AIESEC At Prasetiya Mulya University Holds Impact Circle 2025 To Improve Youth Financial Literacy

JAKARTA - In the midst of increasing economic complexity and rapid development of digital financial services, financial literacy is an important competence for the younger generation of Indonesia. The OJK National Literacy and Financial Inclusion survey noted that although the financial inclusion index reached 80.51 percent. The national financial literacy rate is still at 66.46 percent.

This gap shows that the ease of access to financial products has not been fully balanced with the ability to understand and manage it wisely.

Data says Insight Center also reveals significant challenges among young people: 49.5 percent of generation Y and 59.4 percent of generation Z recognize that their spending is greater than revenue. This data confirms the importance of an in-depth understanding of personal financial management ranging from income, expenses, savings, emergency funds, to investments.

Responding to these needs, AIESEC at Prasetiya Mulya University held Impact Circle (IC) 2025 on November 14, 2025, an annual collaborative forum that brought together students, professionals, and changemakers to discuss social and economic issues. With the theme 'Money Talks: Mastering Your Personal Finance Strategy,' IC 2025 aims to provide insights and financial management strategies that are relevant to the younger generation.

This program also supports the achievement of the Sustainable Development Goals (SDGs), especially SDG 4 (Quality Education) and SDG 8 (Decent Work and Economic Growth), through strengthening financial competence that supports career readiness and sustainable economic growth.

The event, which took place at the Harry Jusuf Auditorium, Prasetiya Mulya University, presented Hany Gungoro, CFA, a Business & Financial Mentor with more than 30 years of experience, as a keynote speaker. Hany emphasized that behavior in managing money is more important than mere mathematical ability.

Financial literacy is not just the ability to calculate, but understanding our behavior towards money. Young people need to commit to tracking expenses and building saving discipline. The amount is not the main thing, but consistency. If we are disciplined in investing or saving every month, our mindset will also be formed: managing money to manage the future," said Hany, quoted Monday, December 1.

In addition to seminars, participants take part in a workshop based on case studies that simulates the financial challenges of a fresh graduate in achieving the target of savings and investment. Participants are invited to analyze problems, formulate budget strategies, and design realistic financial plans.

The chairman of the Impact Circle 2025 organizer, Daffa Abrian Saleh, emphasized the relevance of this program for the habits of today's youth.

Financial literacy is the basic ability that forms future behavior and decisions. Through this program, we want to raise awareness as well as provide practical tools so that participants are able to manage their finances wisely," he said.

The enthusiasm of participants was seen throughout the event. Devina Priyanka, a student in the Business undergraduate at Prasetiya Mulya University, shared her experience:

"Usually I only hear theories about investment or budgeting, but through this event I really understand how money moves in real situations. I'm so more confident to start managing my personal finances."

With hundreds of participants from Prasmul and public students, Impact Circle 2025 emphasized AIESEC's commitment to present a program that encourages cross-stakeholder collaboration, in order to form a young generation that is financially literate, impact-oriented, and ready to contribute to the progress of the national economy.