<![CDATA[This study examines how digital gold savings are perceived to support household financial resilience among women users of the Tring! by Pegadaian application, and how this practice can be understood from the perspective of Islamic economic law. Using a qualitative case study, in-depth interviews were conducted with four women who manage family finances and had used the application for at least three months. Five indicators of financial resilience guided the analysis: forming an emergency fund, meeting unexpected needs, controlling consumptive spending, saving consistently, and relying less on consumer debt. The findings show that informants saw gold savings as a way to separate reserve money from daily spending. Once converted into gold, money became harder to spend on impulse, and the reserve was used or set aside for health and education needs. Resilience remained partial, since balances were small, saving still depended on monthly income, and gold carries price risk and a gap between buying and selling prices. From an Islamic economic law perspective, the practice reflects the protection of wealth (hifz al-mal) and restraint from excess (israf), while its legitimacy depends on meeting the conditions for gold transactions in DSN-MUI Fatwa No. 77/DSN-MUI/V/2010, particularly constructive possession (qabd hukmi). The study contributes to the discussion of sharia-compliant fintech by showing that, for households, the value of digital gold savings lies less in investment returns than in the deliberate separation of reserve funds.]]>
