Young Indonesians Urged to Set Realistic Financial Goals
JAKARTA — Young Indonesians are being encouraged to develop the ability to set realistic financial goals. Financial planner and Principal Consultant at Zapfinance Prita Ghozie stated that this capability has become increasingly relevant given the ease of access to digital financial services.
“The importance of setting realistic financial goals, building discipline, and making financial literacy the foundation of long-term financial resilience,” she said in an official statement on Friday, 27 February 2026.
This understanding is particularly important for young Indonesians, especially university students, to develop more practical financial literacy knowledge.
The programme provided recognition to 36 students from various universities across Indonesia. The programme ran from September 2025 to January 2026. Over five months, participants engaged in structured learning sessions, campus-based initiatives, and personal development activities aimed at building sound financial habits.
Eka Nilam Dari, Chief Executive Officer of ShopeePay Indonesia, stated that through the SPARK Student Ambassador Programme, the company sought to foster better financial literacy understanding among students. “So they can learn about, use, and utilise digital financial services more wisely, responsibly, and sustainably,” she said.
Meanwhile, Junedy Liu, Deputy Chief Executive Officer of SeaBank Indonesia, added that the company believes good financial literacy must be built from the university years to establish healthy financial habits throughout life. “Through SPARK, we encourage students to understand the fundamentals of financial management and use digital financial services consciously, so they can become more prudent, careful, and responsible users,” Liu explained.
Beyond technical learning, SPARK also emphasised strengthening soft skills such as communication, collaboration, and problem-solving—competencies considered crucial for young people entering the dynamic digital financial industry and operating under regulatory oversight.
Raihan Naufal, recipient of the Top 1 Individual Performance SPARK Student Ambassador award, said the programme taught the importance of managing finances wisely whilst boosting his confidence in communicating within the university environment. “Through various activities and collaboration with other students, I also contributed to enhancing financial literacy among my peers. This experience has been invaluable, not only for my studies but also in preparing myself for the professional world,” he concluded.