UNAIR NEWS Financial literacy, particularly among young people, still receives limited attention. In fact, understanding financial literacy can provide long-term benefits. In an interactive seminar titled Naik Kelas Sejak Muda: Investasi dan Emas Syariah di Era Bullion Bank on Wednesday, Mar 4, 2026, financial literacy for the younger generation became the main topic of discussion.
淭he establishment of the Bullion Bank was inspired by the absence of institutions that protect gold investment activities. In fact, Indonesia is one of the largest gold-producing countries in the world, said Normasita, supervisor of the Financial Services Institution Supervision Division 4 at the East Java Provincial Office of the Financial Services Authority.
Investment through Bullion Bank
Normasita further explained that a Bullion Bank is an institution that manages gold investment activities. The Financial Services Authority (Otoritas Jasa Keuangan/OJK) is mandated to supervise the entity.
淲ith high gold consumption, the government decided to revise regulations related to this fund. OJK was then entrusted as the authority responsible for supervising the fund, starting from policies initiated by the Ministry of Finance, she explained.
She also added that not every banking entity can become a Bullion Bank. Several important requirements, including minimum capital, play a crucial role.
淚n addition to capital, there is another requirement, which is having a dedicated unit that manages gold-related activities. Risk management must also be comprehensive, and the management level or overall health of the entity must be in good condition. Therefore, if the bank is still financially healthy, it will not receive a 榲accine from OJK, she added.
Inputs from OJK
Along with the promotion of Bullion Bank activities, OJK as the financial supervisory authority gave several notions as a preventive measure for customers in choosing reliable banking institutions. According to Normasita, careful consideration in selecting a banking entity is necessary to minimize risks.
淲e from OJK encourage you to invest. However, first we must ensure that the company you want to invest in has an official license. If it is a private company, it must be licensed by OJK. Do not forget to check the legal and fiscal balance before investing, she explained at Sriwijaya Room, 5th Floor, ASEEC Tower, Dharmawangsa-B Campus.
She also reminded students to regularly check the financial information systems they use. Through routine monitoring, the quality and credibility of each investment product provider can be identified more clearly.
As the organizer of the interactive seminar, PUSPAS UNAIR, in collaboration with Bank Syariah Indonesia and the Financial Services Authority (OJK), hopes the event can provide deeper financial literacy insights for students. Therefore, the activity also supports the achievement of the Sustainable Development Goals (SDGs) point 8, namely Decent Work and Economic Growth.
Author: Amelia Farah Putri Iswara
Editor: Yulia Rohmawati
