Cicil emas BSI: solusi cerdas untuk pelunasan haji
Abstract
The increase in Hajj Travel Costs (BPIH) and economic uncertainty pose significant challenges for prospective pilgrims in preparing Hajj financing. Therefore, an effective financial planning strategy based on Islamic principles is required. This study aims to analyze the effectiveness of Islamic gold investment through the Cicil Emas (CILEM) product of Bank Syariah Indonesia (BSI) in preparing Hajj financing. This research employs a descriptive qualitative approach using observation and field data analysis of customers at BSI KCP Pandaan A. Yani. The results indicate that customers utilizing the CILEM product demonstrate better financial readiness in completing BPIH payments compared to those who do not adopt Islamic gold investment strategies. Islamic gold investment has proven effective in preserving asset value and mitigating the impact of rising Hajj costs.
Downloads
References
Arifianto, H. (2024a). Puluhan Calon Jemaah Haji Kota Probolinggo Gagal Berangkat Karena Tidak Bisa Lunasi Biaya Haji. Liputan6. https://www.liputan6.com/surabaya/read/5543695/puluhan-calon-jemaah-haji-kota-probolinggo-gagal-berangkat-karena-tidak-bisa-lunasi-biaya-haji?utm_source=chatgpt.com
Arifianto, H. (2024b). Tak Bisa Lunasi Biaya Haji, 200 Jemaah Calon Haji di Situbondo Gagal Berangkat ke Tanah Suci. Liputan6. https://www.liputan6.com/surabaya/read/5588219/tak-bisa-lunasi-biaya-haji-200-jemaah-calon-haji-di-situbondo-gagal-berangkat-ke-tanah-suci?utm_source=chatgpt.com&page=2
Asmaningrum, D., & Makhtum, A. (2024). Optimalisasi Akses Pelunasan Haji Dengan Cicil Emas Di Bank Syariah Indonesia Kc Jombang. Jurnal Adz-Dzahab: Jurnal Ekonomi Dan Bisnis Islam, 9(1), 13–28. https://doi.org/10.47435/adz-dzahab.v9i1.2694
Budiman, J., Jasmine, F., & Vernando, L. (2023). Peluang Investasi Emas Jangka Panjang Melalui Produk Cicil Emas BSI. JPEK (Jurnal Pendidikan Ekonomi Dan Kewirausahaan), 7(1), 14–23. https://doi.org/10.29408/jpek.v7i1.7502
Hafizd, J. Z. (2021). Investasi Emas dalam Perspektif Hukum Islam. Jurnal Hukum Ekonomi Syariah, 5(02), 98–110. https://doi.org/10.26618/j-hes.v5i02.5302
Ihyak, M., Segaf, S., & Suprayitno, E. (2023). Enrichment : Journal of Management Risk management in Islamic financial institutions ( literature review ). Enrichment: Journal of Management, 13(2), 1560–1567.
Jaya, T. J. (2020). BRANDING PERBANKAN SYARIAH MELALUI PRODUK- PRODUK PENDANAAN. ISLAMIC BANKING: Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 6(1), 69–80. https://doi.org/10.36908/isbank
Ningtyas, M. N., & Istiqomah, D. F. (2021). Perilaku investasi sebagai penerapan gaya hidup halal masyarakat Indonesia: tinjauan Theory of Planned Behavior. Jurnal Ekonomi Modernisasi, 17(2), 158–172. https://doi.org/https://doi.org/10.21067/jem.v17i2.5642
UOB Aset Management. (2023). Peran emas dalam melawan inflasi. UOB Aset Management, 10, 1–5.
Verawati, H. (2024). Analisis Hukum Islam Terhadap Implementasi Investasi Emas Syariah. PESHUM : Jurnal Pendidikan, Sosial Dan Humaniora, 3(6), 945–965. https://ulilalbabinstitute.id/index.php/PESHUM/article/view/6802
Virasma, R., & Laoli, N. (2025). Hingga Maret 2025, Produk Cicil Emas Bank Syariah Indonesia (BSI) Melesat 168%. Kontan.Co.Id. https://keuangan.kontan.co.id/news/hingga-maret-2025-produk-cicil-emas-bank-syariah-indonesia-bsi-melesat-168
Copyright (c) 2026 Siti Nabila Zida Sabrina
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
- Authors retain copyright and grant the journal right of first publication with the work simultaneously licensed under a Creative Commons Attribution License that allows others to share the work with an acknowledgement of the work’s authorship and initial publication in this journal.
- Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal’s published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgement of its initial publication in this journal.
- Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work.
