Berdasarkan hasil survei Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) 2024 yang diinisiasi OJK, Indeks Literasi Keuangan Nasional berada di angka 65,43%, sedangkan Literasi Keuangan Konvensional dan Syariah tercatat di 65,09% dan 39,11%. Sementara itu, Indeks Inklusi Keuangan Nasional mencapai 75,02%, sedangkan Inklusi Keuangan Konvensional dan Syariah tercatat di 73,55% dan 12,88%. Angka-angka ini memberikan gambaran mengenai seberapa jauh masyarakat Indonesia telah memahami dan mengakses produk keuangan, baik konvensional maupun syariah.
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00:00Thank you, Mr. Mir, for joining us again, and we are in the CreateUp segment, accompanied by me, Wiki Adrian.
00:11That's right, this time we won't be two, in CreateUp we will be three.
00:14For example, to discuss our topic, what's interesting this time is more inclusive investment with the financial marketplace,
00:19and investment is already present in the IDX Channel studio, there is Mrs. Niputu Kurniasari, who is the Chief Operation Officer of Bareks.
00:27How are you, Mrs. Putu?
00:28I'm good, good morning. Thank you for joining us.
00:32Thank you for joining us this morning in CreateUp.
00:35If we discuss about the inclusivity of investment in society, maybe it's their financial literacy,
00:42from the point of view of Mrs. Niputu or Mrs. Putu, what is it like so far?
00:46Yes, so in terms of inclusion, in the last 10 years, especially in the last 5 years,
00:54the development has been quite rapid.
00:57We from Bareksa, including one of the investors at the beginning,
01:03the number of investors in the capital market was still around 500,000.
01:08If we look at around 2007-2008, then below 2010,
01:16at this time, the number of investors has grown a lot,
01:21increased many times, up to almost 13 million.
01:25And if we look at the balance, it's around 11 million.
01:28Indeed, because it is encouraged by the stakeholders in this industry,
01:36supported by the OJK, with the online distribution by the investment marketplaces,
01:44the growth of investors has increased quite rapidly.
01:48However, we hope that this positive trend will continue to develop.
01:54Why? Because if you look at it, it actually looks very significant, the growth.
02:00However, if we look at the comparison of the number of populations,
02:03it's actually still relatively small compared to our countries.
02:09So there's still a lot of room.
02:11So it's still below 5% if we look at the penetration.
02:15So this is what we are still chasing for this potential,
02:21not to lose momentum like that.
02:24Okay, how do you chase it?
02:26Bareksa is the first financial marketplace and first integrated investment in Indonesia.
02:32How is it?
02:34Because now there are many other than Bareksa,
02:37there are also many emerging investment marketplaces.
02:40That's right.
02:41So if we look at it from the side,
02:47why did we offer this in the first place?
02:50Because if you look at it, the era of our economy is already in its infancy.
02:58So it means we have to help people find alternatives to help their passive income.
03:06Imagine if at that time, digitalization didn't come into this,
03:12it would be very difficult for people to even know about interest rates,
03:19about stocks, about bonds.
03:23It's very difficult to get that information if we look back 10 years ago.
03:29With the existence of technology, it helps in terms of literacy and also makes it easier.
03:36So even until the people are exploited, they can buy this investment.
03:43Just by phone.
03:44Just by phone.
03:45You don't have to go anywhere, bring data.
03:49Because if you say that money is not placed in other places,
03:56in the end, with the era of low-income families,
04:00it will not be able to help to balance if there is an increase in prices.
04:06In the era of digitalization, everything should be easy.
04:09There is also the existence of financial marketplaces and also investments in Indonesia.
04:14From your point of view, what is actually still a challenge?
04:18The comparison with the number of people is still very far.
04:22What is the challenge?
04:23Digitalization has made it easier, but still, the number is not too ideal.
04:27From your point of view, what is it?
04:29Again, literacy.
04:32Because our society has been used to the high-income era.
04:40So the mindset is that if I invest, I will definitely get high results.
04:49That is one of the fatal mistakes for our society.
04:55To assume that investment will immediately make you rich.
04:58That is one of the challenges of how we literate.
05:02Actually, investment is as a balancer.
05:06So it still has an active income.
05:09The passive income is so that the funds do not lose to inflation, to the increase in goods prices.
05:16The mindset of society today is that I will be much more fortunate if I invest.
05:21If not, what should I do?
05:23Even though it is more of a passive income.
05:26Yes.
05:27In the end, the challenge is that there are a lot of stupid investments.
05:30They choose that.
05:32Because by selling high gains.
05:35Multiplied by tens of percents.
05:37Robo-trading, especially now.
05:40There are a lot of judo, etc.
05:42This is still a challenge for us.
05:47How to literate the community.
05:50That actually this is not like that.
05:53This is a balance.
05:55I heard that Mrs. Putu has also released an application from Bareksa.
06:00Is this going to make it easier to provide literacy and inclusion?
06:05Yes.
06:06We will be back soon.
06:08Thank you, Mr. Miersa.
06:09We will still discuss with the Chief Operations Officer of Bareksa.
06:13Which is the first integrated financial and investment marketplace in Indonesia.
06:17It has been integrated since 2015.
06:21The news is that there is a new feature in it.
06:25What is it?
06:26We are currently adding stocks to our platform.
06:29We launched it in November last year.
06:32To equip investors in diversifying their investments.
06:38Before that, there was no stock?
06:40Not yet.
06:41We started with Reksadana.
06:43Then SBN.
06:45Then we sold gold.
06:47And the last one is stock.
06:49Why did we launch SuperApps?
06:53Because the needs of the community are different.
06:57First, the needs are different.
06:59It depends on the risk profile of each investor.
07:03That's the first.
07:04Second, we see the ease.
07:07For example, there is an investor who wants to make a stock transaction.
07:12But we know that stocks need momentum.
07:15There is a timing.
07:16So there are times when he does not do stock trading.
07:19He can mark his funds in Reksadana.
07:23We make it like this to make it easier for investors to choose their investments.
07:29And the third is actually,
07:31by integrating investment products,
07:35actually introduce each other.
07:37For example, my appetite is in SBN.
07:41It's very difficult.
07:43At first I didn't know about Reksadana.
07:45But I know about SBN.
07:46I bought SBN.
07:47Then because it entered our platform,
07:50there is Reksadana too.
07:51So he learned.
07:52Oh, if Reksadana is like this.
07:54This is why we made SuperApps to be able to meet all three.
08:00Then what is the value?
08:02When the community users use the platform from Bareksa.
08:07From the completeness, ease, or whatever.
08:11That's right.
08:12So earlier we offered a fairly complete investment product.
08:17We also pay attention to the results that will be received from the investor.
08:24So we don't literally just offer ease.
08:27But we also look at the value of the partners that we distribute the product to.
08:35Reksadana, we see which one is good.
08:39So that's also a point value.
08:43Why do investors invest through our platform?
08:46Okay, can you tell us a little bit about the development of Reksadana from Bareksa?
08:53What is it like so far?
08:54And after the launch of the stock, in short, how has it been so far?
08:58So from the side, it's quite significant.
09:02So the total from our investor side is more than 3.6 million.
09:06And from the management side, which we manage, it's more than 10 trillion.
09:12So it means...
09:13For Reksadana?
09:14That's right.
09:15So the appetite is getting higher.
09:19Especially with the completeness of the product.
09:22And the product also has value.
09:24And we also give advice, give recommendations to the investor side.
09:31Related to these investment products.
09:34That's what drives the performance of Andi's funds so far.
09:41What about stocks?
09:42Stocks too.
09:44Because the advantage is that there is integration between the stock and the Reksadana easily.
09:52What I see right now is that it's still on our side that it's easy to invest in stocks and Reksadana in the same and digital application.
10:05Because we're talking about...
10:07In fact, there are also those who have apps, but maybe the way is not really using digitalization.
10:16Well, for us, from the beginning, we are a technology company.
10:20So this is what will...
10:22The core is there.
10:23The core is there.
10:24That's what makes Bareksa better.
10:26So there are features that make it possible for investors to do trading through the Bareksa application.
10:33The term of investment can also be trading or medium or long term.
10:37It depends on all investors.
10:39It depends on the characteristics.
10:41Rather than just providing the platform.
10:43The advantages, as mentioned earlier, are integrated.
10:47Then you don't have to worry because the Reksadana product itself is curated.
10:54What are the advantages compared to other platforms?
10:57As mentioned earlier, not only from the Reksadana side, there are other investment products.
11:04So it can also optimize the investor's portfolio.
11:10Because as we know, it doesn't matter if there is a condition where the stock is good.
11:16Or it doesn't matter if there is a condition where the market is good.
11:21So this is the advantage of our platform.
11:25We no longer have to move applications or platforms.
11:30In one application, if the financial condition changes, we can easily move from product A investment to product.
11:41And Wiki, it also looks very easy.
11:47Because when we open it, we can immediately see how much total investment we have.
11:52Then how much total Reksadana we have.
11:55Then Reksadana is going up or down.
11:57So when we want to switch, it can be done very easily.
12:01So the way is to download Bareksa Super Apps.
12:04Yes, that's right.
12:06What is the short and long term target for Bareksa?
12:12From our side, what we are focusing on right now is connecting between investment products.
12:24That's what we will try to strengthen in the future.
12:28Then from the advising side, because technology has also started to develop.
12:36There is AI technology.
12:38We actually already have a robot advisor in our platform.
12:42This is what we will strengthen.
12:44Because right now, if we look at the regional, the use of AI has also become more passive.
12:53So we see that there is already potential.
12:56We also discuss with regulators how this can be safe for the community.
13:04The risk is measured, but it can also help.
13:07AI is not only in other industries, but also in the capital market.
13:12The point is that the risk is measured.
13:16And how to choose an investment application that is easier and safer.
13:23Thank you for joining us.
13:29We will see an update on the movement of IHSG.
13:33From the opening of C61 until now, the pool is 9 more than 28 minutes.
13:36When Indonesia is in the western part.
13:38IHSG is monitored, still weakening 0.83% or 64 points.
13:42In 7704, closer to the psychological level of 7700.
13:46The exchange rate of US dollars is strengthening at 15,063.
13:52Top Gainers are PTRO, MDKA, Goto, Tins, BRMS, MBMA, PSAB, and BSBK.
14:02Top Losers are BBRI with a 3% weakness at 5,350.
14:10BCA fell to 10,650, 1.39%.
14:16Self-employed are BREN, Telkom, BBNI, BBTN.
14:19Supported by Samsung, Blue Chips, especially Banking.
14:23This morning is a weakness of IHSG.
14:26And that's it.
14:28Short review, update until now.
14:30We have accompanied you for 90 minutes in Power Breakfast.
14:33I hope today's discussion can be a reference and source of information for you.
14:36Stay updated with your information only on IDX channel.
14:39Trustworthy and comprehensive investment reference.
14:41Don't forget to watch the Market Review program.
14:43It airs at 10.00 p.m. on West Indonesia time.
14:46Because the future of the future must be ahead.
14:48I am Investor Saham. I am Prisa Sombodato.
14:51I am Adrian. See you.
15:13Transcription by ESO. Translation by —