Malanginspirasi.com – The Faculty of Economics and Business (FEB) at Universitas Muhammadiyah Malang (UMM) recently organized a seminar titled “Level Up Finansial: Saatnya Melek Pasar Modal” (Level Up Financial: It’s Time to Understand the Capital Market) to enhance financial literacy and investment awareness among the younger generation.
Featuring competent speakers, Venus Kusumawardana SE MM and Hesty Tri Budihartati SE MM, the seminar presented critical materials regarding the opportunities and risks associated with investing, particularly in the capital market.
Venus Kusumawardana opened the seminar by emphasizing that investment is not simply about following trends or seeking instant profits.
In his view, investment is about financial awareness and long-term planning.
“So don’t be easily swayed by viral stocks or high-risk day trading,” he warned.
He reminded attendees that many novice investors fall into a consumerist pattern, buying stocks based solely on trends.
Venus also underscored the importance of understanding financial statements, dividends, and fundamental company analysis before making investment decisions. He explained that understanding market cycles and patience are key to avoiding significant losses. He even suggested that students start with small investments, around Rp100,000 per month, with consistency and discipline.
Meanwhile, Hesty Tri Budihartati, another financial expert, addressed the urgent need to improve financial literacy in Indonesia. Despite the growing number of investors, exceeding 16 million, the understanding of the stock market remains low, with less than 5% of the population having adequate knowledge.
“This is a major challenge, as many people fall into fraudulent investments or misunderstand financial products,” she noted.
Hesty emphasized that investment should be understood not as a mere trend, but as a tool to combat inflation.
She highlighted the importance of healthy financial management, starting with distinguishing needs from wants and allocating at least 20% of income to investments and emergency funds.
Hesty also encouraged young individuals to start saving and investing early, even before securing a stable job.
At the end of the event, the Dean of FEB UMM, Prof. Dr. Idah Zuhroh MM, affirmed that students’ mentality must be built with an economical and strategic mindset.
“Financial literacy must precede inclusion. Don’t just follow trends, but understand the risks,” she said.
Prof. Idah encouraged students to use their income as a learning opportunity to manage finances wisely and responsibly.
The seminar aimed to foster awareness and deeper knowledge of the stock market, shaping a financially intelligent younger generation ready to face future economic challenges.
By equipping students with practical insights and strategies, FEB UMM hopes to empower them to make informed financial decisions and contribute to Indonesia’s economic development.
