Gold Gains Popularity, Bank Mega Syariah Accelerates Flexi Gold Financing
Geopolitical uncertainties persisting until 2026 are making investors more selective in placing their funds. Amid these conditions, gold is reaffirming its position as an effective defensive investment instrument for maintaining wealth value stability.
This trend is evident globally. The World Gold Council notes that central banks worldwide have purchased gold exceeding 1,000 tonnes per year in recent years—one of the highest levels in history.
Domestically, similar preferences are observed. The Jakpat survey titled Indonesia Investment Trends indicates that gold-based instruments and physical assets are the top choices for the public in 2025. Jewellery is selected by 67% of respondents, followed by precious metals/gold at 66%, and property at 63%.
Meanwhile, the Populix survey in January 2026 records gold as the most trusted instrument with an 80% trust level. This figure far surpasses other instruments such as cash (7%), property (6%), shares (3%), bonds (2%), and crypto and foreign exchange each at just 1%.
Digital Business & Product Management Division Head at Bank Mega Syariah, Benadicto Alvonzo Ferary, assesses that the gold investment profile has undergone significant changes. Gold is now viewed not only as a complementary asset but as a primary instrument in long-term investment strategies.
“In a global environment full of uncertainty, gold is increasingly seen as a value protection tool. We observe a shift in investor behaviour, where gold has become a primary instrument in long-term investment strategies,” he stated in an official release, quoted on Wednesday (29/4/2026).
According to him, gold has superior characteristics as a hedge against inflation and financial market volatility. In various phases of global economic imbalance, gold tends to maintain purchasing power while providing asset value stability.
To capture this opportunity, Bank Mega Syariah introduces the Flexi Gold gold financing product. This product is designed to expand public access to ownership of 24-karat precious metal gold gradually, with financing tenors of 1 to 5 years and gramme options from 5 grams to 100 grams.
Flexi Gold is also structured in accordance with sharia principles and has received approval from the Sharia Supervisory Board, referring to fatwas from the Indonesian Ulema Council on gold buying and selling, rahn-based financing, and murabahah contracts.
Looking ahead, the company is optimistic that the gold investment trend will continue to strengthen alongside growing public awareness of the importance of diversification and asset value protection.
“Through Flexi Gold, we aim to open wider access for the public to own gold gradually. With affordable instalments, customers can build a long-term investment portfolio disciplinedly while capitalising on the momentum of rising gold prices,” added Benadicto.
In terms of performance, this product has recorded significant growth. By March 2026, Flexi Gold disbursements grew more than 756% compared to December 2025.
Geographically, the highest interest comes from the Jabodetabek region and major cities on Java and Sumatra. Jakarta dominates with a 41.79% contribution to the national total booking value, followed by Tangerang at 14.08% and Palembang at 7.15%.
Meanwhile, other cities such as Bandung, Semarang, Depok, Surabaya, Yogyakarta, Makassar, and Medan collectively contribute 36.98% to the company’s total gold financing portfolio.