Peran Program Cicilan Emas dalam Perencanaan Keuangan Calon Jamaah Haji 368 235

Studi Kasus di Bank Syariah Indonesia KCP Lumajang

Abstrak

This study examines the role of the Gold Installment Program at Bank Syariah Indonesia (BSI) KCP Lumajang as a financial planning strategy for prospective pilgrims. The increasing cost of organizing the Hajj pilgrimage requires structured financial preparation, especially for people of productive age. This study aims to analyze the implementation mechanism of the gold installment scheme based on the murabahah contract and evaluate its compliance with Islamic financial principles. The research uses a qualitative approach with a case study method, with data collection through interviews, observation, and documentation involving BSI employees and participants of the Gold Installment Program. The results show that the Gold Installment Program plays a role in supporting Hajj financial planning through a financing mechanism that is transparent, usury-free, and oriented towards asset value protection, and is in line with the maqashid sharia framework, specifically hifdz al-din and hifdz al-mal. The novelty of this research lies in the empirical study of the role of the Gold Installment Program as a Hajj financial planning strategy analyzed from the perspective of institutional implementation and participant experience, which is still relatively limited in Islamic finance studies.