PT Bank Syariah Indonesia Tbk (BSI) recorded a total growth in gold cicil products and gold pawns which rose 92.52 percent on an annual basis (year on year/yoy) as of May 2025 to Rp16.43 trillion.
In detail, gold installments reached Rp8.89 trillion, an increase of 175.13 percent yoy and a gold pawn reached Rp7.54 trillion, an increase of 42.18 percent yoy.
"In the midst of challenging conditions, gold is one of the safe haven financial investment instruments for the public," said BSI Sales & Distribution Director Anton Sukarna quoting Antara.
The Company noted that the increase in BSI's gold business occurred as people began to buy gold as an easy and fast investment option for future needs.
With gold installments, customers can have gold for future needs at current prices. While pawning gold can be a solution for the community when they need funds suddenly easily and quickly, as well as high gold forecasts and cheaper costs.
BSI provides a solution for gold investment through BYOND by BSI which can be done in cash and in installments 1-5 years. The profit of the gold investment in BYOND, the gold is prepared at BSI, stored properly because the permit is directly from the OJK. The price is also interesting because BSI bought the gold first so the price can be competitive," said Anton.
In addition to gold installments and gold pawns, there is also the Golden BSI which is one of the gold bank (Billion bank) products. BSI Gold is an option to buy gold starting from 0.1 grams, making it easier for people to invest easily through BYOND by BSI.
Until May 2025, BSI Gold through BYOND by BSI also recorded a positive performance with a growth of 21.55 percent yoy reaching Rp1.11 trillion.
Meanwhile, the price of gold precious metal has increased significantly since the beginning of 2025. At the beginning of the year, Antam's precious metal price was at the level of Rp. 1,524,000 per gram.
As of Thursday (10/7), Antam's gold bullion is now priced at IDR 1,902,000 per gram. This means that there is an increase of 24.8 percent year to date (ytd).
Recently, BSI has organized BSI International Expo 2025 as an effort to increase public literacy to have gold.
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Dalam empat hari penyelenggaraan pada 26-29 Juni 2025, BSI mencatat kesangat masyarakat untuk produk cicil emas mencapai Rp11,2 miliar dan BSI Emas mencapai Rp6,2 miliar.
The company said that it will continue to target potential segments, one of which is customer of permanent income employees, especially customers who receive salary payments through BSI accounts.
Anton noted, Indonesia's per capita gold consumption is only 0.16 grams per capita. This figure is still lower when compared to other countries in ASEAN such as Singapore, Thailand, Malaysia, and Vietnam.
For gold consumption in Indonesia, the most are still in gold as jewelry. Interestingly, from year to year there is an increase in the consumption of gold bullion for investment. This is what we are trying to develop through gold in BSI," said Anton.
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