Bank Raya Encourages Students and MSMEs to Be More Productive

Bank Raya, operating as a digital bank within the BRI Group, is actively working to enhance digital financial literacy across Indonesia. Through its "Inspiraya" program, the bank focuses on educating the public, particularly young individuals and micro, small, and medium-sized enterprises (MSMEs), on managing their finances in the digital era.

The recent "Inspiraya" event, themed "Financial Wellness in the Digital Era: Manage Money According to Goals, Live More Peacefully," featured Bank Raya's Head of Digital & Product Division, M. Farhad, and Financial Planner Lolita Setyawati. They emphasized the importance of planned financial management, from daily expenses to long-term savings, and the necessity of separating personal and business finances for sustainability.

Lolita Setyawati highlighted that financial wellness in the digital age requires disciplined planning alongside easy access to financial services. She advised understanding priorities, creating realistic budgets, cultivating consistent saving habits, and preparing for emergencies and long-term financial goals early on.

M. Farhad added that digital technology, when supported by user-friendly features, can foster better financial habits. He explained that Bank Raya's Raya Application aims to provide a practical banking experience that not only facilitates transactions but also helps customers manage their finances according to their goals. The "Saku Bisnis" feature within the app is specifically designed to help business owners maintain discipline by separating business and personal funds, allowing for better cash flow monitoring and enabling them to focus on business development.

Bank Raya's "Inspiraya" program is a regular initiative, conducted both online and offline, to provide practical and relevant financial management education. In 2026, the program has already produced over 40 content pieces, reaching more than 50,000 individuals. Corporate Secretary Ajeng Putri Hapsari stated that the bank is committed to delivering financial literacy that meets current needs, especially for the younger generation and business owners, encouraging healthy financial habits and goal-oriented money management.