Ref. No. 2065/44-2061
In the name of Allah the most Gracious the most Merciful
The answer to your question is as follows:
Taking usurious loans is absolutely forbidden. The prophet of Allah (saws) has cursed the one who takes usury, gives usury, writes usury and bears witness to it. (Mishkat: 244) Usury based transactions are completely forbidden; these things should not be taken lightly. There can be a scope for taking a loan only in a very dire need when there is no any other way. If need is not severe, then this loan is not permissible for you. In this case, it is not appropriate to perform Umrah with this amount.
It is also not permissible to take a usurious loan by pledging jewelry. If one is compelled to take loan in his severe need while he dislikes it, then he should not be blamed for it.
﴿ يَا أَيُّهَا الَّذِيْنَ آمَنُوا اتَّقُوا اللهَ وَذَرُوْا مَا بَقِيَ مِنَ الرِّبَا إِنْ كُنْتُمْ مُؤْمِنِيْنَ فَإِنْ لَّمْ تَفْعَلُوْا فَأْذَنُوْا بِحَرْبٍ مِّنَ اللهِ وَرَسُوْلِه وَإِنْ تُبْتُمْ فَلَكُمْ رُءُوْسُ أَمْوَالِكُمْ لَاتَظْلِمُوْنَ وَلَا تُظْلَمُوْنَ وَإِنْ كَانَ ذُوْ عُسْرَةٍ فَنَظِرَة إِلٰى مَيْسَرَةٍ وَأَنْ تَصَدَّقُوْا خَيْر لَّكُمْ إِنْ كُنْتُمْ تَعْلَمُوْنَ﴾[البقرة : ۲۷۸ إلى ۲۸٠ ]
’’عن عبد اللّٰه بن حنظلة غسیل الملائکة أن النبي صلی اللّٰه علیه وسلم قال: لَدرهمُ ربًا أشد عند اللّٰه تعالٰی من ست وثلاثین زنیةً في الخطیئة‘‘. (دار قطني)
And Allah knows best
Darul Ifta
Darul Uloom Waqf Deoband
