REPUBLIKA.CO.ID, JAKARTA — Economic instability is prompting Indonesia's Muslim community to increasingly look at gold as a sharia investment instrument. In addition to serving as a safe haven asset, gold is also considered a stable investment with long-term value.

Inventure's research in Indonesia Muslim Market Outlook 2025 revealed that gold became the most desirable sharia investment instrument (39 percent) after deposits (51 percent). The popularity of gold is increasing thanks to more flexible and affordable ownership schemes, especially through gold installments.

Head of Bullion Product & Process Development Department of Bank Syariah Indonesia (BSI) Ajeng Puspita Sari Yudi Putri believes that this trend is driven by increasing public literacy about gold investments as well as increasingly diverse product innovations.

He said that gold investment is now no longer limited to certain circles, but is becoming more accessible to the wider public. Therefore, he said, BSI continues to present innovations in gold products to meet various needs.

“For those who want to buy large amounts of gold but have limited capital, a gold installment option is available with a purchase price that follows the value of the gold on that day. While for the segment that wants to save gold at a smaller nominal, we also provide a suitable solution,” Ajeng said, not long ago.

Of the various gold products available, Inventure's research found that gold bars (50 percent), gold savings (36 percent), and gold installments (16 percent) were the top choices for people. The survey also showed that six out of ten respondents prefer buying or in installments of gold through official institutions such as Antam and Pegadaian, followed by banks or sharia securities such as BSI as well as digital platforms such as Bibit.

With increasing access to gold holdings, including installment schemes, gold has the potential to be a prime option in diversifying sharia portfolios, even with the opportunity to outperform deposits as a favored investment. This trend also confirms that gold installments are not just an alternative, but can be a game-changer in sharia investment in Indonesia.

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