Yogyakarta, 14 June 2025 – The transition from campus life to the professional world is not merely about moving from classrooms to office desks. This is a phase of life that demands fundamental changes in mindset, adaptation to a new culture, and, just as importantly, financial maturity.
This topic emerged in a talk show titled “Cerdas di Era Digital” (Smart in the Digital Era), which is part of the Jagoan Kampus program involving more than 500 students from three prominent universities in Yogyakarta, held from June 12 to 14, 2025.
Jagoan Kampus is a program initiated by PT Bank Jago Tbk as an effort to invite the younger generation, especially university students, to actively network and develop digital skills, as well as care for financial health from an early age. This series of activities in Yogyakarta was held in collaboration with Universitas Muhammadiyah Yogyakarta, Universitas Pembangunan Veteran, and Universitas Atma Jaya.
Andhina Aryani, Sustainability Program Activation Specialist at Bank Jago, believes that one of the challenges faced by the younger generation today is not just about how to earn money, but how to manage it. Consumptive culture triggered by lifestyle and social media trends often causes many young people to fall into impulsive spending habits just to appear "decent" in the eyes of others.
"Managing expenses wisely is not about excessive restraint, but about making smart choices. We must dare to say no to things that are not yet necessary, and know what needs to be prioritized," she said.
Andhina also emphasized the importance of building financial resilience amidst constantly changing economic conditions. She stressed the importance of building healthy financial habits from an early age, starting from simple things like recording expenses, routine saving, to learning to delay gratification.
"Financial resilience is not something instant, but the result of discipline formed in daily life," she asserted.
Andhina introduced four stages of financial health, starting with financial security, which is the ability to meet basic daily needs such as rent, bills, food, transportation, and loan payments,if any. Next is financial resilience, which is readiness to face emergency situations by having an emergency fund of at least three times monthly expenses and health insurance coverage.
The third stage is financial control, characterized by confidence in making major financial decisions, choosing low-risk but profitable options, and starting to learn long-term investments. The final stage is financial freedom, where a person already has sufficient passive income to cover living expenses, retirement funds, life insurance, and is able to manage long-term assets.
To facilitate financial management, Andhina recommended applications that can help manage finances, like Jago and Jago Syariah Apps. By using the Jago Application, users can allocate money according to their needs or for various financial goals.
One of the excellent features used is Pocket, which allows users to create up to 60 pockets with special account numbers, which can be adjusted to spending or investment needs. This innovation was designed by Bank Jago to help people manage their finances more structured and according to daily life needs.
On the same occasion, Dwi Gelegar Gilang Ramadhan, Employer Branding & Engagement at Bank Jago, highlighted the challenges faced by the younger generation when entering the professional world in the digital era. He observed that many fresh graduates experience confusion and culture shock when they have to adapt to a dynamic and fast-paced professional culture.
According to him, companies today are not only looking for academically intelligent graduates, but also individuals who are able to think analytically, creatively, and have high resilience and flexibility. The ability to be agile, or quickly adapt to change, has become one of the main competencies currently highly needed by the industry.
Responding to these conditions, Bank Jago introduced Jago Digital Academy, a self-learning initiative aimed at developing digital talents to be more ready to face the professional world. This program is designed to enrich knowledge and skills according to industry needs, as well as bridge the gap between campus material and reality in the field, especially in the technology-based financial world.
"A career starts with recognizing self-potential, building a portfolio, expanding networks, and being accompanied by financial maturity. Because success is not just about work, but also how to manage the results," Gilang concluded.
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