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All Journal Jurnal Dinamika Ekonomi Syariah
Daffa Rezaldo, Ahmad
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Religion Economics, Econometrics & Finance

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PERBANDINGAN PRODUK EMAS DIGITAL DAN CICILAN EMAS DI BANK SYARIAH INDONESIA Daffa Rezaldo, Ahmad; Warsiyah, Warsiyah; Pandahayesti Saputeri, Noorikha; Fakhrurozi, Moh
Jurnal Dinamika Ekonomi Syariah Vol 12 No 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53429/jdes.v12i1.1201

Abstract

This study aims to compare digital gold products and gold installments offered by Bank Syariah Indonesia, focusing on their advantages, disadvantages, and relevance to customer needs. The scope of the research includes an analysis of the characteristics, transaction mechanisms, and consumer preferences for the two products. The method used is qualitative descriptive with data collection techniques through interviews, observations, and documentation. The results show that digital gold offers transaction flexibility and high liquidity, while gold installments provide physical ownership and protection against price fluctuations. However, digital gold is more susceptible to technological risks, while gold installments require a long-term commitment to payment. The conclusion of this study states that both products have advantages that can be adjusted to the goals and risk profile of each customer, so it is important for Bank Syariah Indonesia to continue to improve services and education related to gold investment.
PERBANDINGAN PRODUK EMAS DIGITAL DAN CICILAN EMAS DI BANK SYARIAH INDONESIA Daffa Rezaldo, Ahmad; Warsiyah, Warsiyah; Pandahayesti Saputeri, Noorikha; Fakhrurozi, Moh
Jurnal Dinamika Ekonomi Syariah Vol. 12 No. 1 (2025): Jurnal Dinamika Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah, Institut Agama Islam Pangeran Diponegoro Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to compare digital gold products and gold installments offered by Bank Syariah Indonesia, focusing on their advantages, disadvantages, and relevance to customer needs. The scope of the research includes an analysis of the characteristics, transaction mechanisms, and consumer preferences for the two products. The method used is qualitative descriptive with data collection techniques through interviews, observations, and documentation. The results show that digital gold offers transaction flexibility and high liquidity, while gold installments provide physical ownership and protection against price fluctuations. However, digital gold is more susceptible to technological risks, while gold installments require a long-term commitment to payment. The conclusion of this study states that both products have advantages that can be adjusted to the goals and risk profile of each customer, so it is important for Bank Syariah Indonesia to continue to improve services and education related to gold investment.
Co-Authors Fakhrurozi, Moh Pandahayesti Saputeri, Noorikha Warsiyah Warsiyah, Warsiyah