wa aliaikum us-salaam wa-rahmat ullaahi wa-barakaatuh.
(a) Jumhoor al-ulemaa' (vast majority of the scholars) agree that the
aqeeqa is a sunnah mustahabbah for those who are capable of doing it and
can afford it. Among its benefits are breaking the influence of the
shaitaan on the new-born. It is also permissible for a Muslim to make an
aqeeqah for himself if his parents did not perform it for him. Similarly,
he can do it for his children even if it is after many years if he didn't
do it when they were young.
Refer to the book "Tuhfat ul-Mawdood bi-Ahkaam il-Mawlood" by Imam Ibn
ul-Qayyim, Chapter 6: "The Aqeeqah and its Rulings", Part 19: "The Ruling
for One Whose Parents Did Not Perform an Aqeeqah--Should He Perform one on
His Own Behalf?" for more details. It is mentioned there that Ismaa'il ibn
Sa'eed al-Shaalanji asked (Imam) Ahmed regarding a man whose father
informed him that he did not perform an aqeeqah on his behalf--should he
perform it on his own behalf? He said,
"That is the father's duty." ...
and it was said, "Should one perform an aqeeqah on his own behalf as an
adult?" ... and I saw that it is preferrable if an aqeeqah was not
performed as a child then it should be performed as an adult, and (Imam
"If someone does that I would not discourage it or regard it as
(b) It is not mandatory for a person to take a loan in order to spend on an
aqeeqah. However, if he does it then it would be considered commendable as
per Imam Ahmed's opinion. It was related by Abi il-Harith that he asked
Abu Abdullah regarding one who doesn't have enough to perform an aqeeqah;
Imam Ahmed said,
"If he borrowed for it I hope Allaah would reward and
provide for him by virtue that he has observed a sunnah."
Refer to "Tuhfat il-Mawdood," same chapter, Part 11: "Regarding Borrowing
for an Aqeeqah and its Rulings and Benefits."