Jakarta — Financial literacy among vocational students has become a growing concern in Indonesia, as a recent study by researchers from STIE Indonesia Banking School in collaboration with the Indonesia Stock Exchange (IDX) revealed that structured investment education significantly improves students’ understanding of legal investments and their willingness to invest. Conducted on April 20, 2026, the program recorded a sharp rise in legal investment literacy from 73.3 percent to 96 percent, while investment intention increased from 20 percent to 92 percent. The findings were published in the Jurnal Pengabdian Masyarakat Formosa in 2026.
The article, titled Collaborative Investment Education with the Indonesia Stock Exchange: Improving Financial Literacy among Vocational Students in Jakarta, was written by Ossi Ferli, Paulina Harun, Zhafirah Kirana Zahra, Erlinda Argiyanti, Muhammad Dwi Laksono, and Galuh Ratna Manggalih from STIE Indonesia Banking School. The study highlights the urgent need to introduce investment education at the school level to prepare young people for financial independence.
Indonesia still faces major challenges in financial literacy despite rapid growth in digital investment platforms. Many young people have easy access to investment applications, yet lack a clear understanding of financial instruments and legal investment channels. This gap increases their vulnerability to fraudulent investment schemes.
The program involved 25 twelfth-grade accounting students from SMK Pembangunan Jaya YAKAPI. Researchers used a pre-test and post-test method to evaluate changes in students’ financial knowledge. The educational seminar, delivered by an IDX representative, introduced students to stocks, mutual funds, bonds, and strategies to identify legitimate investment platforms.
The results were striking. Before the seminar, only 20 percent of students had ever invested, and only 13.3 percent had investment apps installed on their phones. After the seminar, 92 percent of participants expressed readiness to start investing in the capital market. This suggests that the main barrier was not interest, but lack of knowledge.
The study also revealed that 26.7 percent of students initially did not understand what legal investment meant. After the educational session, understanding increased to 96 percent. This confirms that direct financial education from official institutions like IDX can effectively improve financial awareness and decision-making.
One of the most notable findings was that all students already believed investment was not exclusive to wealthy individuals. This mindset creates a strong foundation for early financial education, as students are more likely to embrace investment once they understand it can begin with small amounts.
According to Ossi Ferli and the research team, sustainable collaboration between schools, universities, and official financial institutions is essential to build long-term financial literacy. Beyond reducing the risk of fraud, stronger financial knowledge can empower young people to develop assets and economic resilience from an early age.
The study’s implications extend beyond education into public policy. Integrating investment literacy into school curricula could become an effective national strategy to strengthen financial inclusion and increase the number of young investors in Indonesia.
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