BSI Bank Gold installment Program as one solution for Hajj payment

Aisyah, Esy Nur ORCID: https://orcid.org/0000-0001-9448-4277 and Akbar, Yodi Alrizky (2025) BSI Bank Gold installment Program as one solution for Hajj payment. Presented at Kilisuci International Conference on Economic & Business, 26 April 2025, Universitas Nusantara PGRI Kediri.

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Abstract

Research aim:This article discusses in depth how the Gold Installment Program works, what is good and what is bad, and why education and risk management are essential to its successful implementation. See how this program can help people perform the hajj pilgrimage more easily and safely.Design/Methode/Approach:The qualitative research method is interviews with BSI bank employees KCP Pasuruan Sudirman 1Research Finding:The Gold Installment Program offered by Bank Syariah Indonesia (BSI) is an effective solution to help prospectivehajj pilgrims in Indonesia overcome the high cost of the Hajj. This program allows people to buy gold bullion in instalments, making it easier to manage their finances and providing protection against inflation. Despite challenges such as gold price fluctuations and the need for secure storage infrastructure, this program offers the advantage of being a stable investment.Theoretical contribution/Originality:Using the murabahah contract, BSI ensures that prospective hajj pilgrims can choose the instalment period according to their financial capabilities and manage the funds collected to ensure the availability of funds when departing for Hajj.Practitionel/Policy implication:Providing adequate infrastructurefor gold storage, supervision, and quality human resources. Safe and secure storage facilities and human resources proficient in financial management, risk management, and logistics management are needed, considering the gold that will be stored and supervised. It shows that the gold remains safe and the gold instalment program will run well.Research limitation:This research is only based on perceptions based on interviews, for further research you can use a quantitative approach

Item Type:	Conference (Paper)
Keywords:	Gold Installment Program; Hajj Payment; Investment; Inflation
Subjects:	15 COMMERCE, MANAGEMENT, TOURISM AND SERVICES > 1502 Banking, Finance and Investment
Divisions:	Faculty of Economics > Department of Islamic Banking
Depositing User:	Esy Nur Aisyah
Date Deposited:	13 Jul 2026 14:51

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