MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Vol. 4 No. 3 (2026): Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis

Marketing Strategy For Gold Installment Products in Increasing Customer Interest at Bank Syariah Indonesia: A Systematic Literature Review (2022-2026)

Lutfiya Ardania (Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan)
Dunuroi Assuryani (Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan)
Achmad Junaidi (Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan)



Article Info

Publish Date
30 Jul 2026

Abstract

Global gold price volatility and high inflation during the 2022–2026 period established gold as a primary safe-haven asset, prompting Bank Syariah Indonesia (BSI) to expand its "Cicil Emas" (Gold Installment) product. Moving beyond fragmented, single-site empirical inquiries, this study offers a novel high level synthesis of 20 peer-reviewed journal articles from Google Scholar and Crossref to formulate a national macro marketing model. Guided by the PRISMA 2020 protocol, the literature selection was systematically processed through a six-stage qualitative thematic analysis, encompassing data familiarization, open coding, theme identification, thematic review, pillar definition, and narrative synthesis. The findings reveal a structural transition toward a "Phygital" marketing framework. BSI resolves digital trust deficits by integrating BYOND mobile application efficiency with physical branches acting as institutional trust anchors. Additionally, ethical positioning under Sharia principles mitigates price sensitivity through spiritual certainty, while operational velocity in gold appraisal and direct outreach via canvassing convert public awareness into concrete investment decisions. This synthesis bridges localized empirical gaps, establishing a comprehensive strategic reference for global Islamic banking governance.

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Journal Info

Abbrev

MUQADDIMAH

Publisher

Subject

Economics, Econometrics & Finance

Description

MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis presents actual studies on the field of management and business in the perspective of conventional economics and sharia economics. These studies are expected to enrich scientific treasures in the field of management and business so that ...