THE APPLICATION OF LONG-TERM STRATEGIES IN SHARIA INVESTMENT AMONG THE YOUNGER GENERATION

Olivia Shafitri, Mutiara Annisa, Muhammad Hafiz, Arya Wangsa Tryta, Adinda Khairunnisa, Mutiah Khaira Sihotang

Abstract


This study analyzes the application of long-term investment strategies in Islamic finance
among young adults, as well as the factors that influence their interest in Sharia-compliant financial
instruments. The research employed a descriptive qualitative approach through in-depth interviews
and literature review to explore the knowled ge, behavior, and implementation of long-term
investment strategies among young Islamic investors. The findings reveal that interest in Islamic
investment continues to increase in line with the growth of digital financial education and the rising
awareness of investing in halal and riba-free instruments. However, understanding of long-term
strategies remains limited, particularly in areas such as consistent financial planning, portfolio
diversification, and the selection of appropriate Sharia-compliant instruments such as Islamic
stocks, Islamic mutual funds, and sukuk. The study concludes that the adoption of long-term
investment strategies in Islamic finance has the potential to support sustainable financial growth
among young generations, provided that it is supported by adequate Islamic financial literacy and
an investment ecosystem that is transparent, accessible, and fully Sharia-compliant.


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