DENPASAR — The Financial Services Authority (OJK) continues to strengthen financial literacy among Indonesia’s young generation by encouraging them to become smart and responsible investors. This message was emphasized by Inarno Djajadi, Chief Executive of Capital Market, Derivatives Finance, and Carbon Exchange Supervision at OJK, during a Financial and Capital Market Education session at Hindu University of Indonesia (UNHI) in Denpasar.
The program is part of the Bali Regional Financial Access Acceleration Team (TPAKD) initiative held in celebration of the 2025 Financial Inclusion Month and the 48th Anniversary of the Indonesian Capital Market.
Financial Literacy as the Foundation for Smart Investment
Inarno underlined that financial literacy and understanding of the capital market are crucial to protect society—especially young people—from illegal investment schemes.
“Financial literacy and knowledge of the capital market are key to preventing people from falling into fraudulent investments. Educational programs like this are essential to encourage safe, legal, and risk-appropriate investing,” Inarno stated.
He further noted that understanding investment risks, mechanisms, and benefits will help individuals make smarter and more informed financial decisions.
As of today, Indonesia’s capital market investors have reached 19 million, with over 54 percent aged under 30 years old.
“In Bali alone, more than 330,000 investors have joined the capital market, placing the province among the top ten in Indonesia,” he added.
Invest Wisely: Always Legal and Logical
Inarno also reminded students that the capital market is not a place for speculation, but a safe and transparent investment platform strictly supervised by OJK and Self-Regulatory Organizations (SROs) such as the Indonesia Stock Exchange (IDX), Indonesian Clearing and Guarantee Corporation (KPEI), and Indonesian Central Securities Depository (KSEI).
“Before you invest, make sure you understand what you’re buying. Always remember the principle of ‘2L’ — Legal and Logical. If something sounds too good to be true, it probably is,” he emphasized.
He also encouraged students to align their investment decisions with their financial capacity and risk profile to avoid speculative practices.
Universities as the New Centers of Financial Literacy
The Rector of Hindu University of Indonesia, Prof. I Made Damriyasa, expressed appreciation for OJK’s proactive effort to bring financial education directly to campuses.
“OJK’s presence here is crucial in equipping students with proper financial knowledge, helping them make informed decisions and avoid irresponsible investments,” said Damriyasa.
The initiative is part of the 2025 Thematic TPAKD Program, a collaboration between OJK, SROs, and the Bali Provincial Government to improve financial inclusion and protect the public from illegal investments.
From January to October 2025, the program has conducted 19 educational events across nine districts and cities in Bali, reaching 1,750 participants from civil servants, academics, and the general public.
Competition to Inspire Financial Literacy
As part of the initiative, OJK also held the Bali Stock Trading Competition (B-STRAC) 2025, a stock trading challenge for civil servants and student investment clubs from universities across Bali. The competition, held from October 27–31, 2025 via the IDX Mobile app, provided hands-on learning on responsible trading.
During the event, OJK also awarded the B-STRAC 2025 winners and recognized the Best IDX Investment Gallery for their contributions to promoting financial literacy and investment awareness among youth.
Building a Sustainable and Inclusive Financial Ecosystem
Through these initiatives, OJK aims to strengthen collaboration with academic institutions, government agencies, and market stakeholders to build a financially literate and inclusive society.
“We want young people to not only become users of financial products but active participants who understand sustainable and responsible investing,” Inarno concluded.
With continued education and collaboration, Bali is expected to emerge as a leading province in nurturing a generation of smart, ethical, and future-ready investors, in line with OJK’s vision of a sound, inclusive, and sustainable financial system for all Indonesians.***
