Pengaruh Literasi Keuangan Islam terhadap Keputusan Investasi Generasi Milenial
DOI:
https://doi.org/10.65310/dfwety56Kata Kunci:
Literasi keuangan Islam, investasi Islam, generasi milenial, keputusan investasi, industri keuangan IslamAbstrak
Penelitian ini mengkaji pengaruh literasi keuangan Islam terhadap keputusan investasi generasi milenial Indonesia di tengah meningkatnya relevansi keuangan etis dan berbasis syariah. Dengan menggunakan metode deskriptif kualitatif melalui penelitian perpustakaan, penelitian ini menganalisis teori, temuan sebelumnya, dan data sekunder dari OJK serta sumber akademik. Hasil penelitian menunjukkan bahwa literasi keuangan Islam secara positif membentuk kesadaran, sikap, dan kepercayaan generasi milenial dalam mengambil keputusan investasi, mendorong partisipasi dalam produk investasi syariah. Namun, tingkat literasi masih relatif rendah akibat pendidikan formal yang terbatas, kurangnya media pendidikan yang menarik, kesalahpahaman tentang kompleksitas, dan aksesibilitas produk yang rendah. Hambatan seperti asimetri informasi dan inovasi yang minim masih menghambat adopsi yang lebih luas, meskipun platform digital dan keterlibatan influencer menawarkan solusi yang menjanjikan. Studi ini menyimpulkan bahwa meningkatkan literasi keuangan Islam memerlukan kolaborasi antara pemerintah, industri, akademisi, dan komunitas digital melalui pendidikan, inovasi, dan strategi digital inklusif. Meningkatkan literasi milenial tidak hanya akan memperkuat sektor keuangan Islam tetapi juga mendukung pertumbuhan ekonomi etis dan berkelanjutan yang sejalan dengan prinsip-prinsip Islam.
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Hak Cipta (c) 2025 Muhammad Al Faridho Awwal (Author)
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