An Easy & Sharia-Compliant Way to Invest in Gold Safely

In times of global economic uncertainty and fluctuating exchange rates, more people are turning to gold as a trusted way to protect their wealth.

As a time-tested hedge against inflation, gold continues to attract interest across generations. However, the high upfront cost of gold can be a challenge for many. That’s where Solusi Emas Hijrah from Bank Muamalat comes in — a sharia-compliant financing solution that makes gold ownership more affordable, secure, and InsyaAllah, more blessed.

Why Invest in Gold?

Before diving into the product itself, let’s explore why gold remains one of the most reliable investments today:

Stable Value in Uncertain Times
Gold has proven to hold its value during pandemics, recessions, and global crises.
Highly Liquid Asset
It’s easy to sell or pawn gold when you need quick access to cash.
Ideal for Long-Term Financial Goals
Whether you're planning for Hajj or Umrah, your children's education, or retirement, gold can be a solid foundation.
Protection from Inflation
Gold’s value tends to rise with inflation, helping preserve your purchasing power over time.

With these advantages, gold is a smart addition to any financial portfolio, especially for Muslim families seeking stable and ethical investment options.

Introducing Solusi Emas Hijrah: Gold Investment Made Easy

Solusi Emas Hijrah is a sharia-compliant financing product from Bank Muamalat that allows you to buy certified gold from ANTAM through affordable monthly installments. Your gold is safely stored as collateral and can be collected once the financing is fully paid off.

Key Features of Solusi Emas Hijrah

Feature	Details
Contract Type	1. Sharia Contract: Murabahah Without Wakalah 2. Guarantee Agreement: Pawn Contract
Gold Type	24-carat certified ANTAM gold
Available Weights	5g, 10g, 25g, 50g, and 100g
Financing Limit	Minimum 5g, maximum 500g per customer
Loan Tenure	12 to 120 months
Margin Rate	Starting from 9%
Installment Type	Decreasing effective rate
Life Insurance	Optional
Gold Insurance	Covered by Gold In Safe & Gold In Transit insurance

Benefits You’ll Enjoy

Sharia-Compliant
Approved by the Sharia Supervisory Board and based on DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000 on Murabahah contracts.
Fixed Gold Price at Contract Signing
The agreed-upon price remains unchanged throughout the installment period, giving you peace of mind.
Certified and Authentic Gold
Only certified ANTAM gold is used, known for its authenticity and quality.
Fast and Simple Process
Applications can be processed on the same day if all documents are complete.
No Payslip Required
Just provide a copy of your ID (KTP) and NPWP (for financing over Rp50.000.000).
Flexible Down Payment Options
- Starting from 15% for payroll customers
- Starting from 20% for non-payroll customers
- 0% down payment for Bank Muamalat employees

Who Can Apply?

Solusi Emas Hijrah is open to a wide range of professionals:

Permanent or contract employees
Entrepreneurs or freelancers
At least 21 years of age
Minimum monthly net income of Rp1.500.000
Not listed under any non-performing financing records

Gold Storage and Repayment Options

Early Settlement is Allowed
Customers may settle their financing early using personal funds (not from selling the collateralized gold).
Secure Gold Storage
The gold is stored in the Khasanah (a highly secure storage room or area managed with a multi-layered security system) at Bank Muamalat’s head office or designated branches. Once fully paid off, the gold must be collected within a maximum of 30 days after settlement.

Sample Simulation of Solusi Emas Hijrah

Let’s say you want to invest in 50 grams of gold:

Current gold price: Rp1.900.000/gram → Total: Rp95.000.000
Down Payment (15%): Rp14.250.000
Financing Amount: Rp80.750.000
Tenure: 60 months
Estimated Monthly Installment: Rp1.820.000*

*Note: This is an estimated simulation. Actual margin and installment may vary by branch and application details.

How to Apply for Solusi Emas Hijrah

Visit your nearest Bank Muamalat branch or apply through the Muamalat DIN app.
Prepare your KTP and NPWP (if applicable).
Choose the gold weight and loan tenure that fits your needs.
Pay the down payment.
Enjoy easy monthly installments and track your financing progress through the Muamalat DIN app.

Invest in Gold the Sharia-Compliant Way — Safely & Affordably

With Solusi Emas Hijrah, you don’t have to wait until your savings are enough to own gold. Now you can start investing in a way that aligns with your faith, fits your budget, and helps you plan for your long-term goals, whether that’s performing Hajj, funding your children’s education, or preparing for a brighter future.

Ready to start? Apply now through Muamalat DIN or visit your nearest Bank Muamalat branch today!