With the increasing popularity of social commerce platforms, understanding what drives consumer loyalty has become vital. The research is based on responses from 129 millennials, focusing on the influence of trust and engagement on loyalty and the role of demographic variables such as district. Statistical analysis, including correlation, regression and ANOVA, reveals that neither consumer trust nor engagement significantly influences loyalty, while district-level differences do impact consumer loyalty. These findings suggest that region-specific and experience-driven strategies are more effective than traditional trust-building approaches for enhancing consumer loyalty in social commerce. This  study provides  valuable insights for marketers and platform developers aiming to target millennial users in diverse urban settings.