GOLD INVESTMENT OPPORTUNITIES THROUGH GOLD INSTALLMENT PRODUCTS OF BANK SYARIAH INDONESIA KCP PROBOLINGGO

Lutfi Riadi, fitrotin indah saro
DOI: https://doi.org/10.33650/ijed.v3i2.10559



Abstract

Investment involves allocating a portion of one's wealth with
the expectation of future profits. Among various investment
options, gold has gained popularity due to its perceived safety
and profitability. One option for investing in gold is through
BSI's gold installment plan. This financing product enables
customers to acquire gold in the form of bullion by paying in
installments, structured under murabaha contracts. To initiate
this process, customers make an initial down payment of 20%,
with the remaining 80% payable in installments. This study
aims to explore potential investment opportunities available
through BSI's gold installment financing at the KCP
Probolinggo office. To achieve this, a qualitative descriptive
approach was employed through field research. The findings
indicate that opportunities for investment in gold installment
products are trending positively. Among the various
advantages, gold investments often prove to be more profitable
than cash, as they are less susceptible to inflation.
Furthermore, gold is easy to buy and sell, the margins offered
are competitive, and gold prices have historically shown an
upward trend each year.

Keywords

Investment, Bank Syariah Indonesia, Gold Installments

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