UNAIR NEWS Business Development and Start-up Incubation Agency (BPBRIN), in partnership with Suara Muslim TV, held a talk show titled Ranah Publik: Financial Planning for the Golden Generation 2045. The program aired live on Suara Muslim TV檚 YouTube channel on Friday, August 22, 2025.
The event featured several speakers, including Prof. Dr. H. Suparto Wijoyo, S.H., M.Hum., Dr. Sulistya Rusgianto, and A. F. Bayuny, Ph.D. In his opening remarks, Prof. Wijoyo said Indonesia檚 80th Independence Day should also be seen as a reminder for young people to strive for financial independence.
淚n this moment of celebrating Indonesia檚 80 years of independence, the younger generation must also experience financial freedom. It should serve as a period of learning for both the nation and the people, just as our founding fathers envisioned in their long-term plans, Prof. Wijoyo said.
Meaning of planning
He explained that financial planning has always been part of national life through funding and budgeting practices. Indonesia檚 annual state and regional budgets (APBN and APBD), he said, are proof of structured planning.
淎PBN and APBD reflect financial planning within an annual timeframe. To realize the Golden Generation 2045, we need strong financial frameworks supported by determination and discipline, noted Prof. Wijoyo, who also serves as Vice Director for Research, Internationalization, Digitalization, and Information at UNAIR檚 Postgraduate School.
He added that today檚 Muslim youth must foster creativity, economic vision, and entrepreneurial skills to secure financial stability. He drew a parallel to Prophet Muhammad, who established the Medina Charter to expand relations across communities and built marketplaces as symbols of economic growth at the time.
Steps and goals in financial planning
Achieving financial stability, however, is not simple. It requires consistent effort and time. Dr. Sulistya pointed out that several obstacles often undermine people檚 ability to manage their finances effectively.
淪ome of the main challenges are how people approach financial planning and how they set priorities. Long-term planning is crucial and should not be overlooked. And most importantly, financial planning must aim to bring true happiness攏ot only in this world but also in the hereafter, he explained.
Author: Ersa Awwalul Hidayah
Editor: Yulia Rohmawati
