Sukuk Deemed Suitable as Investment for Young Families
REPUBLIKA.CO.ID, JAKARTA – Sharia investment instruments such as sukuk are considered increasingly relevant for young families to build long-term financial resilience. In addition to offering relatively low risk, this investment is also deemed more accessible because it can be started from a small nominal amount.
Professor of Sharia Accounting at Universitas Tazkia, Murniati Mukhlisin, stated that society needs to get into the habit of setting aside a portion of their income for regular investments, not just for consumption or short-term savings.
“At least 10 percent of monthly income should be allocated for investment. If there are no debt instalments, it can go up to 40 percent,” said Murniati during the EKSYAR Diaspora and PPI Webinar on Wednesday (6/5/2026).
According to her, sukuk can be a relatively safe investment choice because it is guaranteed by the state and suitable for various investor risk profiles, including young families who are just starting to learn to manage finances.
The government itself will offer the ST016 Savings Sukuk series from 8 May until early June. This instrument offers returns of around 6-7 percent with lower taxes compared to deposits and purchases starting from Rp 1 million.
President Director of Bank Syariah Matahari, Muhammad Iman Sastra Mihajat, stated that state sukuk has a high level of security because it is fully supported by the government.
“State sukuk has the highest rating. It is very safe because it is guaranteed by the state, so the possibility of the money not being returned is very small,” said Iman.
According to him, sukuk instruments are also suitable for people who need fixed income for family financial planning.
“I see sukuk as one of the safest investments. The returns are not too high, but on average quite good. The taxes are also low,” he said.
Iman added that the current trend of sukuk investors is starting to be dominated by the younger generation, especially Gen Z and millennials. Therefore, socialisation is deemed necessary to be made simpler and closer to everyday life. “The majority of sukuk investors actually come from Gen Z and millennials,” he said.
Head of Financial Controlling at Airbus Helicopters Arabia, Harri Gemilang, views ownership of state sukuk for the diaspora and young families as more than just about investment profits.
“For the diaspora, owning state sukuk is like moving up a class. So it’s not just about tenor and coupons, but also about the family’s future,” said Harri.
He believes that the approach to promoting sharia investments also needs to be more modern so that it is easily understood by the younger generation. According to him, many people are still not familiar with sharia financial instruments despite their great potential.