UNAIR NEWS – The Social Fund Management Center (PUSPAS) of Universitas Airlangga (UNAIR), as part of the Kemilau Ramadhan series, held a financial literacy campaign themed Moving Up Since Young: Investment and Sharia Gold in the Bullion Bank Era. Held at Sriwijaya Room, ASEEC Tower, Dharmawangsa-B Campus, the event discussed the urgency of gold investment on March 5, 2026. The socialization featured Ahmad Nuruddin, Area Micro & Pawning Manager of BSI Surabaya Kota, as one of the main speakers.
With a commitment to educating the public, Nuruddin introduced gold as one of the best investment instruments that remains resilient against inflation. He encouraged students to start planning their future. This can be achieved by observing the historical trend of rising gold prices.
Turning coffee spending into assets
Nuruddin highlighted the consumptive habits of young people who are often less aware of their spending. According to him, students are generally aware of the high costs of further education, yet they still regularly buy trendy coffee drinks. These small expenses could become valuable assets if they are redirected to saving gold regularly. “Everyone has plans for the future, but many forget to prepare the funds. Imagine if the money spent on coffee were redirected to gold savings. It would be very beneficial,” Nuruddin said.
He also emphasized the importance of long-term planning for the Hajj pilgrimage, which currently has a waiting list of up to 35 years. Nuruddin showed that historical records of rising gold prices provide certainty in covering the cost of the pilgrimage. In 2020, the price of gold was still around Rp800,000, and it has now reached Rp3 million per gram.
Digital investment innovation
Addressing the issue of limited capital among students, Nuruddin introduced the e-mas feature through a digital application. Through this application, students can start investing in gold gradually with amounts starting from Rp50,000. “With that amount of money, students can already buy gold without having to collect millions of rupiah first,” Nuruddin explained.
The high public enthusiasm was evident in the sales of BSI’s gold installment program. “Yesterday we opened a quota for gold installments of 75 kilograms, and it was sold out in just two hours,” Nuruddin said. In addition to physical installments, customers can also open a sharia gold deposit to gain additional benefits. Gold deposits offer more attractive returns because they are based on balance and global price movements.
Closing his session, he delivered a message encouraging students to start investing soon. “Gold is a form of tangible asset that can be held, and historically its price has never been disadvantageous. Students may think about many things in pursuing their studies, but gold investment should start today,” Nuruddin concluded.
Author: Muhammad Yasir Dharmawan D.
Editor: Yulia Rohmawati
