Financial Behavior in Gold Invesement in Syaria Bank

Raishafa Zahirah Shofa, Imam Mukhlis

Abstract


Cicil Emas is one of the sharia-compliant investment instruments offered by Bank Syariah Indonesia (BSI), allowing customers to gradually own gold through an installment scheme based on the murabahah and rahn contracts. The purpose of this study is to explore how the Cicil Emas product is utilized at BSI KCP Mojokerto Gajah Mada and to understand consumer interest and investment objectives related to the product. The findings, based on a qualitative approach and field observations, indicate that customers choose Cicil Emas due to its structured payment system, fixed initial pricing, and adherence to sharia principles. Most customers use this product for long-term investment and to preserve wealth. However, limited knowledge of Islamic finance remains a challenge. Therefore, to increase the market penetration of the Cicil Emas product, enhanced financial education and improved digital marketing strategies are necessary.

Keywords: Sharia Investment, Cicil Emas, Financial Literacy, Islamic Banking.

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References


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