INVESTASI SYARIAH DI ERA DIGITALISASI: TANTANGAN DAN PELUANG DALAM MANAJEMEN KEUANGAN

Abstract

The development of digital technology has brought significant changes to various sectors, including the financial sector. Sharia investment, as part of the Islamic financial system, has also undergone a transformation in line with digitalisation. This article aims to analyse the opportunities and challenges of sharia investment in the era of digitalisation from a financial management perspective. The method used is a literature study of various scientific sources, financial institution reports, and related regulations. The results of the study show that digitalisation provides great opportunities for the development of sharia investment through increased accessibility, efficiency, and product innovation. However, there are challenges such as low sharia financial literacy, digital security risks, and the need for regulatory and governance adjustments. Therefore, adaptive management strategies are needed so that sharia investment can develop sustainably in the digital era.