Should you take a loan to buy Udhiyah/Qurbani?

Q:  Is it obligatory to take out a loan in order to buy the udhiyah?.

A:  Praise be to Allah.

In article>5539 we stated that the scholars differed concerning the ruling on udhiyah and whether it is obligatory or>mustahabb (recommended). 

Shaykh Ibn Baaz (may Allah have mercy on him) said: 


“There is nothing in the shar’i evidence to indicate that it is obligatory. The view that it is obligatory is a weak view.”  Majmoo’ Fataawa Ibn Baaz, 18/36 

Moreover, those who say that it is obligatory state that being rich is a condition of it being obligatory. 

See Haashiyat Ibn ‘Aabideen, 9/452.

According to both opinions – the view that it is obligatory and the view that it is mustahabb – there is no need to take out a loan in order to buy the sacrificial animal, because it is not obligatory for one who is not rich, according to scholarly consensus.

Then there remains the question: is it mustahabb to take out a loan or not?

The answer is that it is mustahabb to take out a loan if there is the hope that one can pay it back, such as if a person has a job and takes out a loan until he gets his salary at the end of the month. But if there is no hope of paying it off, then it is better not to take out a loan, because then he is taking on a commitment for something that he is not obliged to do.

Shaykh al-Islam Ibn Taymiyah (may Allah have mercy on him) was asked about a person who is not able to offer the udhiyah – should he take out a loan?

He replied: 


“If he can repay and he takes out a loan so that he can offer a sacrifice, that is good, but he is not obliged to do that.”  Majmoo’ al-Fataawa, 26/305. 



However, Ibn Taymiyah (may Allah have mercy on him) was of the view that it is obligatory. 

Shaykh Ibn Baaz (may Allah have mercy on him) was asked: Is the sacrifice obligatory for one who cannot afford it? Is it permissible to buy the sacrifice on credit until a person gets his salary?

He replied: 


“The sacrifice (udhiyah) is Sunnah and is not obligatory… there is no sin on a Muslim taking out a loan to offer the sacrifice if he is able to repay it.” 



Source: Islam QA – Fataawa Ibn Baaz, 1/37.

Can I make up Udhiyah/Qurbani?

Q:  I know a Muslim [female] who has been earning since a few years but recently came to know that Qurbani is wajib on her because she is earning. How can she compensate for all those previous years for which she didn’t offer sacrifice.

A:  Praise be to Allah.


The scholars (may Allah have mercy on them) differed with regard to the ruling on udhiyah: is it obligatory or Sunnah mu’akkadah (a confirmed Sunnah)? The correct view is that it is Sunnah mu’akkadah for the one who can afford it, but there is no sin on the one who does not do it.

For more information, please read article 5539 and 5540.


If a person does not offer udhiyah although he can afford to do so, he/she is missing out on a lot of rewards that results from offering the sacrifice, but he/she is not sinning, and he does not have to make up what he missed in years past, because udhiyah is Sunnah and the time for it has gone. This is the case if he/she did not make a vow to offer a sacrifice, in which case it is obligatory for him/her to fulfill his/her vow and offer udhiyah.

It says in al-Mawsoo’ah al-Fiqhiyyah (34/46): “If a person does not offer a sacrifice before the time has passed, if it was a voluntary sacrifice he should not offer it; rather he has missed the opportunity to offer a sacrifice this year. But if it was a vow, he has to offer a sacrifice and make up what he was obliged to do.”

Based on that, if she wants to offer udhiyah, then from now onwards she has to prepare ahead of time, so that when the next Eid al-Adha comes, in sha Allah, she will have prepared her sacrifice beforehand, so she will not have missed the time for udhiyah, as happened in the past.

We ask Allah to help us and you to do that which He loves and which pleases Him, and to accept righteous deeds from us and from you.

And Allah knows best.

Hajj and the Animal Sacrifice

I have deep roots in America. Some of my father’s forbears migrated to the Virginia Colony in 1609, and on my mother’s side are ancestors who fought with Washington and Lincoln and a great grandfather who was a Pony Express rider. Until I was sixteen, I myself had had an upbringing generally regarded as typically American, Midwestern, middle class and Protestant. I grew up in Bay City, Michigan, belonged to the Episcopal Church, went to Sunday School and sang in the church choir.

At sixteen however, I discovered the Qur’an. These words (of the first chapter), simple, and direct, so impressed me that I immediately set out to memorize them. Indeed they drew me into Islam, an example perhaps of Prophet Muhammad’s assertion that everyone is born a Muslim and made a Jew or a Christian by his parents.

From that time forward I charted my life on the direction of Mecca…

Before I had embarked on the Pilgrimage, its rituals seemed to me just so many curious exercises. But as I participated in the event of the Pilgrimage, the meaning of these rites unfolded, my understanding of Islam was deepened and I learned more fully what it meant to be a Muslim. Indeed, this is why God had commanded Muhammad to issue the call for the pilgrimage: ‘That they (the pilgrims) may witness things that are of benefit to them…’ (The Quran 22:28)

(For example, towards the end of the Hajj when the time of making the Sacrifice came), I began to feel uneasy. Since I have not completely outgrown the tender-heartedness I had known as a child, I had balked at the idea of the Sacrifice long before being confronted with it and now the time had come to do it. What was I to do? As a girl I had cared for lost dogs or stray cats, adopting any fledgling that had fallen its nest, splinting a bird’s broken leg with matchstick and feeding injured butterflies on sugar syrup. But a companion had been adamant. ‘You must do the Sacrifice’.

Back at our building in Mina I turned to the Qur’an. I found that the Sacrifice has many meaning: it commemorates Abraham’s offering of his son’s life and God’s rejection of this sacrifice in exchange for Abraham’s submission to God’s will; it marks the end of idolatry among Arabs; it is an offering of thanksgiving to the God of Creation Who has been so benevolent to mankind; and it teaches the well-to-do to share their blessings to ‘eat thereof (the Sacrifice) and feed the beggar and the suppliant’. (Qur’an 22:36)

As I pondered what I had read, a great weight was lifted from my conscience. I suddenly saw that the Sacrifice upholds the sacredness of life, that it, in fact, constitutes a pledge by the pilgrim that he will slay for sustenance only. And where I had felt reluctance before, I know felt eagerness to fulfill all the requirements of my pilgrimage.

As printed in “Islam the natural way” by Abdul Wahid Hamid