Jakarta, ThedailyID — Bank Syariah Indonesia is strengthening access to gold investment as younger generations show rising interest in safe and long-term financial instruments. The bank introduced flexible gold installment services through BYOND by BSI to meet growing demand.
Over the past year, Gen Z and millennials have increasingly turned to gold as a reliable investment option. BSI recorded a 123.18% year-on-year increase in gold installment transactions, with around 61.5% of users coming from these younger segments. This trend reflects stronger financial awareness and a shift toward more stable investment choices.
To support this demand, BSI offers gold installment programs starting from 5 grams, with tenures ranging from one to five years. The relatively low entry point and longer payment period make the product more accessible, especially for young investors who often face initial capital constraints.
Director of Sales and Distribution Anton Sukarna said gold remains a stable and relatively safe instrument for long-term investment. He added that the program aims to expand access and encourage younger users to start building investment portfolios earlier.
At the same time, BSI continues to enhance convenience through digital integration. Customers can apply for gold installments in real time via BYOND, with transparent pricing and a faster approval process. This digital approach offers a more practical and secure investment experience.
In addition, the service also connects with broader financial needs. Ahead of the Hajj season, BSI positions gold installments as a way for customers to prepare pilgrimage payments gradually. Customers can also use gold pawn services when needed, offering liquidity with competitive costs.
Beyond installments, BSI provides other gold-based services such as gold savings and pawn financing. These options allow customers to manage assets flexibly while maintaining financial security.
Looking ahead, BSI aims to strengthen its role in supporting financial independence among younger generations. The bank also sees this momentum as an opportunity to expand Islamic financial inclusion across Indonesia.
