Pasar Keuangan Indonesia masih menghadapi sejumlah tantangan di tengah ketidakpastian global di era suku bunga tinggi, memanasnya situasi geopolitik dunia hingga perlambatan ekonomi dan pelemahan daya beli masyarakat dalam beberapa tahun terakhir.
Meski demikian, PT BRI Manajemen Investasi optimistis terhadap prospek industri Reksa Dana Nasional di tengah ragam sentimen dari dalam maupun luar negeri dengan potensi pertumbuhan dana Kelolaan Reksa Dana atau AUM masih tetap ditopang besarnya investor dan kondisi ekonomi tanah air.
Meski demikian, PT BRI Manajemen Investasi optimistis terhadap prospek industri Reksa Dana Nasional di tengah ragam sentimen dari dalam maupun luar negeri dengan potensi pertumbuhan dana Kelolaan Reksa Dana atau AUM masih tetap ditopang besarnya investor dan kondisi ekonomi tanah air.
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TVTranscript
00:00How to get around in Indonesia
00:021. Visit a place with a good atmosphere
00:042. Talk to people around you
00:063. Ask for help
00:084. Ask for advice
00:105. Ask for advice
00:126. Ask for advice
00:147. Ask for advice
00:168. Ask for advice
00:189. Ask for advice
00:2010. Ask for advice
00:23Hello viewers of Women's Talk
00:25I'm Prisa
00:26Back again with you
00:27Talking to some inspiring women
00:29From Indonesia
00:30This time we're at
00:31BRI Investment Management
00:33Talking with the main director
00:36Who is she?
00:38Follow me on Women's Talk IDX channel
00:46Indonesian financial market
00:47Still facing some challenges
00:49With global uncertainty
00:51In the high-rise era
00:53The global geopolitical situation
00:55And the economic slowdown
00:57In the last few years
01:01However
01:02BRI Investment Management
01:04Is still optimistic
01:05About the prospects
01:06Of the national real estate industry
01:08With a lot of sentiment
01:09From both domestic and foreign
01:11Where the potential growth
01:12Of real estate management
01:14Or asset under management
01:16Still depends on the investor
01:18And the economic condition of the country
01:20That's why
01:21We need strategies and
01:22Enhance literacy
01:23About the role of investment
01:24Including tax
01:26As a solution
01:27Of financial planning
01:28For the people
01:31So how does the effort
01:32Of PT BRI Investment
01:34In increasing the interest
01:35Of investment
01:36To the people in Indonesia?
01:38Let's discuss
01:39With the main director
01:40Of PT BRI Investment Management
01:43Dina Melina
01:44Only on Women's Talk
01:46Dina Melina, PT BRI Investment Management Director
01:49I'm now with
01:50The main director
01:52Of PT BRI Investment Management
01:54Or the main director
01:56Dina Melina
01:58How are you, ma'am?
01:59I'm fine, thank God
02:00So beautiful
02:01Thank you
02:02For joining us
02:03On Women's Talk
02:04This time
02:06Who doesn't know
02:07BRI Investment Management?
02:09We know
02:11This is the first
02:12Investor of real estate industry
02:14In Indonesia
02:15Is it true, ma'am?
02:16Can you tell us
02:17What is it like?
02:18Let's get to know
02:19About BRI Investment Management
02:22Yes
02:23Actually
02:24BRI Investment Management
02:25Comes from
02:26An investment management company
02:29That has long been
02:31An investor
02:32Of real estate industry
02:34In the past
02:35This company was called
02:36Real Estate Investment Management
02:38But after BRI
02:39Became the shareholder
02:41In 2022
02:44We changed the name
02:45Or rebranding
02:46To BRI Investment Management
02:50If we talk about
02:51An investment management
02:53It's not without
02:55The management fund
02:57And so on
03:00How much
03:01Is the management fund now?
03:05In total
03:06Now
03:07BRI Investment Management
03:08Manages 43.5 trillion
03:11Assets under management
03:13Is there an increase
03:14Compared to last year?
03:15Of course
03:16There is an increase
03:17And
03:18Alhamdulillah
03:19After one year
03:22Focusing on the BRI ecosystem
03:24We
03:25Are one of the
03:26Investing managers
03:27That continues to grow
03:28In 2023
03:30And
03:31Consistent until
03:32The first semester
03:34In 2024
03:35So even though
03:36The industry is tough
03:37But
03:38Alhamdulillah
03:39BRIME
03:40Still shows growth
03:41And
03:42For
03:43AUM
03:44Funds
03:45Or funds only
03:46Our rank
03:47Has increased
03:48From last year
03:49To the 5th
03:50And
03:51This June
03:52Alhamdulillah
03:53To the 3rd
03:54What makes
03:55The rank
03:56From
03:57BRI Investment Management
03:58From last year?
03:59From the 5th
04:00To the 3rd
04:01Even though
04:02You said
04:03The condition is tough
04:05So
04:06If
04:07It's more
04:09We focus
04:10On
04:12Clients
04:13Or
04:14Investors
04:15That are
04:16Directed to
04:17Go retail
04:18And
04:19BRI itself
04:20As a group
04:21Has an amazing
04:22Client base
04:23And
04:24That's where
04:25The space for us
04:26To grow
04:27So
04:28BRIME's growth
04:29At the end of the year
04:30And
04:31The beginning of this year
04:32Is
04:33A lot of
04:34Retail segments
04:35Or retail investors
04:36So
04:37There are
04:38Many
04:39Who
04:40Didn't have
04:41BRIME before
04:42With
04:43Our
04:44Literacy programs
04:45Started to know
04:46And
04:47Finally
04:48Have a BRIME portfolio
04:49Because
04:50BRIME is
04:51Not an investment
04:52For
04:53The rich
04:54Because
04:55BRIME
04:56Can be bought
04:57By anyone
04:58Even
04:59Not only
05:00In
05:01Branches
05:02But
05:03You can also
05:04Buy it on
05:05Digital platforms
05:06All that ease
05:07Is what
05:08Promotes
05:09The
05:10Growth
05:11Of
05:12Investors
05:13Especially
05:14Those who
05:15Have
05:16BRIME
05:17Right
05:18The
05:19Image of
05:20Investment
05:21That
05:22Is
05:23Expensive
05:24But
05:25If we
05:26Go further
05:27Even
05:28100 thousand
05:29Can be
05:30Bought
05:31Yes
05:32Even
05:33We have
05:34Products
05:35That
05:36Even
05:3710 thousand
05:38Can be
05:39Bought
05:40Even
05:41100 thousand
05:42Can be
05:43Bought
05:44Yes
05:45It's
05:46A
05:47Huge
05:48Investment
05:49Management
05:50That
05:51Is
05:52Big
05:53In
05:54The
05:55World
05:56If we
05:57Talk about
05:58Retail
05:59Online
06:00It's
06:01Actually
06:02People
06:03Who
06:04Like
06:05Investment
06:06But
06:07is something that we have to do together.
06:11And it's not just one or two industry players.
06:15It has to be done together.
06:17Why? Because if we look at some data,
06:20for Indonesia, the total IUM,
06:23Indonesia's total IUM,
06:25our GDP is only 3%.
06:28And if we look at the total investors
06:31who have invested,
06:33Indonesia has only reached around 11 to 12 million.
06:36Compared to the amazing Indonesian population,
06:39it's still very small.
06:41And it's not seen as pessimism.
06:43It's seen as an opportunity.
06:45It means there's still a lot of room to grow.
06:48But for our people to own it,
06:52of course they have to know.
06:54What is Reksadana?
06:56Can I have it?
06:59Is it right for me?
07:02Those are the processes that we have to
07:05patiently and consistently deliver information
07:09about investment,
07:11starting from simple investment principles.
07:14Don't put eggs in one basket.
07:17That's in Reksadana.
07:19Because Reksadana has several underlying principles.
07:22Then, dollar cost averaging,
07:25investing routinely,
07:27that's also in Reksadana.
07:29With the program, for example,
07:31saving for the future,
07:33regular investment like that.
07:35Even the high-risk, high-return principle,
07:38it's actually been around for a long time.
07:40But, for example,
07:42you took a loan to buy an investment,
07:46but it turned out to be a stupid investment.
07:48That, I can recognize twice.
07:51Education is the key, in my opinion.
07:54For our people to know,
07:56to understand, and finally,
07:58they are comfortable to own an investment portfolio.
08:01Do you have your own method,
08:04for the team,
08:06how to provide education?
08:08Because I think we've realized,
08:10we really understand,
08:11that it's been a problem since the beginning.
08:13Actually, education is the most basic level.
08:16Why?
08:18What kind of method do you use?
08:20It turns out that this is the one that is capable.
08:23Yes.
08:24I see that
08:26we can't stop looking for ways to communicate.
08:32We have to be creative.
08:34Because our segments are also diverse.
08:37There are young people,
08:40there are even senior citizens.
08:43How to communicate one thing
08:47to different segments is different.
08:49So, for example,
08:51when we enter the campus,
08:54we make a public clash,
08:56the topic must be adjusted to them.
08:58Why do they have to start investing?
09:00Investments don't have to wait for money.
09:02Starting now,
09:04we always ask, when?
09:06What to buy?
09:07It becomes a question for friends,
09:09or young investors.
09:11But when we come to customers,
09:14or clients, or senior citizens,
09:17we talk about investments
09:19to prepare their pensions later.
09:22Those who beat inflation,
09:25those who are liquid,
09:27because they need their cash,
09:29or their cash investment,
09:31they can easily get it,
09:33or use it.
09:36So, for young families,
09:39maybe they have to think about school.
09:42Save from now.
09:44The school fee, the inflation is higher
09:46than the usual inflation.
09:49So they have to save more,
09:51or find the right investment or instrument.
09:55So, education actually has many angles.
10:00But what is certain,
10:02when we talk, we see
10:04who is the target audience that we are facing,
10:09so the material that we convey must be right.
10:12For example, when we have a women's forum,
10:16Women Empowerment, or whatever,
10:18we talk about sandwich generation,
10:21or women who are the backbone of the family,
10:26those are also breadwinners,
10:29those are the terms that we share.
10:31Or invest in yourself.
10:34For example, investment is sometimes,
10:38wow, stocks, bonds,
10:40sometimes they can invest in jewelry,
10:44but there is also value of money.
10:48Okay, something that is close to everyday life,
10:52that is common with them,
10:54that doesn't use high language,
10:56that makes the interest disappear.
11:01We will continue to discuss
11:03what is the career path of this woman,
11:07Usai Jeda Ibu, we will continue.
11:09And Pumir, don't leave your place,
11:11because Women's Talk will continue
11:13with Usai Jeda.
11:26Thank you Pumir for joining us again in Women's Talk,
11:29and we will continue to discuss with
11:31the main director of PTBRI, Investment Management,
11:34Mrs. Tina Melina.
11:37You joined PTBRI since December 2023,
11:43can you tell us about your journey?
11:46How come?
11:47At first you were a banker,
11:49what was it like?
11:51Yes, I left my career as a wealth manager,
11:57so I ran a wealth management business in PTBRI
12:01for almost 15 years,
12:03and before that I also ran a business
12:07related to Preferred Circle,
12:09also in the field of wealth management.
12:13Of course, in running that role,
12:16I had to provide various knowledge and certifications,
12:21from WMI, WAPER,
12:24Certified Financial Planner,
12:27Certified Wealth Manager, like that.
12:30That became a backup, maybe also a point,
12:34so when PTBRI had investment management,
12:40one of my tasks or my next task
12:45was to develop the business in this WMI.
12:49I joined investment management in December 2023,
12:54and I ran a role as an SCVP
13:00for Product and Alternative Investment.
13:02Of course, all of that supported me
13:05with more knowledge related to investment.
13:08Of course, this also became a question
13:12in the industry or in some friends,
13:15how do bankers go to investment management?
13:20As I said, all of that can be learned
13:23and all of that must have a background
13:26related to my career journey.
13:29I like that, what you said.
13:31All of that can be learned,
13:33it means that you have a great desire
13:35to try something new.
13:37Even though it's not really new,
13:39there's still a connection, but it's a bit different.
13:44Do you think this is an opportunity or a challenge?
13:48Of course, this is a challenge.
13:50It's a new challenge,
13:51because we are always expected to develop ourselves.
13:55When we become the top leaders in a field,
14:00in WMI for example,
14:02we will definitely be expected
14:06to be able to develop other businesses
14:09or give more value.
14:12When I joined BRI Investment Management,
14:17with a new role as CEO or CEO of a company,
14:23not just a business field,
14:25it became a challenge.
14:28It's a test for us to see our ability,
14:33in addition to knowledge,
14:35of course, also the ability to lead.
14:38So, leading the organization,
14:40of course, the shape of a company
14:43will definitely be very different
14:45from leading the organization,
14:47which is a division,
14:49where I'm still at the higher level.
14:54Now, being at the top of the leadership,
14:58with the main responsibility,
15:00of course, the hope must be secure.
15:02If it's secure, the work is expected,
15:05the result will be blessed.
15:07So, I always say,
15:08be safe, I hope it's secure and blessed.
15:11It should always be neat,
15:14must be secure.
15:15And affirmation for yourself too.
15:17Yes, so the work must be secure.
15:19So, what is given must be carried out with responsibility,
15:23supported with the knowledge it has,
15:26added with new abilities.
15:30Of course, one of them is leadership,
15:33communications,
15:34maybe suddenly you have to be a market expert,
15:39know about the industry,
15:41and open up new horizons.
15:43But that makes me very happy,
15:45because we will not be a static person.
15:48We will continue to grow and be asked to continue to learn.
15:51So, like a glass,
15:53if it's too full, it will overflow,
15:55we always empty it.
15:57How to empty it?
15:59Sharing the knowledge.
16:01Because when we share the knowledge,
16:04we empty half of our glass
16:07and fill it with new things.
16:09That's also a way...
16:11How do you share the knowledge?
16:17Many ways.
16:18Sometimes in a casual way,
16:19sometimes in a formal way,
16:20how to be a speaker.
16:22Because there is a certification of profession,
16:27so I am sometimes asked to be a speaker.
16:31For example, not only talk about investment,
16:34sometimes we have to talk in a holistic way,
16:37talk about managing wealth,
16:40planning money,
16:42sometimes the forum is for students,
16:44sometimes for housewives,
16:46sometimes for S2 teachers,
16:49who are definitely more advanced.
16:51Or also,
16:52enter a session
16:54when I have to be a teacher in a certification program.
16:58Even there, sometimes I teach,
17:00there are professors in it.
17:03Sometimes, between the one who teaches and the one who is taught,
17:05the one who teaches is more advanced,
17:07if the student is a professor.
17:09But it's interesting,
17:11when people usually say,
17:13if the glass is too full,
17:15you will be bad,
17:17overweight.
17:19It can be emptied again.
17:20The way is like we said, sharing.
17:23Okay.
17:24Then, if we talk about SDM,
17:26which is the main strength of BRI,
17:28investment management,
17:29do you agree?
17:30I totally agree.
17:31Because,
17:33in investment management,
17:35the main principle is
17:38managing the investment.
17:40Managing the investment
17:42that is deposited by the investor
17:45to choose the most appropriate instrument
17:49according to the profile of the investor
17:51and the risk profile
17:53that they are interested in.
17:55So, someone who is capable,
17:58who knows the market,
17:59who can read the trend of the market,
18:04who can choose the right instrument,
18:08the right composition,
18:11supported by research,
18:13all of those are the role of humanity,
18:16the role of talent.
18:17So, it has to be the best,
18:24the best people
18:26who can run the trust,
18:29manage the investment deposit.
18:31Because,
18:32maybe in a bank, it's different.
18:34In an investment manager,
18:37the deposit has to be bought by the investment portfolio.
18:42They have to know which emittance is good.
18:45Not only the emittance is good,
18:47but also the trend of the industry,
18:48how the emittance will affect the future,
18:51the future view.
18:52You're talking about money, right?
18:53Yes, talking about people.
18:56The trust to invest in Indonesia also has to be maintained.
19:00Because there are too many stories about stupid investments.
19:04So, the people,
19:05who used to be small in terms of GDP,
19:07are not really happy yet,
19:09but they are tired of it.
19:12Do you want to be a banker
19:14or an investment manager?
19:18Both have different challenges.
19:20But, everything has to be in a pleasant condition.
19:26Because there are different angles.
19:32In investment,
19:33we have to be very specific,
19:35very in-depth.
19:37So, we have to learn more thoroughly.
19:42Maybe,
19:43the specialist category.
19:46Here, we can be called a generalist,
19:48because we have to know about investment,
19:50insurance,
19:52and credit.
19:54There are so many kinds of knowledge.
19:57Here, it's specific.
19:59But, in investment,
20:00we have to know about equity, bonds,
20:04and emittance.
20:05We have to know the signs,
20:06and the direction.
20:08But, your ability is getting better, right?
20:11It has to be improved.
20:12And, that's the requirement
20:14so that we can follow the direction of industry and business.
20:20Okay.
20:21That's very inspiring.
20:23What else do you want to achieve personally?
20:30We'll talk about it later.
20:32We'll be back with the last segment.
20:34Stay with us on Women's Talk.
20:45WOMEN'S TALK
20:48We're back again.
20:50We'll continue our discussion with Mrs. Tina.
20:53Mrs. Tina, if you want to join
20:55BRI, Investment Management,
20:57is it difficult?
20:58Because, the SDM is very high.
21:02Like what you said,
21:03the responsibility is heavy.
21:05It's not difficult.
21:07Because, nowadays,
21:09it's more...
21:11It turns out, the new team members
21:13have already...
21:15They learn by themselves.
21:17Suddenly, they have a CFA.
21:21So, the enthusiasm of the current generation
21:23to have something higher,
21:27to increase the value,
21:29the personal value is already there.
21:31So, maybe it's not too difficult for us
21:34to accept and get the best talent.
21:37But, indeed,
21:39this industry is quite tough
21:41to get the talent.
21:43Because, the players are few.
21:45This industry needs the best talents.
21:49The players are few?
21:50Yes, because they have to have
21:52a certain certification.
21:54MI, for example.
21:56And to follow that,
21:57they need skills too.
22:00That makes us have to
22:03maintain and protect
22:05the best talents that we have.
22:07Ma'am,
22:09in your opinion,
22:11what do we need to improve
22:13so that the literacy,
22:15the investment,
22:17and the penetration
22:19will be better in the future?
22:21As you said, the SDM is actually
22:23quite minimal.
22:25Yes, if we look at it,
22:29it shows the interest of this industry.
22:31It shows the interest of investing.
22:35It also shows that
22:37investing is not that scary.
22:39In a more grounded way.
22:42In a way that
22:45we know who is our opponent.
22:48And who is the
22:51figure in the industry
22:53who keeps talking about
22:55the fund, for example, what is the fund?
22:57Why do we need to have a fund?
22:59We have to keep doing that.
23:02Because that is the key
23:04to how our society
23:06is informed
23:08and finally has
23:10and has the desire
23:12to develop
23:14its assets.
23:16Because I really
23:18regret
23:20if the Indonesian society
23:22doesn't get the chance
23:24to have
23:26an instrument
23:28that is already in front of their eyes.
23:30Just because they don't know,
23:32just because they don't believe,
23:34they don't get
23:36the benefit from
23:38the optimum of our funds
23:40when we invest.
23:42Sometimes, there is a desire,
23:44many people ask me,
23:46there is a desire, there is a fund,
23:48but they just don't know
23:50where to buy it.
23:52So, ma'am,
23:54if we talk a little
23:56about your life,
23:58what do you usually do
24:00in your free time?
24:02Because you must be busy, right?
24:04What do you do
24:06to relax?
24:08Do you have a hobby?
24:10For me,
24:12it's like this.
24:14Now, I have a hobby,
24:16I like to follow trends.
24:18So, the point is,
24:20I do something that can
24:22switch my mind.
24:24For example,
24:26I can focus on different things.
24:28For example,
24:30I like to have a simple game.
24:32A game that,
24:34for kids nowadays,
24:36it's boring,
24:38but there is a competition element.
24:40So, I focus on competing.
24:42A game on a gadget, ma'am?
24:44Yes, on a gadget,
24:46to divert my mind
24:48from routine.
24:50But I really have to
24:52be able to manage it,
24:54because it's just a media
24:56coaching for a moment.
24:58So, it's really different.
25:00It turns out that you also play games.
25:02Okay, for the last,
25:04what else do you want to achieve
25:06after this, in your career?
25:08Of course,
25:10in my career,
25:12I feel that
25:14as long as we can
25:16give
25:18all the benefits
25:20that we have received before,
25:22knowledge, experience,
25:24then,
25:26the good things about
25:28what we experience,
25:30I feel that
25:32there are always new things
25:34that we can do.
25:36I don't know my age,
25:38because new things can be learned
25:40at any stage of life.
25:42Okay, ma'am. Is there a coach
25:44that you really like?
25:46Who can be
25:48a guide for you?
25:50I used to be
25:52known as a very
25:54quiet person.
25:56Not too social.
25:58But in my job,
26:00sometimes,
26:02unconsciously, I apply
26:04a quote, which happens to be in my office.
26:06There's also a quote on the wall
26:08of my co-worker's wall, which is
26:10the point is,
26:12work in silence
26:14lets the success
26:16become the noise.
26:18So, we work
26:20in silence,
26:22but
26:24our success
26:26will become the noise.
26:28Right. You don't have to be too noisy.
26:30People will see
26:32what our work is like.
26:34The result will be seen
26:36to the world.
26:38And of course, it must be useful
26:40for everyone.
26:42Good luck to you,
26:44and also to you in the future.
26:46And also the team of PT BRI,
26:48thank you for sharing with us.
26:50See you again, ma'am.
26:52And that's all for Women's Talk this time.
26:54I hope it can be a reference,
26:56a source of information,
26:58an inspiration for your career,
27:00your life, and your business.
27:02I'm Prisita Sampodata from PT BRI.
27:04See you again. Bye-bye.
27:18www.ptbritain.com
27:48www.ptbritain.com