IJEFSD
Vol. 7 No. 3 (2025): International Journal on Economics, Finance and Sustainable Development (IJEFSD

Analysis of the Role of BSI Gold Pawn and Gold Installment Products in Increasing Sharia Financial Inclusion: An SDGs Perspective

Ninda Ardiani (Muhammadiyah University of Sidoarjo, Indonesia)
Lathifatul Khoirun Nisa (Muhammadiyah University of Sidoarjo, Indonesia)



Article Info

Publish Date
31 Mar 2025

Abstract

This study was conducted to examine the role of Bank Syariah Indonesia's (BSI) Gold Pawn and Gold Installment products in increasing Islamic financial inclusion and helping achieve SDGs Goal 8 on Decent Work and Economic Growth. The study was conducted using a qualitative approach through a case study at BSI KCP Sidoarjo Cemengkalang, with data sources consisting of interviews with pawn officers, marketing, and Branch Managers, as well as secondary data such as BSI's annual report, OJK publications, SNLIK, and national media coverage. The Gold Pawn product aims to meet the short-term liquidity needs of the community, especially MSMEs, while the Gold Installment product tends to be positioned as a real asset-based investment instrument. The continuous growth of BSI's gold business reflects the strengthening credibility of Islamic financial products. Overall, both products play a role in encouraging inclusive economic growth, empowering MSMEs, and improving community welfare in a sustainable manner.

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Journal Info

Abbrev

IJEFSD

Publisher

Subject

Economics, Econometrics & Finance

Description

International Journal on Economics, Finance and Sustainable Development (IJEFSD) is an international, peer-reviewed, and scholarly journal aimed at being a platform for interdisciplinary researchers across the globe to develop and advance both theory and practice of economics and finance while ...