Is it permissible for a person to perform Umrah using their share from a savings association, knowing that their turn to withdraw the money coincides with the month of Ramadan?

If the association is one of the permissible cooperative societies, then there is no objection for a participant to perform 'Umrah or Hajj when their turn comes, or if the other participants agree to prioritize them. It is stipulated for the permissibility of this type of association that it be free from the condition of a loan with an increment.