JAKARTA - Efforts to increase literacy and inclusion of the Capital Market in Indonesia are emphasized in a joint movement involving the Government, regulators, and industry players. On Thursday, April 27, at the Main Hall of the Indonesia Stock Exchange, the Financial Services Authority (OJK) together with the Association of Indonesian Mutual Fund and Investment Actors (APRDI) and industry players launched the Planned and Periodic Investment Program (PINTAR) Mutual Fund and Mutual Fund Week 2026.
Present at this historic moment include Airlangga Hartarto as Coordinating Minister for the Economy of Indonesia, Friderica Widyasari Dewi as Chairperson of the Board of Commissioners of the Financial Services Authority, and Purbaya Yudhi Sadewa as Minister of Finance of the Republic of Indonesia. The launch of this program is a strategic momentum in encouraging the public to better understand investment instruments, especially mutual funds, as part of long-term financial planning and efforts to strengthen the domestic financial market.
In line with this movement, Bibit.id, the leading digital investment application in Indonesia, emphasizes its role as a pioneer of the Systematic Investment Plan (SIP) or Routine Savings program. This program encourages people to invest consistently and disciplined, without having to wait for large capital. Bibit has long educated the public about the importance of periodic investment as a strategy for building wealth sustainably. This approach is considered relevant to the condition of the Indonesian people who need simple but effective investment solutions.
Bibit.id Director, Hilmawan Kusumajaya, said Bibit appreciates the support from OJK, BEI, and the Association in launching this program. This program is in line with Bibit's mission since the beginning, where it wants to help the Indonesian people to achieve their financial goals in the future.
"The philosophy of planned and periodic investment has proven to be the most effective way for people to build long-term wealth as has already happened in India. Bibit will continue to actively campaign for Mutual Fund Investment and has had a goal-setting and Systematic Investment Plan (SIP) feature since 2020 to help Indonesian people invest in a planned and periodic manner," he said.
Regarding the PINTAR Mutual Fund program, Hilmawan assessed that the Systematic Investment Plan (SIP) method is a pillar that helps people to have discipline and consistency in investing. SIP is a combination of the power of compounding and Dollar Cost Averaging strategies. SIP requires investors to deposit money into mutual funds in the same amount, scheduled, and in a time horizon that has been adjusted to their financial goals.
For example, if an investor wants to buy a dream home in the next 10 years, then the SIP strategy is perfect to help him invest with discipline, ease, flexibility, and of course in a diversified portfolio.
According to Hilmawan, to achieve certain financial goals, discipline in investing and accuracy in choosing the type of investment instrument are the keys to the success of investors in realizing their financial goals. Systematic Investment Plan is basically setting aside funds regularly for a certain period of time, committing to realizing financial goals, and at the same time resisting the temptation to sell mutual funds before our goals are achieved.
Hilmawan added that the essence of SIP is to invite every investor to be disciplined in investing regularly and planned, not an investment recommendation in large amounts. He also emphasized the importance of diversifying to reduce the risk of investing in one instrument only.
"SIP is a safe investment strategy, proven to be profitable, and an alternative investment for the long term," he said.
According to India Times, Systematic Investment Plan (SIP) is an investment strategy where investors invest the same amount of money in a certain mutual fund periodically or regularly. One of the reasons why SIP is becoming more popular is the availability of support from various financial technologies. In India, since the launch of the "Mutual Fund Sahi Hai" campaign (mutual funds are the right choice) by the Association of Mutual Funds in India (AMFI) in 2017, SIP has proven to be a successful strategy that has changed the investment landscape in the country.
"From February 2017 to March 2019, the average assets under management (AAUM) of mutual funds in India grew by 33%. What is even more astounding, from the beginning of this movement to today, the AAUM in mutual funds in India has grown by 600 percent," said Venkat N. Chalasani as Chief Executive of AMFI who was present at this historic moment.
"Looking back at the success story in India, of course we are optimistic that together we can achieve the same success in Indonesia. Moreover, data shows that as of today, the number of Capital Market investors is more than 26 million investors," concluded Hilmawan.
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