Indonesia’s Hajj Financial Management Agency (BPKH) has proposed incorporating installment plans for initial Hajj deposit payments into its management ecosystem. This proposal is part of revisions to the Hajj Financial Management Law currently under consideration. Currently, these installment payments are held by various banks; BPKH aims to centralize their management. The move intends to improve the efficiency and transparency of Hajj fund management. BPKH believes centralizing these funds will allow for better investment returns and benefit prospective pilgrims. The revision aims to streamline the financial processes related to Hajj pilgrimage funding in Indonesia. This change seeks to optimize the use of Hajj funds while ensuring accessibility for those utilizing installment options.