Peran Produk Cicil Emas Digital terhadap Inklusi dan Pengelolaan Keuangan Syariah Pada Nasabah BSI Mobile

Abstract

This study aims to analyze the role of the digital gold installment product in promoting Islamic financial inclusion and financial management among customers using BSI Mobile. The research employs a qualitative approach with a descriptive research design. Data were collected through in-depth interviews with customers who use the digital gold installment service, supported by documentation studies and literature reviews. Data analysis was conducted using the interactive analysis model, consisting of data reduction, data display, and conclusion drawing. The findings indicate that the digitalization of the gold installment product through BSI Mobile facilitates easier access to Islamic investment services and enhances financial inclusion. The flexible installment scheme enables customers to own gold without requiring a large amount of initial capital, thereby expanding public participation in Islamic investment. Furthermore, digital features such as auto-debit services, transaction monitoring, and real-time payment records assist customers in managing their finances more systematically, improving financial discipline, and supporting long-term investment planning. The transparency of the digital system also increases customers’ sense of security and trust in technology-based Islamic financial services. This study concludes that the digitalization of gold installment products not only contributes to improving Islamic financial inclusion but also plays a significant role in fostering more effective financial management behavior in accordance with Islamic principles. Nevertheless, challenges related to low digital literacy and limited public understanding of Islamic financial services remain important issues that require attention through the strengthening of digital financial education and literacy programs.