BNI Educates Youth on Cash Flow Management

YOGYAKARTA, CNBC Indonesia — PT Bank Negara Indonesia (Persero) Tbk (BNI) provided financial education as part of the Jogja Financial Festival 2026. Under the theme “Financial Management for Sustainable Growth”, attendees enthusiastically received insights on managing finances from experts.

Amidst the growing trend of investment among the youth, BNI’s UGM Branch Office Brand Manager, Diah Charmaningtyas, explained that the critical issue for young people is not just low income but also limited ability to manage cash flow. She emphasised the need to calculate expenditure as a percentage of income, stressing the importance of budgeting to prevent funds from being exhausted immediately, allowing for savings and investments.

“The remaining funds should cover daily living expenses and obligations. It’s crucial to determine what percentage should be saved. Often, people focus on the savings ratio but forget to allocate it monthly,” Diah said during the “Financial Management for Sustainable Growth” Edu Class.

She also addressed the impact of “doom spending”—impulse buying driven by stress, anxiety, fatigue, or uncertainty about the future. “If we shop within our means and manage our emotions, we can achieve sustainable financial management,” she added.

Conversely, poor financial management can lead to chaotic personal cash flow, which must be avoided as individuals are responsible for their own income and expenditure. Diah further urged participants to plan using life goals, such as budgeting for purchases by monitoring available funds, projected expenses, and the purpose behind each acquisition. This ensures needs are met without financial strain, as every purchase requires prior planning.