is established on the Mudaraba (partnership) principle, where savings are invested and profits are generated and distributed among the savers, which can help subsidise hajj costs.

The scheme is designed for all Muslims regardless of their income, age, or social status.

Pilgrims can open an account with minimal requirements (BVN and NIN) and choose flexible payment plans (daily, weekly, monthly, quarterly, or semi-annually).

(NAN)