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He can go to ‘Umrah even if he does not seek the creditor’s permission, as long
as there is enough money to cover the monthly installment, or that the installment
time is still as scheduled on the time agreed upon by the creditor and the debtor.
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Those who spend their wealth in charity day and night, secretly and openly—their reward is with their Lord, and there will be no fear for them, nor will they grieve.”
– The Holy Quran 2:274
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