To mark Financial Inclusion Month (BIK) 2026, PT Bukalapak.com Tbk\nonce again held its Pelaku Usaha Jagoan Pencari Cuan (PUJAAN) Vol. 5\nprogramme, culminating in an awards ceremony at Sopo Del Tower in\nKuningan, Jakarta, on Tuesday (27 October 2026).<\/p>\n
The event was attended by Deputy Trade Minister Dyah Roro Esti Widya\nPutri; Muhammad Neil El Himam, Deputy for Digital Creativity and\nTechnology at the Ministry of Creative Economy\/Creative Economy Agency;\nNaomi Triyuliani, Head of Financial Literacy and Education Planning,\nDevelopment and Evaluation at the Financial Services Authority (OJK);\nRizki Ameliah, Head of the Digital Literacy Development Centre at the\nMinistry of Communication and Digital Affairs\u2019 Human Resources\nDevelopment Agency; PT Bukalapak.com Tbk acting president director\nNatalia Firmansyah and BUKA Group executives; as well as finalists in\nthe PUJAAN Vol. 5 capital competition, who are MSME operators from\nacross Indonesia.<\/p>\n
In the era of digital transformation, access to financial services is\nexpanding. However, access is often not matched by knowledge of business\nfinance management or awareness of digital financial risks, including\nonline scams and illegal online lending (pinjol).<\/p>\n
To bridge the gap between access and understanding of digital\nfinance, this year\u2019s PUJAAN programme adopted the theme \u201cJagoan Buka\nPeluang\u201d (\u201cChampions Opening Opportunities\u201d). It aims to improve\nfinancial and digital literacy, as well as cybersecurity, among MSME\noperators. The programme also provides access to business capital\nthrough a competition offering prizes worth tens of millions of rupiah\nto support business development.<\/p>\n
Natalia Firmansyah, acting president director of PT Bukalapak.com\nTbk, said PUJAAN reflected BUKA Group\u2019s commitment to widening MSMEs\u2019\naccess to knowledge, networks and opportunities to strengthen their\nbusinesses.<\/p>\n
\u201cFor us, PUJAAN is not merely a competition to win business capital.\nIt is part of our commitment to opening up wider access for business\nowners so they can continue learning, growing and finding new\nopportunities,\u201d she said at the PUJAAN Vol. 5 awards ceremony on Tuesday\n(27 October 2026).<\/p>\n
This commitment was also reflected in mentoring sessions and\ndiscussions with MSME operators, designed to strengthen their\ncapabilities in managing and securing digital money, understanding\ninvestment and making sound business decisions.<\/p>\n
Deputy Trade Minister Dyah Roro Esti Widya Putri welcomed PUJAAN,\nsaying it offered tangible benefits to MSMEs seeking to use digital\nplatforms to grow their businesses.<\/p>\n
\u201cLet us keep learning and have the courage to adapt. At first,\nadapting may feel uncomfortable because there are things we do not yet\nunderstand. But through education and outreach, we can improve our\nunderstanding and be better prepared for change. Manage business\nfinances wisely, and be smart digital business operators who remain\nalert to scams and other risks that could cause financial harm,\u201d she\nsaid.<\/p>\n
She stressed that government and private-sector cooperation was\nimportant to expand education and guidance for MSMEs. Programmes such as\nPUJAAN are expected to help business owners seize digital opportunities\nwhile understanding how to protect themselves from the risks.<\/p>\n
The importance of collaboration in widening access to knowledge,\nmentoring and business networks was also highlighted by Muhammad Neil El\nHimam, Deputy for Digital Creativity and Technology at the Ministry of\nCreative Economy\/Creative Economy Agency. He praised PUJAAN Vol. 5 as\npractical support for the empowerment and development of Indonesian\nMSMEs, and as a way to encourage businesses to use digital technology to\ncreate added value.<\/p>\n
\u201cWe encourage MSMEs not only to use technology, but also to harness\nit to create added value, open up new business opportunities and\nincrease income sustainably. Alongside the use of digital technology,\nfinancial literacy is also important so MSMEs can manage profits more\nproductively and expand their businesses,\u201d he said.<\/p>\n
Unlike last year, this year\u2019s PUJAAN capital competition was open to\nwomen MSME operators who are Bukalapak partners, as well as male and\nfemale MSME operators supported by itemku. The broader participation\nreflects Bukalapak\u2019s commitment to more inclusive empowerment. BUKA\nGroup believes that business owners in every sector have the potential\nto grow and make an impact, while women\u2019s empowerment remains a key\nfocus of the programme.<\/p>\n
The programme\u2019s commitment to widening access to knowledge was also\nreflected in a competition that extended beyond judging. Participants\nhad previously taken part in a PUJAAN Vol. 5 webinar as an introduction.\nOn the awards day, mentoring sessions continued and complemented the\nfinalists\u2019 experience.<\/p>\n
The mentoring covered three topics relevant to MSMEs. The first,\nfinancial literacy and consumer protection, was led by Naomi Triyuliani,\nOJK\u2019s Head of Financial Literacy and Education Planning, Development and\nEvaluation. The second, business financial management, was led by NFC\nRevenu director Charles Gultom and BUKA Group business operations\nmanager Yonarisa Prahesti. The third, family health, was presented by Dr\nSalva Badjarad, a pulmonary and respiratory specialist at EMC Alam\nSutera and EMC Tangerang hospitals.<\/p>\n
The PUJAAN Vol. 5 capital competition concluded with the announcement\nof winners in the Mitra Bukalapak and itemku categories:<\/p>\n
Mitra Bukalapak category<\/strong><\/p>\n First place: Fatmah (Banjarmasin)<\/p>\n Second place: Lusi Widianingrum (Kuningan)<\/p>\n Third place: Nazhikhatun (Tegal)<\/p>\n Influencer award: Ahmad Prasetio (Jakarta)<\/p>\n itemku category<\/strong><\/p>\n First place: William Fredick Wijaya (Pekanbaru)<\/p>\n Second place: Nenza Nurfirmansyah (Cimahi)<\/p>\n Third place: Maulana Ibrahim Ramadhan (Bekasi)<\/p>\n In addition to receiving business funds, the winners said the\nexperience and business-development knowledge gained through the\ncompetition were valuable benefits.<\/p>\n \u201cThank God, I won the competition. As well as receiving business\ncapital, I gained knowledge that I can apply to develop my digital\nproducts and games business in the future,\u201d said William, first-place\nwinner in the itemku category.<\/p>\n Fatmah, the first-place winner in the Mitra Bukalapak category from\nBanjarmasin, said she planned to apply what she had learned through\nPUJAAN Vol. 5 to managing her business day to day.<\/p>\n Their experiences reflect the spirit of PUJAAN Vol. 5, which provided\nnot only financial support but also comprehensive business education.\nAll winners are entitled to cash business capital, investment products\nfrom BMoney and medical vouchers from EMC Healthcare. The programme is\nexpected to accelerate the growth of MSMEs and digital partners in\nIndonesia.<\/p>",
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