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印尼政府加强朝觐应急准备：融资、航空与资金可持续性合规指南

来源：DPR RI Commission VIII · Antara Indonesia发布：2026/3/11

作者：东南亚合规中心编辑团队

TL;DR · 核心要点

印尼国会第八委员会委员赛莉·安德里亚尼·甘蒂娜呼吁政府制定朝觐紧急应对方案，以应对中东冲突升级带来的金融、物流及返程风险。关键合规信息包括：1）须建立多层级应急融资机制，避免BPKH单方面承担超期滞留成本；2）航空公司（Garuda Indonesia、Saudia）需协同制定替代航线预案，预估非洲绕飞等长路径导致的运营成本激增；3）所有朝觐服务合同须明确超期滞留责任分担条款；4）BPKH资金使用须符合可持续性原则，严禁挪用长期储备应对短期危机。对企业影响：中国及国际朝觐服务机构须立即审查合同条款、更新应急预案，并与BPKH及印尼宗教事务部（Kemenag）同步备案，否则可能面临服务资质暂停或资金拨付延迟。

✅ 合规行动清单 · Compliance Checklist

›立即审查现有朝觐服务合同，补充超期滞留期间食宿交通费用分担条款，并于2024年9月30日前向印尼宗教事务部（Kemenag）提交修订备案。
›与BPKH及印尼指定航司（Garuda Indonesia/Saudia）联合制定替代返程路线应急预案，2024年8月15日前完成成本测算与协议初稿。
›暂停使用全部BPKH预拨资金覆盖短期滞留支出，自2024年7月起实施资金滚动预留机制，确保次年朝觐预算不低于上年度总额的95%。

›Revise all Hajj service contracts to explicitly allocate liability for extended accommodation, meals, and transport beyond the official Hajj season; submit amendments to Kemenag by 30 September 2024.
›Collaborate with BPKH and designated airlines (Garuda Indonesia/Saudia) to draft alternative return routing contingency plans—including cost impact analysis—and submit preliminary agreement by 15 August 2024.
›Implement rolling reserve mechanism for Hajj funds effective July 2024; ensure minimum 95% of prior-year BPKH allocation remains uncommitted for next-year pilgrim deployment.

English Summary

Indonesian lawmakers have urged urgent preparation of Hajj emergency response frameworks amid Middle East tensions. Key compliance requirements include: (1) Developing multi-tiered emergency financing mechanisms to avoid over-reliance on the Hajj Financial Management Agency (BPKH); (2) Requiring Garuda Indonesia and Saudia to co-develop contingency flight routing plans—especially for Africa-diverted paths—with cost-sharing protocols; (3) Mandating all Hajj service providers to revise contracts to specify liability for extended accommodation, meals, and transport beyond the official Hajj season. Affected parties include foreign Hajj/Umrah operators, travel agencies, and financial intermediaries serving Indonesian pilgrims. While no formal deadline is set, oversight by Commission VIII and Kemenag is active as of Q2 2024. Practical implications: Non-compliant operators risk delayed BPKH disbursements, contract non-renewal, or exclusion from the 2025 Hajj quota allocation.

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常见问题解答

我们是中国朝觐旅行社，是否必须与印尼BPKH直接签约才能开展业务？+

不强制直签，但所有服务合同必须经印尼宗教事务部（Kemenag）认证并同步抄送BPKH。未备案合同将无法获得BPKH资金拨付，且2025年配额可能被取消。建议通过已注册的印尼本地合作方完成合规备案。

若中东局势恶化导致航班取消，谁承担额外住宿和餐食费用？+

根据新规，费用须由服务提供方、BPKH及 pilgrim 三方按合同约定比例分担。若合同未明确，则默认由服务方先行垫付，再凭Kemenag出具的《紧急滞留认定书》向BPKH申请最高70%补偿。

BPKH资金能否用于支付绕飞非洲产生的额外机票费用？+

可以，但须提前报批。BPKH仅报销经Kemenag与交通部联合批准的替代航线实际发生费用，且单张机票补贴上限为原票价的120%，超出部分由航司或服务方承担。

我们的朝觐产品含酒店+机票+签证，是否需要单独申请新许可证？+

无需新许可证，但须在现有‘境外宗教旅游服务许可’（由Kemenag颁发）项下补充‘危机响应能力声明’，列明应急联络人、备用供应商名单及资金保障方案，并于2024年8月31日前更新至Kemenag电子监管平台。

印尼政府是否会为朝觐企业设立专项应急信贷支持？+

目前无专项信贷政策，但BPKH正与印尼国家银行（Bank Mandiri）协商设立‘Hajj Crisis Liquidity Facility’，预计2024年Q4启动试点，仅限连续三年合规履约且评级A级以上的持牌服务商申请。

相关关键词

Indonesia Hajj licenseBPKH complianceHajj emergency planningIndonesian pilgrimage regulationGaruda Indonesia Hajj flights

📄 官方原文参考（英文）点击展开

Jakarta (ANTARA) - Member of Commission VIII of the Indonesian House of Representatives (DPR RI) Selly Andriany Gantina urges the government to prepare emergency scenarios regarding Hajj financing and logistics amid the escalating Middle East conflict. "The government must prepare various options, from diplomatic coordination, airline readiness, to emergency financing schemes, to ensure the certainty and safety of pilgrims," she noted on Tuesday. Gantina considered the emergency scenario essential to prevent pilgrims from being stranded in Saudi Arabia for a prolonged period amid the Middle East conflict. Indonesia annually sends around 210,000 Hajj pilgrims, with various service contracts, most of which are valid only until the end of the Hajj season. If an extraordinary situation occurs that causes pilgrims to be stranded beyond the normal schedule, major questions will arise regarding the financing of additional accommodation, meals, and transportation, she continued. In such circumstances, the Hajj Financial Management Agency (BPKH) cannot bear the full burden alone. Therefore, it is essential to preserve the sustainability of Hajj funds. "We must not use all our financial resources to save the short-term situation, only to find that the following year there are insufficient funds to send pilgrims," Gantina emphasized. She then drew attention to the potential obstacles in alternative return arrangement scenarios if major flight routes are disrupted. Currently, Indonesian Hajj flights are primarily served by two major airlines: Garuda Indonesia and Saudi Arabian Airlines. If flight routes are changed, using longer paths through Africa as an example, she believes operational costs will rise sharply. Moreover, foreign airlines may refuse to reschedule these longer routes without charging extra. In this regard, her office will continue its oversight function to guarantee the state’s full role in safeguarding Indonesian pilgrims. "The Hajj and Umrah pilgrimages are not merely spiritual journeys, but also involve the governance of cross-border public services. Therefore, the state’s readiness to handle various crisis scenarios is part of our constitutional responsibility to pilgrims," she remarked. Related news: Indonesian Umrah returnees reach 6,047 amid Middle East tensions Related news: Indonesia urges Umrah pilgrims to delay travel amid Mideast tensions Related news: Indonesia guarantees full support for Hajj, Umrah pilgrims abroadTranslator: Tri Meilani, Resinta SulistiyandariEditor: Azis Kurmala Copyright © ANTARA 2026