Kingdom of Saudi Arabia

By Zayyad I. Muhammad 

Hajj management in Nigeria is facing two main problems. Firstly, funding is tied to the dollar; once the dollar’s value fluctuates against the naira, the hajj fare becomes uncertain. This is currently happening. The second problem relates to flight schedules to and from Saudi Arabia, etc. These problems are twofold, so to speak, and should be collectively tackled by both the National Hajj Commission of Nigeria (NAHCON) and state Hajj commissions.

The solution to these problems could be as follows:

Firstly, the Nigerian hajj fare should be tied to or pegged to the Saudi Riyal. The Riyal is stable due to the country’s strong economic fundamentals and prudent financial management. Additionally, apart from pegging the Nigerian hajj fare to the Saudi Riyal, the National Hajj Commission of Nigeria should study the Malaysian hajj management model.

In Malaysia, the Hajj has a funding management system called the Tabung Haji. Research on the Malaysian system of hajj management indicates that it involves several components. The Tabung Haji (Pilgrims’ Fund Board) plays a crucial role in managing the financial aspects of Hajj for Malaysian pilgrims.

Malaysian Muslims intending to perform Hajj must make regular contributions to Tabung Haji. These contributions accumulate over time and cover expenses such as transportation, accommodation, and other logistical needs associated with Hajj. NAHCON also implements a similar savings scheme, albeit with limited success. It’s time for NAHCON to redesign the Hajj Savings Scheme in collaboration with banks and other financial institutions, particularly those offering Islamic banking services.

The new scheme should allow intending pilgrims to enter into an investment plan for more than one year. As pilgrims deposit funds into their accounts, the bank or financial institution would invest the money for a period ranging from 2 to several years. By the end of this period, pilgrims would have accrued enough funds for the Hajj fare, along with additional profits. This approach would streamline the process for both pilgrims and commissions, providing ample time for planning.

Taking a clue from the Malaysian Tabung Haji, it manages its funds through various Shariah-compliant investment instruments, such as equities, real estate, and sukuk (Islamic bonds). The returns from these investments sustain Tabung Haji’s operations and cover the costs of Hajj for Malaysian pilgrims.

In addition, the Malaysian Tabung Haji has achieved remarkable success by offering diverse Hajj packages customised to meet the needs and preferences of Malaysian pilgrims. These packages encompass a range of services, including luxury accommodation in Makkah and Madinah, transportation, meals, and guidance.

Moreover, Tabung Haji extends financial assistance to eligible Malaysian pilgrims who may require support to undertake the Hajj journey. This assistance may comprise subsidies for Hajj expenses or loans to cover pilgrimage costs, which can be repaid in instalments.

The National Hajj Commission has demonstrated commendable efforts over its three decades of existence. However, the current instability in the exchange rate between the dollar and the naira underscores the need for the commission to consider pegging the hajj fare to the stable Saudi Riyal. Additionally, NAHCON should revamp the Hajj Savings Scheme to offer long-term, Halal investment options for intending pilgrims. This approach would contribute to a more organised and financially sustainable hajj management system.

To achieve these goals, NAHCON should establish a diverse team comprising individuals from various sectors to assist in redesigning the Hajj Management System, particularly the pilgrim savings scheme.

Zayyad I. Muhammad writes from Abuja via zaymohd@yahoo.com.

By Abba Abdullahi Garba

There is an apparent misunderstanding of what a kingdom in the Arabian Peninsula (Saudi), Islam, and Muslims mean and what they represent, especially when it comes to the point of view of some Nigerians.

This short, precise, and well-clarified article, under 700 words, will differentiate these things and conclude with the reason why the Saudi Kingdom does not represent Muslims or Islam but Saudi Arabians.

Saudi Arabia Kingdom

The Saudi Kingdom rules Saudi Arabia and represents it worldwide. It acts as the president, prime minister, and legislative body of Saudi Arabia.

Anything that is outside Saudi land is outside the control of the Saudi Kingdom [from religion, spirituality, international politics, et cetera], except what directly relates to it or its citizens.

The Kingdom, just like its counterparts in Qatar, the UAE, and others, has the authority to allow things [like entertainment, sports, et cetera] to take place within their land. And that is their business, not Muslims!

Islam

Islam is a non-modifiable religion practised by over one billion people all over the globe. And those people come from all walks of life and different races.

However, what makes it the perfect choice for many people is the fact that there is no racism, discrimination, indecency, or so many other leftist things. It is a religion that uses over 1,400 years of old scripture, which, to date, no one has modified, and it will remain like that till the end of the world.

Islam does not have a representative country, kingdom, or race. Its representatives are the teachers who taught it appropriately, and even if they cannot modify its teachings, they must teach it the way it is.

Islam promotes peace, tolerance, love for each other, good manners, truthfulness, and honesty, among other things.

I can’t tell you everything about Islam right now because this article is supposed to be short. But, sincerely speaking, Islam is a way of life!

Muslims

Muslims are the people who accept and practice the teachings of Islam regardless of their race, country, or region. And when I say Muslims, I mean all Muslims.

And it is impossible to say this: all Muslims are good people, or all are bad! Some are good people, and some are bad people. Everywhere and in every religion, there are those kinds of people, good and bad.

And the behaviour of one Muslim does not represent Islam if it is against Islamic teachings. It represents that person, not his religion.

And the behaviour of a kingdom that rules a country of people who follow and practice Islam does not represent Islam; rather, it represents that country and its leaders.

Any Islamic preacher or ordinary Muslim whose actions or words are out of Islamic context does not represent Islam but rather his person.

Conclusion

Islam is a religion. Muslims are those who practice it. And the Saudi Kingdom does not represent Muslims or Islam. It represents the people of Saudi Arabia. And Muslims all over the world have no say in what the Kingdom of Saudi Arabia decides for its people in any aspect of life.

So, for those who think the Saudi Kingdom represents Islam, then it is time to change your perception on this topic, for Islam is a religion with no authoritative body that can speak or act on its behalf. And Muslims are those who practice it.

And you can be one too!

Abba Abdullahi Garba wrote from Zugachi, Kano, Nigeria. He can be reached via abbaabdullahigarba@outlook.com.

By Muhammadu Sabiu 

Soccer legend Cristiano Ronaldo has once again proved his prowess on the field by securing the coveted Golden Boot in the Arab Club Champion Cup. 

The iconic athlete, often hailed as the Greatest of All Time, emerged as the top scorer of the tournament, netting an impressive total of six goals across six matches. 

Ronaldo’s performance throughout the championship has left fans in awe, as he showcased his exceptional goal-scoring ability and unrivalled dedication. 

The Arab Club Champion Cup, known for bringing together some of the finest clubs from the Arab world, provided the perfect stage for Ronaldo to exhibit his talents.