{
    "success": true,
    "data": {
        "id": 1681158,
        "msgid": "how-to-save-for-the-rp25-million-initial-hajj-regular-deposit-from-scratch-1776325856",
        "date": "2026-04-16 13:50:59",
        "title": "How to Save for the Rp25 Million Initial Hajj Regular Deposit from Scratch",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Finance",
        "summary": "This article explains the Indonesian government's Hajj regular system, which allows prospective pilgrims to register with an initial deposit of around Rp25 million, securing a place in the waiting list that can span 15-25 years or more. It highlights that full payment is not required upfront, giving ample time to save the remaining costs, with funds managed by the Hajj Financial Management Agency (BPKH) for benefits during the wait. Practical saving strategies are provided based on monthly salaries from Rp4 million to Rp10 million, demonstrating how the initial amount can be accumulated in 12-20 months through disciplined budgeting and additional income sources.",
        "content": "<p>Many people believe that performing the Hajj pilgrimage is only\npossible for those who are financially well-established. Upon hearing\nthe Hajj service fee (ONH) reaching tens of millions of rupiah, not a\nfew immediately abandon their intention with the reason: \u201cNot yet able.\u201d\nHowever, the regular Hajj organisation system in Indonesia does not\nrequire prospective pilgrims to have the full cost upfront. Through the\nofficial government mechanism, now managed by the Ministry of Hajj and\nUmrah, the public can begin registering for Hajj without needing the\nentire amount at the start. Indonesia implements a waiting list system\nfor regular Hajj departures. This means every prospective pilgrim will\nreceive a queue number (portion number) that determines when they can\ndepart. In many regions, the current waiting time ranges from 15 to more\nthan 25 years, and can be even longer depending on the quota. This is\nthe crucial point often misunderstood. The key to departing on regular\nHajj is not just about being able to pay, but how quickly you enter the\nqueue. To obtain a portion number, prospective pilgrims only need to\ndeposit initial funds of around Rp25 million (subject to government\npolicy changes). After the initial deposit: - You officially enter the\nwaiting list - You immediately receive a queue number - Your departure\nschedule starts to be \u201clocked in.\u201d This means you do not need to wait\nuntil you have the full funds to start registering. Many people focus on\nthe large total Hajj cost, but in practice, what is far more determining\nis the speed of taking a position in the queue. The sooner you register:\n- The sooner you get a portion number - The closer you are to the\ndeparture schedule - The longer the time to prepare the remaining costs.\nIn other words, delaying only makes the waiting time longer, not\nlighter. After the initial deposit, prospective pilgrims are not\nrequired to immediately pay off the entire cost. The general scheme is:\n- Initial deposit and obtain portion number - Enter the queue according\nto the region - Wait for years - Final payment is made close to\ndeparture. During the waiting period, the stored funds are also managed\nby the government through the Hajj Financial Management Agency (BPKH) to\nprovide beneficial value. Prospective pilgrims have a long time to\nprepare the remaining costs gradually. To make it easier to understand,\nhere is a simple overview of how the initial deposit of around Rp25\nmillion can be accumulated gradually, based on common financial\nconditions in society. If spread over two years, the initial deposit\nrequirement is not as large as it seems at first. With the assumption: -\nRp25 million divided by 24 months - Results in around Rp1 million per\nmonth - Or equivalent to approximately Rp30,000-Rp35,000 per day. For a\nmore concrete picture, here is a simulation based on several salary\nlevels. With a salary of Rp4 million: At this level, saving capacity is\nindeed limited. However, it is still possible if combined with\nadditional income sources. For example: - Routine savings of around\nRp800,000 per month - Additional from small business or freelance around\nRp400,000-Rp500,000. Thus, total savings can reach around Rp1.2-Rp1.3\nmillion per month. With this scheme, the Rp25 million target can be\nachieved in about 18-20 months. With a salary of Rp6 million: With more\nflexible income, savings allocation can be increased. For example: -\nSetting aside Rp1.5 million from the main salary - Plus additional\nincome of around Rp500,000. Total savings become around Rp2 million per\nmonth. In this condition, the initial Hajj deposit can be collected in\nabout 12 to 13 months. With a salary of Rp10 million: At this level,\nmathematically, the saving capacity is much larger. However, in\npractice, it is often eroded by lifestyle. If simple budgeting is done:\nAllocation of around 20% of income (\u00b1Rp2 million per month). Then the\nRp25 million target can be achieved in about 12 months. If added with\nirregular funds like THR and annual bonuses, the collection time can\neven be accelerated to less than one year.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/how-to-save-for-the-rp25-million-initial-hajj-regular-deposit-from-scratch-1776325856",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}