First of all, it should be clear that the fundamental attitude of Islam towards man’s position in the world is that Allah the Almighty has made the earth for his benefit. He has given him control over it. Then it becomes man’s duty to profit from this favor and to exert himself to seek Allah’s bounties throughout the earth.
It is not permitted for a Muslim to stay idle doing nothing to make a living on the pretext of devoting his life to worship or putting his trust in Allah. He should know that the sky never rains gold or silver. Also, it is not permissible for him to depend on charity while he is able to earn a sufficient subsistence for himself and his family through his own efforts. In this regard, the Prophet (peace and blessings be upon him) says: “Charity is not lawful either for the rich nor for the able bodied.” (At-Tirmidhi)
Sheikh Ahmad Kutty, a senior lecturer and Islamic scholar at the Islamic Institute of Toronto, Ontario, Canada, states: Allah says, (Pilgrimage unto the House (of Allah) is a duty owed to Allah by all people who are able to undertake it) (Aal `Imran 3:97)
Based on the above, Hajj is obligatory only if a person has the financial means. This has been defined by the scholars as having in his possession sufficient resources or funds to support his family and each of his dependents for the duration of his absence from home. Besides this, he must also possess the fare and provisions for his journey — all earned through lawful means of income — after being free from debts that are outstanding.
Since Islam teaches us to be self-reliant and not to become a burden on others, scholars are of the opinion that it is not even desirable for a person to go for Hajj if he has been offered financial help by others. Such financial help makes him obliging unto others. This ruling of the jurists demonstrates to us the sensitivity of the Shari`ah towards safeguarding the honor and self-esteem of its adherents.
Therefore, if a person is discouraged from performing the Hajj with funds freely offered by others, how can we justify soliciting others for assistance?
This is undoubtedly undesirable and should never be encouraged. The Prophet (peace and blessings be on him) has condemned begging as unseemly for a true believer. He has only permitted it for a person in extremely dire circumstances, and for sure going for Hajj is not one of them.
In conclusion: let us say: all those who encourage people who are soliciting funds for Hajj are condoning an undesirable practice.