Jakarta, ThedailyID — Bank Syariah Indonesia (BSI) is targeting young investors by introducing gold investment products with entry costs as low as Rp50,000, roughly the price of a cup of coffee (April 12, 2026). The move comes as gold continues to attract interest due to its reputation as a safe haven asset and hedge against inflation.
BSI has intensified efforts to improve gold investment literacy across all segments, especially among younger audiences. Ade Cahyo Nugroho highlighted this strategy during a public lecture at Universitas Indonesia.
“Young Indonesians must start understanding sharia-compliant investments that are simple, safe, and promising. Gold is one of the most accessible options, and we continue to expand services to make it affordable for everyone,” he said.
To reach younger users, BSI has adopted a more direct and engaging approach. The bank promotes gold investment as something as simple as buying a daily coffee, making the concept easier to relate to.
Through its digital platform BYOND by BSI, customers can purchase gold starting from small amounts. The platform allows users to buy, transfer, or even print their digital gold into physical form, offering flexibility rarely found in similar services.
Cahyo said gold plays a unique role within BSI’s ecosystem. Customers can save it as an investment, print it physically, or use it as collateral for financing when needed.
“We want to expand the gold investment market so more people can start investing, even with small amounts. Our goal is to make BYOND by BSI the largest digital gold store in Indonesia, available 24 hours in real time,” he said.
Gold has become a key growth driver for BSI. As of February 2026, the bank manages 22.5 tons of gold, while the number of gold banking customers has surged by 400% within a year since the launch of its bullion bank in February 2025.
This growth reflects rising public trust in gold as a liquid and stable asset. It also shows increasing demand for accessible investment options that can support both long-term planning and urgent financial needs.
BSI continues to promote financial literacy and inclusion through collaborations with Otoritas Jasa Keuangan, universities, and other institutions. These initiatives aim to expand the reach of Islamic banking and encourage early investment habits among young people.
