Preparing Long-Term Finances for Children's Education: Prudential Syariah Reveals 5 Key Points

Prudential Syariah offers tips for parents of schoolchildren in preparation for the upcoming 2026-2027 academic year, which will begin shortly. Chief Customer Marketing Officer of Prudential Syariah, Vivin Arbianti Gautama, explains that among the many preparations parents must undertake for the new school year, one aspect is often overlooked. “That is long-term financial readiness for children’s education,” said Vivin in her statement on Tuesday, 5 May 2026. She notes that data from the Financial Services Authority (OJK) indicates that average school entrance fees rise by 10-15% per year. This means the cost of primary school entry today could multiply by the time children reach high school, let alone university. “If relying solely on ordinary savings, the funds accumulated over years often prove insufficient when the time comes,” she stated. Therefore, to make this year’s back-to-school preparations more comprehensive—beyond just new bags and shoes—Vivin provides five key items for every parent’s checklist: 1. Ensure school documents and administration are complete from the start; don’t wait until the last minute! From birth certificates and family cards to semester report cards—prepare everything early so the registration or re-enrolment process runs smoothly without drama. 2. Rebuild the child’s routine before the first day of school. After a long holiday, children’s sleep schedules and eating patterns are often disrupted. Start restoring their daily rhythm 1-2 weeks before school begins, so the first day doesn’t feel overwhelming. 3. Prepare mentally, not just supplies. Advancing a grade, changing schools, or meeting new friends—all of this can make children anxious. Have open conversations with them about their feelings. Emotional support from parents has a far greater impact than one-way advice. 4. Separate education funds from daily savings. This is often overlooked. Many parents mix education funds with everyday savings, unknowingly using them for other needs. Having a dedicated fund—even if small—will help maintain discipline in pursuing the target school costs for children in the future.