Analisis Risiko dan Return Reksadana Syariah: Perbandingan Pasar Uang, Obligasi, dan Saham pada Aplikasi Bibit

Abstract

The development of digital technology has encouraged the emergence of various Sharia-based investment platforms, one of which is the Bibit application. This study aims to analyze the risk and return of Sharia mutual fund investments available on the Bibit platform. The research employs a case study method with a descriptive qualitative approach by analyzing three Sharia mutual fund products offered through the Bibit application. The findings reveal that each product possesses distinct characteristics and levels of risk. The Sucorinvest Sharia Money Market Fund provides stable returns with low risk, the Eastspring Syariah Fixed Income Amanah Class A offers moderate returns with medium fluctuations, while the BNP Paribas Pesona Syariah demonstrates a high return potential but also carries greater risk. These findings highlight that the higher the potential return, the greater the risk involved; therefore, investors should carefully consider their risk profile before investing in Sharia mutual funds.