KOMPASIANA – Every August 20^th, Indonesia celebrates a special occasion: Indonesian Savings Day. On this occasion, PT Bank Neo Commerce Tbk (BNC) encourages us all to start (or even become more diligent) in saving. According to President Director of BNC, Eri Budiono, saving isn’t just about saving leftover money, but also about practicing discipline, preparing for the future, and having a “backstop” in case of emergencies.

The problem is that Indonesians’ savings habit is still relatively low. According to 2024 GoodStats data, only 30.1% of people have savings, with the rest saving nothing at all. In fact, a recent Bank Indonesia (BI) survey showed that the portion of income saved fell to 14.1% in June 2025, from 14.9%.

So, to make it easier to start saving, BNC has 5 simple tips you can try right away:

1. Define a savings goal – for example, a vacation, a new gadget, or an emergency fund. A clear goal means more enthusiasm for saving.

2. Set aside money at the beginning, not what’s left over – when you get paid, immediately set aside money for savings, then spend on other necessities.

3. Use a separate account – so you don’t use it for snacks, separate your savings account from your daily account.

4. Leverage technology – activate auto-transfer in the app to make saving happen automatically.

5. Cut unnecessary expenses – try checking your monthly expenses. There’s definitely something you can cut and transfer to savings.

To further boost the enthusiasm, BNC also offers a variety of savings products: from savings accounts with attractive interest rates, term savings accounts with flexible terms, to deposits that can be started with a very small balance and a term of just 7 days. So, your savings can be tailored to your needs.

In addition to products, BNC also diligently provides education through its website social media, neobank app. The content ranges from saving tips and investment methods to tips for maintaining the security of digital transactions. All of this aligns with the Financial Services Authority/OJK’s “GENCARKAN” (Gerakan Nasional Cerdas Keuangan/National Financial Intelligence Movement) campaign, which aims to increase financial literacy in Indonesians.

The point is, saving isn’t just for today, but for your future. So. Let's start now. It doesn’t have to be big, just consistent!

Article’s source: https://www.kompasiana.com/bayuosborne9273/68a418fbed64150b65348b02/hari-indonesia-menabung-bersama-bnc-saatnya-uang-kamu-kerja-buat-masa-depan?page=2&page_images=1