INVESTASI SYARIAH DI ERA DIGITAL: TANTANGAN DAN PELUANG MANAJEMEN

Abstract

The development of digital technology has brought significant changes to the global financial system, including the Islamic investment sector. Digitalization has introduced various innovations such as financial technology (fintech), online investment platforms, Sharia peer-to-peer lending, crowdfunding, and the use of blockchain and artificial intelligence. The purpose of this journal is to analyze the concept of Islamic investment in the digital era, the underlying principles and regulations, technological developments that influence Islamic investment practices, as well as the challenges and management opportunities faced. The writing method uses literature studies by examining books, scientific journals, regulatory reports, and policy documents relevant to Islamic finance and digitalization. The results show that digital Islamic investment has great potential in increasing financial inclusion, efficiency, and transparency, especially in countries with a majority Muslim population like Indonesia. However, challenges such as Sharia compliance, cyber security, financial literacy, and regulatory dynamics require serious attention from management and regulators. With proper management, digital Islamic investment can become an important pillar in the development of a sustainable Islamic economy.