Umrah is a lifelong dream for every Muslim — including working professionals. Yet for many employees, turning that dream into reality feels out of reach, largely due to the high and ever-rising cost of Umrah packages. Setting aside a large sum of money while juggling daily expenses can take years of patient saving.
The good news? There's now an Umrah financing solution designed specifically for employees, allowing you to embark on your spiritual journey without waiting until your savings are fully stacked. This financing option is built to make your pilgrimage to the Holy Land more accessible and achievable. Read on to discover the estimated costs and requirements.
Umrah Cost Breakdown: Independent vs. Travel Package
Generally, Umrah can be performed in two ways: independently or through a travel agency. Each comes with different price tags, reflecting the varying levels of service, facilities, and convenience offered.
Independent Umrah tends to be more budget-friendly, typically ranging from IDR 22–35 million, depending on the facilities you choose. However, you'll need to handle everything yourself — from visa processing and flight tickets to accommodation in Makkah and Madinah. This option suits those who are experienced travelers or have ample time to manage all the logistics on their own.
On the other hand, Umrah through a travel agency generally costs between IDR 25–40 million per person. This package price typically covers visa fees, accommodation, transportation, and a religious guide — all bundled into one convenient package. While pricier, the key advantage is the ease and comfort of having everything professionally arranged for you.
So, how much should you budget if you opt for employee Umrah financing? The answer depends on the financing provider you choose. Take BFI Finance Syariah as an example — they exclusively finance Umrah through travel packages, with a variety of options available. Here's an estimated installment breakdown based on available loan tenors:
| Details | 12 Months | 24 Months | 36 Months |
| Cash Purchase Price | IDR 33,000,000 | IDR 33,000,000 | IDR 33,000,000 |
| Installment Sale Price | IDR 38,263,200 | IDR 43,638,000 | IDR 49,496,400 |
| Down Payment (DP) | IDR 4,950,000 | IDR 4,950,000 | IDR 4,950,000 |
| Admin Fee | IDR 1,500,000 | IDR 1,500,000 | IDR 1,500,000 |
| Remaining Balance | IDR 33,313,200 | IDR 38,688,000 | IDR 44,546,400 |
| Monthly Installment | IDR 2,776,100 | IDR 1,612,000 | IDR 1,237,400 |
Common Challenges Employees Face When Planning Umrah
Planning for Umrah as a working professional comes with its own set of hurdles — particularly when it comes to managing limited time and finances alongside everyday needs.
Here are some of the most common challenges employees encounter:
Savings get diverted by urgent needs. Money set aside for Umrah often ends up being used for unexpected expenses — medical bills, children's school fees, or home repairs — leaving your Umrah fund perpetually incomplete.
Umrah package prices keep rising. The longer you wait, the more expensive Umrah becomes. Delaying your plans year after year means you'll need to save even more just to keep up with rising costs.
No dedicated savings plan. Many employees don't have a consistent savings strategy, causing their Umrah fund to get mixed with general expenses and spent on other things. As a result, hitting the savings target becomes an ongoing struggle.
BFI Finance Syariah's Umrah Financing Solution for Employees
You don't have to spend years saving up every single rupiah before you can perform Umrah. BFI Finance Syariah offers a dedicated Umrah Financing product designed to help you make your pilgrimage dream a reality — sooner rather than later.
Simply prepare a down payment and pay the rest in manageable monthly installments over your chosen tenure. That down payment can even come from your THR (holiday allowance) or annual bonus — funds you're likely already receiving as an employee. This way, you're not held back by years of waiting.
BFI Finance Syariah has partnered with a wide range of Umrah travel agencies, giving you plenty of package options to suit your needs and budget. You can also choose your own preferred travel agency, subject to prior verification by BFI Finance to ensure the agency is credible and your Umrah journey runs smoothly.
All transactions are conducted using a Sharia-compliant contract (akad syariah), where BFI Finance Syariah sets a profit margin agreed upon upfront at the beginning of the agreement. This means your monthly installments remain fixed throughout the financing period — giving you complete peace of mind before, during, and after your Umrah.
How to Apply for Umrah Financing at BFI Finance Syariah
The application process is straightforward and relatively quick. You can visit the nearest BFI Finance branch or POS office directly, bringing the following required documents:
- Photocopy of your ID card (KTP) and your spouse's (if married)
- Photocopy of your Family Card (Kartu Keluarga)
- Proof of home ownership
- Proof of personal and spouse's income
- Minimum 2 years of employment as a permanent employee
- Tax Identification Number (NPWP)
Prefer to apply from the comfort of your home? You can also submit your application online through the official BFI Finance website. Here's how:
- On the BFI Finance homepage, click the "Products" menu at the top of the page.
- Select "Sharia Financing" and look for the "Umrah Financing" product.
- Click the "Apply for Umrah" button to begin the application process.
- Fill in the application form with your complete personal details and attach the required documents.
- Submit the form and wait for the verification process from the BFI Finance team.
That's a complete overview of Umrah financing options for employees — a practical solution for those who want to fulfill their ibadah to the Holy Land without the long wait. With transparent installments and full Sharia compliance, BFI Finance Syariah makes your journey to Makkah more within reach than ever before.
BFI Finance Syariah's Umrah Financing is one of the Sharia financing products operated under a Sharia contract, with no late payment penalties. Through this program, you can embark on your Umrah journey with ease and confidence.
All BFI Finance Syariah products are licensed and supervised by the Financial Services Authority (OJK) and the Sharia Supervisory Board (DPS), ensuring every transaction complies with both regulations and Islamic values. With this financing, you can perform Umrah with #FarGreaterPeaceOfMind — bersama BFI Finance Syariah.
