Endang Jumali
One of the problems in the Hajj is the management of pilgrim funds that raises the question of how law and the legitimacy of profit for the result of Hajj savings that are utilized without permission from pilgrims candidates who until now Hajj funds reached 98.34 trillion Rupiah. So the purpose of this article is to analyse the pattern of contracts made by Hajj pilgrims with Sharia Financial Institutions and BPKH (Hajj Financial Management Agency/Ministry of Religious Affairs) as a manager of Hajj funds. The conclusion of this article is that financial management of Hajj can be invested to support infrastructure financing and other investments because Hajj pilgrims have filled out and signed the wakalah contract form when paying the initial deposit of BPIH (Hajj Operation Fee). In the wakalah contract form, the Hajj pilgrim candidate as Muwakkil gives power to BPKH (Hajj Financial Management Agency) as Wakil (the Vice). So it is possible for the manager (BPKH) to do the optimization of the value of the Hajj funds and still prioritize the security/integrity of the pilgrims. Based on Law Number 34 Year 2014, the Government of Indonesia established Hajj Financial Management Agency (BPKH) which has the function to manage and supervise the investment of Hajj funds used in infrastructure and other investment financing in order to obtain optimal benefit value for the improvement of Hajj pilgrimage services by giving priority to security or the integrity of the pilgrim's fund.