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Journal : JPNM : Jurnal Pustaka Nusantara Multidisiplin

Tabungan Emas sebagai Instrumen Perencanaan Keuangan Ibadah Haji: Studi Kasus Bank Syariah Indonesia Setiawan, Lukman; Khoirunnisa; Nazli , Rizal Sjarief Sjaiful
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 3 No. 2 (2025): July : Jurnal Pustaka Nusantara Multidisiplin
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v3i2.524

Abstract

This study aims to analyze the effectiveness of gold savings as a financial planning instrument for Hajj in Indonesia, using Bank Syariah Indonesia (BSI) as a case study. A descriptive quantitative approach was employed, utilizing secondary data from internal BSI reports, gold prices, Hajj costs, and the Indonesian Composite Stock Index (IHSG). The results indicate that gold serves as an effective hedge; while Hajj expenses continue to rise annually, the required grams of gold decrease over time, reflecting the assets intrinsic stability and inflation resistance. However, gold savings adoption among BSIs Hajj customers remains low (1.72%), despite significant market potential. Barriers to adoption include limited Islamic financial literacy, insufficient product promotion, and a lack of integration between gold and Hajj savings systems. This study recommends product integration, segmented financial education, and the enhancement of digital features to improve adoption and position gold savings as a strategic, Sharia-compliant tool for Hajj financial planning.
Co-Authors Abduh, Thamrin Abdul Haris Abdul Haris Abdul Karim Abri Abri, Abri Abubakar, Herminawaty Adimuntja, Revoluance Ahmad Muchlis Akhtar SRED, Moh. Amalia, Intan Fauzia Andriawan, Ahmad Rafli Arif Budiman Arisal Hasan Awaluddin, Andi Baharuddin, Sitti Mujahida Bimawardana, Putra Raihan Cahyono Cahyono Chahyono, Chahyono Dakhri, Dakhri Darman Darman Erniwati Erniwati Fatma Firman Menne Fitri, Sunarya Hadianto, Hadianto Haerida, Muh. Akmal Hamrin, Haryanti Hasanuddin Remmang, Hasanuddin Hasfi, Wirawan Hasrawati, Hasrawati Herminawati Abubakar, Herminawati Hidayat, Dian Nurul Salis Husain, Fita Paramitha Ibrahim, Ely Indrawati, Fitria Indri Wahyuningsih Kahar, Agus Kaslam Kaslam KHOIRUNNISA M. Nawir, M. Ma'ruf, Fatmah Mahmuddin, Mahmuddin M. Mane, Arifuddin Mariana, Putri Mas'uri, Fadli Muh. Kafrawi Yunus Muhammad Idrus Muhammad Yusuf Muhammad Yusuf Nasrul Nasrul Nazli, Rizal Sjarief Sjaiful Nur Fadhila Amri Nurdyansa Nurhilalia Nurhilalia Nurhilalia, Nurhilalia Nuryadin, A. Erwin Paris, Andi Yusran Rahmah MH, A'isya Mulia Rahman, M. Jamil Ramli Ramli Rante, Ardo Rerung, Regifiantho Tandi Roring, Frederick Rukmidi, Edi Ruslan, Muhlis Sapiri, Muhtar Sari, Dwi Oktia Sarjito, Aris Sating, Waspada Sembiring, Rinawati Sirappa, Jeslin Rombe Sitti Azzahrah Abdullah Sitti Mujahida Baharuddin Soemarno, Partono SRED, Moh. Akhtar Suhaena Suhaena Sukmawati Mardjuni Sukmawati Mardjuni, Sukmawati Suleman, Marno Supardi Supardi Supriadi Supriadi Suriani, Seri Susanto Susanto Syahrier, Andi Ersya Syarifuddin Syarifuddin Tati Murniati Thanwain, Thanwain Trisetiawan, Ardhyanto Wahyuni, Vini Waluyo, Agnesia Wira Tyasti Yunus, Kafrawi Yusran Paris, Yusran Yusuf Ali Yusuf, Maryam