Gold Prices Are Rising? Here’s the Sharia-Based Gold Financing Solution You Should Know

Over the past few months, gold prices have continued to climb sharply. According to the latest report from Detik Finance (October 2025), the price of Antam 24K gold has reached Rp2,407,000 per gram–the highest level in history. Meanwhile, data from Logam Mulia shows the base price of 1 gram of gold at around Rp2,360,000 before a 0.25% income tax (PPh).

For several years now, gold prices have been on an upward trend, fueled by the weakening of global currencies and ongoing economic uncertainty. In times like these, gold remains a trusted store of value; stable, resilient, and resistant to inflation.

But as prices rise, one key question arises:How can you own gold without needing a large sum of money upfront and still stay aligned with sharia principles?

The answer lies in Solusi Emas Hijrah from Bank Muamalat.

What Is Solusi Emas Hijrah?

Solusi Emas Hijrah is a sharia-based gold financing program that uses the Murabahah contract, a sale agreement where the profit margin is agreed upon in advance. Through this facility, Bank Muamalat helps customers purchase gold with flexible installment payments.

During the financing period, the gold is safely stored by the bank as collateral until the payment is completed.

This concept allows anyone to start investing in gold without waiting to save a large amount first. The process is transparent, fair, and fully compliant with Islamic financial principles.

Why Choose Solusi Emas Hijrah?

Sharia-Compliant and Supervised Every process in Solusi Emas Hijrah is directly supervised by the Sharia Supervisory Board of Bank Muamalat. Each contract is handled with great care, ensuring peace of mind financially and spiritually.

Gold: A Valuable and Stable Asset
Gold has long been seen as a safe and enduring asset, resistant to inflation and currency fluctuations. With Solusi Emas Hijrah, you can gradually own gold for many purposes from preparing for Hajj, securing your child’s education fund, to building a long-term family investment.

Safe and Fully Protected
All gold purchased through this program is securely stored in Bank Muamalat’s dedicated storage facilities. It’s protected under Gold In Safe (GIS) and Gold In Transit (GIT) insurance. Customers may also opt for additional life insurance coverage, ensuring the financing remains secure under any circumstance.

Easy Early Settlement
Customers are allowed to settle their financing early without any penalty fees. Once fully paid, the gold can be collected from the designated Bank Muamalat branch complete with its authenticity certificate.

Eligibility Criteria

Solusi Emas Hijrah is open to individuals who meet the following requirements:

Indonesian citizen (WNI) aged 21 or above
Employed as a permanent or contract staff, professional, or entrepreneur
Minimum monthly income of Rp1,500,000
No record of problematic financing

How to Apply

Visit the nearest Bank Muamalat branch, or access the Financing feature via Muamalat DIN.
Fill out the gold financing application form.
Prepare supporting documents such as ID card (KTP), salary slip, and NPWP (if required).
Once approved, Bank Muamalat will purchase the gold in your name and store it securely.
Make installment payments as agreed, and upon full settlement, collect your gold from the appointed location.

A Blessed and Meaningful Investment

Gold prices may continue to rise, but owning gold the right way brings a peace of mind that goes beyond material gain.

Through Solusi Emas Hijrah, Bank Muamalat empowers Muslims to own gold easily, safely, and in full accordance with sharia principles.

Now is the time to take a wise step to protect your wealth, build a more secure future, and pursue blessings through Bank Muamalat’s Solusi Emas Hijrah.