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<\/p>\nThe event was a joint initiative between UMSU and strategic partners including the Indonesia Stock Exchange (IDX) North Sumatra Region, BRI Danareksa Sekuritas, BRI Life, and BRI Medan Thamrin, aimed at promoting financial literacy among students from an early age.<\/p>\n
The seminar featured three key speakers: Enny Magdalena Saragih from the IDX North Sumatra Regional Office, Tauhid Akbar Pane from BRI Danareksa Sekuritas, and Yuki Novriyanti from BRI Life. The session was moderated by Dodi Firman, SE., MM., a lecturer at UMSU\u2019s Faculty of Economics and Business (FEB).<\/p>\n
In her presentation, Enny Magdalena Saragih emphasized that the notion of needing large capital to invest is outdated.
\u201cToday, investing is no longer a luxury\u2014anyone can start with as little as a hundred thousand rupiah. What holds people back is often the lack of a proper financial plan,\u201d she explained.<\/p>\n
She also underscored the importance of investment safety.<\/p>\n
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\u201cBefore investing, remember two key things: ensure the platform is legal and registered with the Financial Services Authority (OJK). The main goal of investing is to beat inflation. Don\u2019t wait until you\u2019re rich to start investing\u2014invest so you can become financially secure,\u201d she added.<\/p>\n
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Tauhid Akbar Pane explained that BRI Danareksa Sekuritas, a subsidiary of BRI, operates under the supervision of the Ministry of Finance and is an official member of the Indonesia Stock Exchange.
\u201cStudents can\u2019t buy shares directly from companies\u2014they must go through licensed brokerage firms,\u201d he said.<\/p>\n
He introduced various investment platforms offered by BRI Danareksa, such as the Tripro app and mobile platforms. For students, there\u2019s also the user-friendly BRI Grade<\/em> trading system. Tauhid also highlighted the importance of understanding investor rights and obligations. Yuki Novriyanti from BRI Life concluded the session by stressing the importance of long-term financial protection through insurance. She emphasized that investment and protection should go hand in hand, especially in the face of economic uncertainty and life\u2019s risks. Earlier, UMSU Vice Rector II, Prof. Dr. Akrim, M.Pd., opened the event by stating that this initiative is part of UMSU\u2019s ongoing efforts to equip the younger generation with the tools to face future financial challenges. He also noted that the partnership between UMSU and the BRI Group has been long-standing, with this seminar serving as a result of their growing synergy. As a token of appreciation for student enthusiasm, Prof. Akrim held a quiz and awarded two MacBooks to the most engaged and passionate students during the seminar. The interactive discussion ended with a token of appreciation presented by Vice Rector II Prof. Dr. Akrim, M.Pd., to the three keynote speakers: Enny Magdalena Saragih, Tauhid Akbar Pane, and Yuki Novriyanti.<\/p>\n Also in attendance were the Dean of the Faculty of Economics and Business (FEB) Dr. H. Januri, S.E., M.M., M.Si., CMA; vice deans from FEB, the Faculty of Engineering, and the Faculty of Computer Science and Information Technology (FIKTI); UMSU lecturers and expert staff including Prof. Dr. Ir. R. Sabrina, M.Si.; and numerous students.<\/p>\n With this seminar, UMSU reaffirms its commitment to strengthening financial literacy among students. Through strategic collaboration with the Indonesia Stock Exchange and the BRI Group, students are encouraged not only to observe the financial world, but to actively and wisely participate in shaping their financial futures.<\/p>\n","protected":false},"excerpt":{"rendered":" PT Bank Rakyat Indonesia (BRI), in collaboration with Universitas Muhammadiyah Sumatera Utara (UMSU), held a seminar titled “Introduction to the Capital Market and Smart Investment Strategies” on Tuesday (May 27) at the UMSU Campus Auditorium, Jalan Muchtar Basri No. 3, Medan. The event was a joint initiative between UMSU and strategic partners including the Indonesia […]<\/p>\n","protected":false},"author":16,"featured_media":16843,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":""},"jnews_social_meta":{"fb_title":"","fb_description":"","fb_image":"","twitter_title":"","twitter_description":"","twitter_image":""},"jnews_override_counter":{"override_view_counter":"0","view_counter_number":"0","override_share_counter":"0","share_counter_number":"0","override_like_counter":"0","like_counter_number":"0","override_dislike_counter":"0","dislike_counter_number":"0"},"footnotes":""},"categories":[1786,19],"tags":[],"yst_prominent_words":[],"class_list":["post-16842","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-event","category-news"],"_links":{"self":[{"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/posts\/16842","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/comments?post=16842"}],"version-history":[{"count":2,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/posts\/16842\/revisions"}],"predecessor-version":[{"id":16845,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/posts\/16842\/revisions\/16845"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/media\/16843"}],"wp:attachment":[{"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/media?parent=16842"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/categories?post=16842"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/tags?post=16842"},{"taxonomy":"yst_prominent_words","embeddable":true,"href":"https:\/\/umsu.ac.id\/en\/wp-json\/wp\/v2\/yst_prominent_words?post=16842"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}
\u201cThere are three main types of investments: stocks, bonds, and mutual funds. You can start investing in stocks with just one lot. But remember\u2014only use idle money, not your daily living expenses. Never go into debt just to invest,\u201d he warned.<\/p>\n
\u201cProfits from stocks come from dividends or capital gains. However, dividends are not mandatory; only financially healthy companies pay them,\u201d he added.<\/p>\n
\u201cWhen we talk about developed countries, we\u2019re also talking about insurance. A sound financial plan isn’t just about growing money\u2014it\u2019s also about protecting it,\u201d she stated.<\/p>\n![](\"https:\/\/i0.wp.com\/umsu.ac.id\/wp-content\/uploads\/2025\/06\/HMS04058.jpg?resize=300%2C200&ssl=1\")
<\/p>\n
\u201cThe future holds tougher challenges than the past. That\u2019s why this event is crucial in shaping a forward-thinking mindset and encouraging investment from a young age,\u201d he said.<\/p>\n
\u201cDon\u2019t waste this opportunity. Young people must invest\u201480% of today\u2019s youth are not financially ready for retirement. Take advantage of this chance, but invest wisely. Don\u2019t invest just because of FOMO or peer pressure,\u201d he emphasized.<\/p>\n
\u201cThis opportunity is for both lecturers and students. Let\u2019s begin dreaming about our future, and may this event bring benefits and success for us all,\u201d he concluded.<\/p>\n<\/p>\n