Analisis Keuntungan Investasi Tabungan Emas di Perbankan sebagai Alternatif Instrumen Keuangan Syariah di Bank Muamalat Kepanjen

Abstract

This study aims to analyze the benefits of gold savings investment as an alternative Islamic financial instrument at Bank Muamalat Indonesia Kepanjen Branch. The research employed a qualitative approach with a case study design. Data were collected through in-depth interviews, observations, and documentation involving customers and bank officers. The findings reveal that gold savings provide financial benefits in the form of capital gain potential, asset value stability, and investment flexibility with affordable capital. In addition, customers perceive security, accessibility, and Sharia compliance as important values that create spiritual peace and investment blessings. Gold savings are proven to be a competitive and inclusive Islamic investment instrument suitable for modern society.