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NAHCON’s Hajj Savings Scheme: A Path to Affordable Pilgrimage in Nigeria
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One of the greatest challenges faced by prospective pilgrims is raising the full payment for Hajj straight away. The cost ranges between ₦8.3 million to ₦8.7 million for Nigerian pilgrims in 2025. Instead of taking on debts or liquidating assets to meet these costs, the Hajj Savings Scheme offers an alternative by spreading the financial burden over several years, making it less daunting for participants.
For millions of Nigerian Muslims, the Hajj pilgrimage represents not only a religious obligation but also a lifetime spiritual aspiration. However, the global rising cost of performing Hajj, has made the journey increasingly out of reach for many. Timely enough, the National Hajj Commission of Nigeria (NAHCON) had introduced a promising initiative: the Hajj Savings Scheme (HSS). This scheme offers Nigerian Muslims a structured, long-term planning approach to fund their pilgrimage.
If fully embraced by both the government and the Muslim community, the Hajj Savings Scheme has the potential to make Hajj more affordable, accessible, and financially sustainable for Nigerians in the future.
The Hajj Savings Scheme, developed by NAHCON in collaboration with Jaiz Bank, is designed to help prospective pilgrims save for Hajj gradually over time. Through the scheme, individuals can make regular contributions to a dedicated account, earning interest-free returns while accumulating sufficient funds for the pilgrimage.
The scheme not only addresses the immediate financial pressure of Hajj payments but also promotes a culture of financial discipline and long-term planning within the Muslim community.
Key Benefits of the Hajj Savings Scheme
1. Ease of Financial Planning
One of the greatest challenges faced by prospective pilgrims is raising the full payment for Hajj straight away. The cost ranges between ₦8.3 million to ₦8.7 million for Nigerian pilgrims in 2025. Instead of taking on debts or liquidating assets to meet these costs, the Hajj Savings Scheme offers an alternative by spreading the financial burden over several years, making it less daunting for participants.
2. Stability Amid Rising Costs
Global inflation, exchange rate fluctuations, and increased costs of services in Saudi Arabia have contributed to higher Hajj fares. By saving over time, individuals are less vulnerable to sudden price hikes. Additionally, the scheme allows NAHCON to lock in early contracts with Saudi service providers, potentially securing lower costs for accommodation, transportation, and other services.
3. Subsidy Opportunities Through Government Partnership
If widely adopted, the Hajj Savings Scheme could encourage greater governmental involvement in subsidizing or supporting Hajj costs. Countries like Indonesia and Malaysia have demonstrated how effective savings schemes can make Hajj affordable. In Indonesia, for instance, the government uses funds from its Hajj savings program to provide subsidies for pilgrims, resulting in fares that are significantly lower than Nigeria’s. Nigeria could emulate this model, using contributions from the HSS to negotiate better deals and provide financial relief to pilgrims.
4. Promoting Financial Inclusion
The HSS also aligns with efforts to promote financial inclusion, particularly for low- and middle-income Nigerians. By providing an accessible platform to save for Hajj, it empowers more Muslims to achieve their religious aspirations without facing undue financial hardship.
The Nigerian government has a crucial role to play in ensuring the success of the Hajj Savings Scheme. First, it must provide policy support and incentives that encourage participation. For example, introducing tax benefits for HSS contributors could motivate more people to join.
Second, the government can work with NAHCON to ensure transparency and efficiency in the management of funds. Building public trust in the scheme is critical, as skepticism about financial mismanagement could deter potential participants.
Finally, the government can leverage HSS funds to negotiate more affordable Hajj packages. Bulk purchasing of services such as flights and accommodation would lower costs for Nigerian pilgrims, creating a win-win situation for all stakeholders.
While government support is important, the success of the HSS ultimately depends on the buy-in from Nigerian Muslims. The Muslim community must recognize that the Hajj Savings Scheme is a practical solution to the financial challenges associated with Hajj. Religious leaders, Islamic organizations, and community groups have a significant role to play in raising awareness about the scheme and educating Muslims on its benefits.
Beyond financial savings, the scheme also aligns with Islamic values of planning, discipline, and financial prudence. By adopting the HSS, Nigerian Muslims can not only fulfill their religious obligations but also set an example of responsible financial management for future generations.
A Vision for the Future
If properly utilized, the Hajj Savings Scheme could revolutionize the way Hajj is organized and funded in Nigeria. Over time, it could reduce the financial stress associated with the pilgrimage, enabling more Muslims to participate without compromising their financial stability. Additionally, the scheme could help Nigeria transition toward a more efficient, subsidized Hajj system similar to those in Indonesia and Malaysia.
By embracing the HSS, the Nigerian government and Muslim community can work together to ensure that the Hajj remains a cherished, attainable experience for all. It is time for Nigeria to fully commit to this innovative initiative, paving the way for a more affordable and sustainable future for pilgrims.
Shafii is a staff of NAHCON.
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Tinubu Declares End to Neglect of FCT Satellite Towns as Karu Water Project Comes on Stream(Photos)
President Bola Ahmed Tinubu on Monday, declared that the era of neglect of satellite towns in the Federal Capital Territory (FCT) is over, saying his administration remained committed to ensuring that basic infrastructure and public services reach communities long excluded from development.

Tinubu, represented by Vice President Kashim Shettima, made the declaration while commissioning the Water Supply Network to Karu Satellite Town and Environs in Kurudu Community along the Karu-Karshi Road, Abuja.
Describing access to clean water as a fundamental human right, the President said the project was a practical demonstration of the administration’s resolve to translate the Renewed Hope Agenda into tangible benefits for ordinary Nigerians.
“We are here not just to cut a ribbon, but to breathe life into a fundamental human right that has eluded this bustling community for far too long. Today, we declare that the era of neglect for our satellite towns is officially over,” Tinubu said.
He recalled that when the administration launched the Renewed Hope Agenda, it entered into what he described as a “sacred covenant” with Nigerians to ensure that governance delivers meaningful improvements in people’s lives.
According to him, the government was determined to move beyond policy pronouncements and provide critical infrastructure to underserved communities.
“When we launched the Renewed Hope Agenda, we promised that governance would no longer be a theoretical exercise confined to the boardrooms of city centres while our people in the periphery thirsted for basic amenities. We promised a government that listens, plans and delivers,” he said.
The President revealed that the Karu Water Supply Project was conceived following his directive that the Greater Abuja Water Supply Project should not be limited to the city centre but extended to satellite communities where a large proportion of the FCT’s working population resides.

He noted that the administration approved funding for the project without bureaucratic delays, enabling contractors, CGC Nigeria Limited, to complete the work ahead of schedule.
The project, he said, comprises more than 194 kilometres of secondary and tertiary pipeline networks designed to provide treated and potable water to residents of Karu, Orozo, Jikwoyi, Kurudu and neighbouring communities.
“To demonstrate our commitment, we did not allow the traditional shackles of bureaucratic delay to obstruct funding. Because we paid on time, the contractors worked on time. Today, ahead of schedule, we are commissioning over 194 kilometres of pipeline networks bringing safe and potable water directly to the doorsteps of our people,” he said.
Tinubu used the occasion to commend the Minister of the Federal Capital Territory, Nyesom Wike, for what he described as impactful leadership and efficient project execution.
“Leadership is not measured by the eloquence of television commentary or the bitterness of empty rhetoric. Leadership is measured by tangible, verifiable impact on the lives of ordinary citizens.
“What we are witnessing in the FCT today across transport, healthcare, education, housing, roads and now water infrastructure is a testament to what happens when vision meets executive capacity. Thank you, Mr Project, for your leadership,” he said.
The President observed that residents of Karu had, for decades, depended on boreholes and water vendors despite the rapid growth of the community, stressing that the project would improve public health, sanitation and economic productivity.
He also urged residents to protect the infrastructure from vandalism and illegal connections.
“This infrastructure belongs to you. It was built with your commonwealth and designed for your well-being. I urge you to safeguard these installations and treat this water as the precious resource that it is,” he added.
Earlier, Wike expressed appreciation to the President for supporting people-centred projects across the FCT, particularly in satellite communities that have historically suffered infrastructure deficits.
The minister said the Karu Water Supply Scheme was executed in direct response to Tinubu’s directive that critical infrastructure should extend beyond the city centre to communities on the outskirts of Abuja.
According to him, the FCT Administration remained committed to implementing projects and programmes that improve the quality of life of residents across the territory.
Also speaking, Minister of State for the FCT, Dr Mariya Mahmoud, described the project as a landmark achievement in the Federal Government’s commitment to improving living conditions through strategic infrastructure investment.
She said the water network fulfilled a long-standing aspiration of residents and reflected the practical impact of the Renewed Hope Agenda.
Mahmoud noted that the project would enhance public health, strengthen sanitation, stimulate economic activities and reduce the burden faced by families who have endured years of inadequate access to potable water.
She called on residents to take ownership of the facility to ensure its sustainability for future generations.
Providing an overview of the project, Executive Secretary of the Federal Capital Development Authority (FCDA), Richard Dauda, said the scheme was designed to improve access to potable water in Karu and surrounding communities.
According to him, the project utilised an existing reservoir and connected more than 1,000 distribution lines to serve Karu, Jikwoyi, Kurudu and adjoining settlements.
Dauda thanked President Tinubu for supporting what he described as a transformational intervention that would significantly improve the welfare of residents.
For years, residents of the Karu axis have relied heavily on private boreholes and water vendors, with community leaders repeatedly calling for the extension of municipal water services. The new network is expected to reduce dependence on unsafe water sources and lower water costs for households and businesses in one of Abuja’s fastest-growing satellite towns.
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110bn SUVs Procurement: Respect Separation of Powers, pro-democracy group warns critics of N’Assembly
A pro-democracy organisation, the Advocates of Social Justice for All (ASJA), has warned Civil Society Groups and critics of National Assembly over the controversial N110 billion reportedly spent on the procurement of official vehicles and support allowances for lawmakers in 2023, to stop undermining the institution of the Parliament.
A Federal High Court sitting in Lagos, had penultimate Wednesday, declared that the sum of N40bn used to procure 360 Sports Utility Vehicles (SUVs) for Members of the House of Representatives, and 109 SUVs for Members of the Senate; and the sum of N70bn used for support allowances for the newly inaugurated Members of the 10th National Assembly, as appropriated for in the 2022 supplementary budget, did not meet the standard procurement laws.
Declaring the appropriation and expenditure of the total sum of N110bn by the National Assembly as “unlawful”, Justice Yellim Bogoro ordered the Senate President, Senator Godswill Akpabio, and Speaker of the House of Representatives, Hon. Tajudeen Abbas, “to ensure that all future procurements or expenditure of public funds by the National Assembly comply strictly with due process requirements and are also guided by the principles of transparency, accountability and value for money.”
Two weeks after the judgement, the Plaintiff in the matter, the Socio-Economic Rights and Accountability Project (SERAP), in a statement, insisted that Members of the National Assembly must refund the said N110bn to the Federal Government coffers.
But in a statement issued on Monday, ASJA questioned the recent judgment of the Court which reportedly declared the expenditure unlawful, arguing that the ruling raises significant constitutional issues concerning the operational autonomy of the legislature.
The statement signed by Dr. Torkuma Asongo, the Executive Director, the group maintained that the National Assembly, as an independent arm of government, possesses the constitutional authority to make budgetary provisions necessary for the effective discharge of its legislative responsibilities.
According to the group, the procurement of official vehicles for federal lawmakers should not be interpreted as an act of extravagance, but rather as a necessary measure to enable legislators effectively carry out oversight functions, constituency engagements, committee assignments, and other official duties across the country.
“The National Assembly remains one of the critical institutions of democracy, and its Members require adequate operational support to effectively discharge their constitutional mandate. Official vehicles for lawmakers should be regarded as essential tools for legislative work rather than luxury items,” the statement read.
The group also criticised the call by SERAP for the refund of the funds, describing the move as premature and potentially capable of generating unnecessary institutional tension.
It argued that, rather than exerting public pressure on the legislature, concerned parties should allow the judicial process to run its full course, including any appellate proceedings.
ASJA further emphasised the importance of upholding the doctrine of separation of powers, cautioning against actions that could undermine the independence and integrity of the legislature.
“The principle of separation of powers is fundamental to constitutional democracy. While accountability and transparency remain essential, care must be taken to ensure that the constitutional independence of the legislature is not eroded through undue interference or public sensationalism,” the group warned.
ASJA urged civil society organisations and other stakeholders to approach issues concerning the National Assembly with objectivity and restraint, noting that sustained efforts to delegitimise the parliament could weaken democratic institutions and diminish public confidence in governance.
The group therefore called for continued respect for the National Assembly as the country’s foremost representative institution, insisting that strengthening democratic institutions remains essential to Nigeria’s democratic consolidation.
News
South Africa deploy security personnel nationwide ahead of anti-migrant deadline
South African police will beef up security nationwide ahead of a June 30 deadline set by fringe anti-illegal immigration groups for undocumented foreigners to leave, law enforcement authorities said on Monday.
The country, one of Africa’s largest and most industrialised economies, has been on edge following weeks of sometimes violent xenophobic unrest that has left at least two people dead.
Small but organised groups have issued an ultimatum for undocumented migrants to exit or face consequences, a demand with no legal force.
“The South African Police Service has elevated its operational readiness across all provinces, with comprehensive deployment plans in place to protect communities, critical infrastructure and key public spaces,” acting police minister Firoz Cachalia said.
He stressed the right to peaceful protest but warned: “Criminality, intimidation, violence, the destruction of property and any attempt to undermine public safety will not be tolerated”.
The military would secure strategic sites such as airports and stand ready to assist police if needed, said Defence Minister Angie Motshekga.
“Indeed, if, and I hope it is not going to reach that point, called upon by the police to support, we will, but basically ours is around the key points,” she said.
South Africa, a longstanding magnet for migrant labour, faces joblessness above 30 per cent and a history of periodic anti-foreigner violence, fuelled by claims migrants drive crime and steal jobs.
Past flare-ups have been deadly: 62 people were killed in 2008 riots, with further outbreaks in 2015 and 2016.
Violence in 2019 saw armed mobs descend on foreign-owned businesses around Johannesburg, leaving at least 12 people dead — 10 of them South African citizens.
The latest tensions come ahead of local government elections scheduled for November 4.
During the voter registration at the weekend, gunmen shot dead four people linked to political parties in separate incidents.
Two of those killed were affiliated with the opposition Umkhonto we Sizwe (MK) party, which is headed by ex-president Jacob Zuma, South Africa’s leader between 2009 and 2018.
The third, a Democratic Alliance ward candidate, was shot in the Western Cape, while an African National Congress ward councillor was killed in the Eastern Cape.
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