Debt: Incurred to help parents perform pilgrimage

Q147 :In order to call my parents to perform the pilgrimage, I am arranging a loan from my employers. How far is this acceptable?

A147 : Your keenness to help your parents perform pilgrimage is highly commendable. You are prepared to incur a debt for that purpose. That is a genuine mark of dutifulness. However, you are under no obligation to do that, either as a gesture of dutifulness or for any other reason. Incurring a debt is not something that Islam encourages, even when the reason for it is to perform a religious duty. Having said that, I wish to add that a pilgrimage financed by partially borrowed money remains valid. Therefore, if you go ahead and borrow from your employers in order to help your parents come for pilgrimage, their pilgrimage will be valid. Not all loans are the same. For example, if you are borrowing a relatively small amount which will be deducted from your salary over a few months and what is left from your salary is sufficient for your needs, then that is all right. Such an arrangement is definitely better than obtaining a personal loan, the repayment of which may represent a heavy burden. Moreover, if your position with your employers is such as to earn you a decent sum of money on the termination of your employment, either at the expiry of your contract or in the case of early termination, and that payment is enough to settle any outstanding part of your loan, then to borrow from your employers in order to help your parents do the pilgrimage is perfectly appropriate.

Our Dialogue ( Source : Arab News - Jeddah )