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Esy Nur Aisyah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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BSI Bank Gold Installment Program as One Solution for Hajj Payment Aisyah, Esy Nur; Akbar, Yodi Arizky
Proceeding Kilisuci International Conference on Economic & Business Vol. 3 (2025): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/kilisuci.v3i.6821

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 1 Research Finding: The Gold Installment Program offered by Bank Syariah Indonesia (BSI) is an effective solution to help prospective hajj 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 infrastructure for 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
Co-Authors Agus Hermawan Akbar, Yodi Arizky An Nisa Uswatun Ana Khabibatul Umami Aulia, Nadia Putri Budi Eko Soetjipto Budi Utami Dewi Nurjannah Didik Wahyudi Ega Saiful Subhan Erna Retno Rahadjeng Fachruddin, Mukhammad Hafidh Fadali Rahman Fadhil Bima Anandia Fahmi Alif Firmansyah Fauji, Diah Ayu Septi Firmansyah, Fahmi Alif Fitriyah, Fitriyah Hany Nur Mutiara Hariyono Hermawan, Bagus Imam Mukhlis Ismayantika Dyah Puspasari M. Fatkhur Rozi Mahmud Mahmud Maretha Ika Prajawati Mayasari, Nur Aulia Keysha Nihayatu Aslamatis Solekah Nur Latifah, Putri Putri Kurnia Widiati Putri Kurnia Widiati Rismayanti, Dwi Riswanti, Riswanti Rosida, Siti Nur Roziqin , Moh. Khoirur Safira, Wahyu Izza Saptaria, Lina Setiani Setiani, Setiani Sherina Zahrotun Nidiyah Siswanto Siswanto Siswanto Siti Lailatun Nikmah Sudarmiatin Uni Sasti Hadiah Uswatul Maulida, Lutfia Waridatul Afalia Yayuk Sri Rahayu Yona Octiani Lestari Yuliati - Zaharani, Chanina Mumtaza Zahro, Amellia