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The Role of Sharia Features in The Bibit Application in Encouraging Financial Inclusion Through Sharia Mutual Fund Investments Aditya Fa'ikhurozi; Hidayat Nur Wahid; Khisna Nur Muhayah; Nurma Khusna Khanifa
Jurnal Hukum Ekonomi Syariah Vol. 9 No. 1 (2026): April
Publisher : Prodi Hukum Ekonomi Syariah Fakultas Agama Islam, Universitas Muhammadiyah Purwokerto

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Abstract

The rapid growth of digital investment has expanded public access to financial services, including Sharia-compliant investment products. One platform offering such services is Bibit, which provides various Sharia-compliant features designed to facilitate investment activities among Muslim investors in accordance with Islamic principles. This study aimed to analyze the role of Bibit’s Sharia features in promoting financial inclusion through Islamic mutual fund investment in the digital era. A descriptive qualitative approach was employed using library research, digital content analysis, and interviews with 20 Bibit users. Data were collected from scholarly journals, reports published by the Financial Services Authority (OJK) and the Indonesian Central Securities Depository (KSEI), DSN-MUI fatwas, articles from Bibit’s official website, and interview results. The data were analyzed using thematic analysis. The findings indicated that the Sharia Preference feature, product curation based on the Sharia Securities List (DES), supervision by the Sharia Supervisory Board (SSB), and adherence to DSN-MUI fatwas contributed to strengthening Muslim investors’ trust. Accessible investment procedures, affordable capital requirements, and simplified product selection also encouraged participation in digital Islamic investment. Nevertheless, the expansion of Islamic financial inclusion continues to face challenges related to limited digital literacy and unequal access to technology among certain segments of society.