In Islam, repaying a debt takes precedence over performing Hajj if the person is unable to afford both. Here’s why:
*Islamic Principles:*
1. *Debt repayment is obligatory*: Paying off debts is a fundamental Islamic obligation (Quran 2:280-281).
2. *Hajj is conditional*: Hajj is only obligatory for those who have the financial means (Quran 2:197).
*Priority Order:*
1. Repay debts, especially if they are:
– Urgent or overdue.
– Causing harm or hardship to others (e.g., affecting creditors).
2. Once debts are settled, consider performing Hajj if financially able.
*Islamic Rulings:*
1. The Prophet Muhammad (peace be upon him) said, “Pay off your debts, for the debtor is not considered one of the righteous until he pays off his debt.” (Tirmidhi)
2. The Quran emphasizes debt repayment: “O you who believe! Fulfill your contracts.” (Quran 5:1)
*Exceptions:*
1. If the debt is interest-based (Riba), seek guidance from a scholar on how to proceed.
2. If the debt is owed to a family member or friend, consider negotiating a payment plan or seeking assistance.
*Consultation:*
If unsure about prioritizing debt repayment over Hajj, consult:
1. Local Islamic scholars or imams.
2. Islamic financial advisors.
3. Reliable Islamic websites or fatwa platforms.
Remember, prioritizing debt repayment demonstrates financial responsibility and adherence to Islamic principles.
*References:*
1. Quran 2:280-281, 5:1
2. Hadith (Tirmidhi)
3. Islamic Fiqh Council resolutions
4. Fatwas from reputable Islamic scholars and organizations.