Interest in Gold Investment Rises, Financing Soars
PT Bank Mega Syariah has recorded positive performance in gold financing disbursement, with growth exceeding 756 per cent up to March 2026 compared to the position in December 2025, driven by the high interest from the public in gold investment. Digital Business & Product Management Division Head of Bank Mega Syariah, Benadicto Alvonzo Ferary, in his statement in Jakarta on Saturday (25/4/2026), revealed that interest from the public in the gold financing product called Flexi Gold is quite high in Jabodetabek and major cities in Java and Sumatra.
“Through Flexi Gold, we aim to open wider access for the public to own gold gradually. With light and affordable instalments, customers can build a long-term investment portfolio in a disciplined manner while taking advantage of the momentum of rising gold prices,” he said.
In particular, he mentioned that Jakarta dominates the market with the largest contribution of 41.79 per cent of the total national booking value, followed by Tangerang which recorded a significant proportion of 14.08 per cent, and Palembang in third place with a contribution of 7.15 per cent.
Besides those three main cities, this financing is also popular among the public in various other cities such as Bandung, Semarang, Depok, Surabaya, Yogyakarta, Makassar, as well as Medan and its surroundings, which cumulatively cover 36.98 per cent of the company’s total gold financing portfolio.
Benadicto views that the profile of gold investment today has undergone significant changes. According to him, gold has superior characteristics as a hedge against inflation and economic instability.
In situations of global economic imbalance, from inflationary pressures to financial market volatility, gold tends to maintain purchasing power and provide asset value stability.
“In a global condition full of uncertainty, gold is increasingly seen as a tool for value protection. We see a shift in investor behaviour, where gold is now a primary instrument in long-term investment strategies, not just a complement,” he said.
Benadicto added that gold is also known as a relatively stable long-term investment instrument.
This differs from high-risk instruments that are sensitive to market sentiment. Gold has a tendency for increasing value in the long term, making it suitable for future financial planning.
Bank Mega Syariah also expressed optimism that the gold investment trend will continue to rise, in line with global dynamics and increasing public awareness of the importance of diversification and asset value protection.
For information, the Flexi Gold gold financing product allows customers to own 24-karat precious metal gold gradually, with financing tenor options from one to five years and various gramme choices, from 5 grammes to 100 grammes.
Flexi Gold is structured in accordance with sharia principles and has received approval from the Sharia Supervisory Board, referring to several fatwas from the Indonesian Ulema Council regarding gold trading, rahn-based financing, and murabahah contracts.