Bank Mega Syariah's Gold Financing Rises 85% Throughout 2026
Jakarta, CNBC Indonesia - PT Bank Mega Syariah has recorded improved performance in gold financing in line with the growing public interest in gold investments.
Throughout the first three months of 2026, Bank Mega’s Flexi Gold financing product grew by more than 85% compared to the position in December 2025. In terms of volume, the amount of financed gold reached more than 1,400 grams, an increase of more than 35% from the end-of-year position the previous year.
From a business strategy perspective, the launch of Flexi Gold is part of Bank Mega Syariah’s efforts to diversify consumer products. Additionally, Flexi Gold is designed to be marketed widely to all market segments.
“Flexi Gold is a Sharia-compliant gold ownership financing solution that provides convenience for customers to invest in a more planned and gradual manner. With a transparent scheme in accordance with Sharia principles, this product is expected to help the public access safe investment instruments that also hold long-term value,” stated Benadicto Alvonzo Ferary, Head of Digital Business & Product Management Division at Bank Mega Syariah, in his statement, quoted on Monday (6/4/2026).
The positive performance of Flexi Gold is also in line with the trend of Bank Mega Syariah’s consumer financing, which continues to show good growth at the beginning of 2026. As of March 2026, Bank Mega Syariah’s consumer financing recorded growth of more than 20% year-on-year.
Flexi Gold uses Murabahah and Rahn contracts in accordance with Sharia principles, with options for collateral in precious metal gold ranging from 5 grams, 10 grams, 25 grams, 50 grams, up to 100 grams. In addition, customers also receive various additional benefits such as free physical printing costs, delivery, and delivery insurance, making the gold ownership process more practical, safe, and comfortable.
Meanwhile, recent global gold price movements have shown a fluctuating trend. This condition has drawn the attention of investors, particularly the public who view gold as a hedging instrument (safe haven) and long-term investment.
Amid these dynamics, Benadicto stated that Bank Mega Syariah sees opportunities for customers to capitalise on price correction momentum through a buy the dip strategy, which involves purchasing assets when prices experience temporary declines.
“The public needs to understand that gold investment is not only focused on short-term momentum but also on the potential for value growth in the long term. The buy the dip strategy can be one way to optimise opportunities amid price volatility, especially for customers with long-term financial goals such as Hajj planning, education, or strengthening investment portfolios,” Benadicto explained.