The Role of Sharia Fintech in Promoting Halal Investment Among Millennials

Abstrak

This study explores the role of sharia-compliant financial technology (fintech) platforms in encouraging halal investment behavior among millennial Muslims. Using a qualitative descriptive method, data were collected through in-depth, semi-structured interviews with selected millennial users of sharia fintech applications. The research finds that accessibility, ease of use, and conformity to Islamic principles are the main factors influencing millennials' interest in halal investments. Additionally, the presence of educational content and social media campaigns—such as those by @syariahsaham and fintech platforms like UrunRI and Tanamduit—has significantly contributed to increasing awareness and literacy regarding Islamic investment instruments such as sukuk and government-issued SBN Syariah (e.g., SR022). The findings suggest that sharia fintech platforms not only provide financial services but also serve as catalysts for Islamic financial literacy and inclusive investment participation. However, challenges remain in user comprehension of technical Islamic finance terms and the need for greater transparency and guidance.