In today’s world, earning an income alone is not enough to ensure long-term financial stability. Without proper financial planning, individuals can easily fall into cycles of debt, impulsive spending, and unpreparedness for unexpected expenses.
According to Prudential, personal finance includes managing income, expenses, savings, investments, and protection—allowing people to make wise financial decisions that help them achieve life goals.

For example, low financial literacy often becomes a major barrier preventing people from starting to invest or choosing the right financial instruments. A study from Jurnal Bisnis Lombok found that good financial literacy helps individuals manage debt wisely, save consistently, and make sound investment decisions—ultimately leading to long-term financial stability.
(Source: jurnal.bisnislombok.ac.id)

In Indonesia, the Financial Services Authority (OJK) and various financial institutions continue to promote financial literacy and inclusion so that more people can gain access to safe and suitable financial products that match their risk profiles.

With a strong foundation in personal finance management, investment becomes the next important step—helping individuals grow their assets, beat inflation, and achieve their financial goals.

Basic Investment Principles for Beginners

Before diving into Borwita’s public training theme, here are several key investment principles worth keeping in mind:

1. Fight inflation and preserve the value of money

Money that is only saved (not invested) will lose value over time due to inflation. Investment helps maintain or even grow that value.

2. Match investment instruments with your risk profile and time horizon

For beginners, relatively safe and accessible instruments—such as money market or fixed income mutual funds—can be a good starting point.
Understand the liquidity (how quickly your funds can be withdrawn if needed) and legality of your chosen products. Make sure they are supervised by OJK or other trusted institutions.

3. Consistency matters more than large sums

You don’t need a big salary to start investing. Small but consistent contributions can make a significant impact over time.

4. Diversify and manage risks

Never “put all your eggs in one basket.” Spread your investments across multiple instruments to minimize potential losses.

5. Define your financial goals first

Whether it’s for an emergency fund, children’s education, retirement, or buying a home—your goals will determine the right instruments, time frame, and investment strategy.

Borwita Public Training: Start Investing Now—A Beginner’s Guide to Building Assets

On Saturday, September 13, 2025, Borwita held a public training session titled “Start Investing Now: A Beginner’s Guide to Building Assets.”
The event was designed for beginners who wish to start their investment journey with strong foundational knowledge and a clear sense of direction.

The keynote speaker was Melvin Mumpuni, CEO & Founder of Finansialku, a well-known financial planner and educator in Indonesia. He shared practical and actionable insights, especially for employees taking their first steps into investing.

Key Topics Covered

1. Investment as a Tool to Beat Inflation and Achieve Financial Goals

Melvin emphasized that investing is not merely about chasing high returns—it’s about preserving purchasing power and preparing for future needs, such as buying a home or funding education.

2. Safe, Affordable, and Beginner-Friendly Investment Instruments

Participants were introduced to several options they could explore:

• Mutual funds (money market, fixed income)
• Corporate or government bonds
• Gold or other precious metal instruments
• Capital market instruments with moderate risk profiles

Melvin reminded everyone that “safe” doesn’t mean “risk-free.” The key is finding what suits one’s understanding and risk tolerance.

3. The Power of Consistent Investing

One of the most crucial takeaways: successful investing isn’t about how much you invest, but how regularly you do it.
Melvin encouraged participants to start now—no matter their salary level—and stay committed over time.

4. Practical Tips and Hands-On Insights

Participants also learned how to diversify their portfolios, identify ideal entry or exit times, and monitor their investment performance effectively.

Benefits for Borwita Employees

The webinar received positive feedback from Borwita employees. They gained valuable takeaways such as:

• A clearer, structured understanding of the investment world
• First-hand learning from an experienced financial practitioner
• The ability to recognize and avoid high-risk or misleading investment offers
• A long-term mindset: investing is not a “get-rich-quick” scheme but a deliberate, goal-driven process

Starting early allows employees to build productive assets and strengthen their financial stability for the future. However, without proper understanding, the risks can easily outweigh the rewards.

Borwita’s event, “Start Investing Now: A Beginner’s Guide to Building Assets,” featuring Melvin Mumpuni, marks an important step toward improving employees’ financial literacy—empowering them to make wiser, more sustainable financial decisions.

In today’s ever-evolving business landscape, companies need more than just technically skilled employees, they need leaders who can inspire, guide, and drive their teams toward greater results.
According to the Center for Creative Leadership, coaching-based leadership has been proven to enhance both individual and team performance by focusing on empowerment, constructive feedback, and the development of potential. (ccl.org)

For Borwita Citra Prima, a leading Distributor FMCG Indonesia with nationwide operations, leadership development is one of the key pillars to ensure the company’s sustainability and long-term growth.What Is the STAR 2.0 Program?

STAR (Shaping Talent for Achieving Result) 2.0 is Borwita’s internal acceleration program designed to equip the company’s top talents with essential leadership, managerial, and growth mindsets to achieve impactful results.

As the second generation of the original STAR program, which successfully developed many of Borwita’s outstanding leaders, STAR 2.0 comes with an even stronger approach through a combination of offline and online training, coaching, and experiential learning.

This Year’s Highlight: Coaching Style Leadership Training

One of the main highlights of this year’s STAR 2.0 program is the offline training themed “Coaching Style Leadership.”

The training aims to:

• Equip participants with coaching skills to guide their teams effectively.
• Build an empowering leadership approach rather than a directive one.
• Teach how to give meaningful feedback, practice active listening, and foster trust within the team.

Through this method, participants are expected not only to understand leadership concepts in theory but also to immediately apply a coaching-based leadership style that encourages team growth and collaboration.

Borwita’s Aspirations through STAR 2.0

Through the STAR 2.0 program, Borwita hopes its internal talents can:
✅ Develop their potential to become Borwita’s future leaders.
✅ Apply coaching-based leadership within their STAR journey.
✅ Serve as role models who uphold Borwita’s core work culture: integrity, collaboration, and result orientation.

Aligned with the company’s vision to become a world-class distributor, Borwita believes that the greatest investment lies in developing talents from within.

A Journey to Shape the Future Leaders of Borwita

STAR 2.0 is more than just a leadership acceleration program, it’s a journey to shape Borwita’s future leaders.
Through this initiative, Borwita reaffirms its commitment to nurturing leaders who are ready to face the challenges of the FMCG distribution industry and lead the company toward sustainable success.

In today’s workplace, the look and feel of a presentation or design often determines whether our message is delivered effectively or not. A study from Harvard Business Review found that strong visuals can increase audience understanding by up to 89% compared to plain text. This shows that design is not only about aesthetics, but also about communication effectiveness.

Additionally, according to research by the Social Science Research Network, around 65% of people are visual learners they absorb information more easily through images or visuals rather than long blocks of text. Clearly, a “good-looking” presentation helps messages become easier to understand, remember, and impactful.

The challenge is that not everyone has a design background. Professional design software can feel complex and requires long hours of learning. This is where online design platforms step in offering a faster, easier, and more practical way to create.

One of the most popular platforms is Canva. With its simple interface and drag-and-drop features, Canva allows anyone even beginners to create everything from posters and social media content to professional business presentations. According to Shopify, Canva is now used by more than 200 million people across 190 countries. Its popularity comes from ease of use, thousands of ready-to-use templates, and team collaboration features that make work more efficient.

What’s more, TIME reports that Canva continues to innovate with AI-powered features such as Magic Studio, which makes the design process faster and more creative.

Borwita Public Training: Basic Canva

Recognizing this trend, Borwita took the initiative to hold a Public Training on Basic Canva last August. The training was conducted online and attended by many employees from various Borwita branches.

The training covered essential Canva skills, including:

• Creating a blank canvas
• Adding design elements
• Modifying text
• Exporting finished work
• Sharing designs with colleagues

Beyond theory, participants were also given practical assignments: creating a simple design and sharing it on their personal social media. This way, employees could immediately apply what they learned while also showcasing their creativity.

Canva stands as an accessible, fast, and inclusive design solution. From creative individuals to large companies, anyone can produce professional-quality designs without having to be a professional designer.

Through this Canva training, Borwita aims to empower employees to become more creative, productive, and confident in creating visual content—both for work and personal development. Because at Borwita, investing in employee skills is seen as a key foundation to growing together.

Every year, the month of August is a highly anticipated moment for the people of Indonesia. The celebration of Indonesia’s Independence Day is not only about remembering the struggles of national heroes, but also about fostering unity and togetherness across all levels of society. One of the most iconic traditions is the 17th of August competitions (Lomba Agustusan), which consistently spark enthusiasm whether in neighborhoods, communities, or even the workplace.

Indonesia’s Independence Day, commemorated annually on August 17, is a symbol of the nation’s long struggle for freedom. The Ministry of Education, Culture, Research, and Technology (Kemendikbudristek) emphasizes that Independence Day celebrations are not only historical in nature, but also serve as a reminder to strengthen patriotism, unity, and the spirit of mutual cooperation (gotong royong).

According to the State Secretariat of the Republic of Indonesia, the annual Independence Day theme is carefully designed to remind citizens of the importance of solidarity and collaboration in facing modern challenges.

In communities across Indonesia, Independence Day is marked by festive competitions. Children, teenagers, and adults alike participate enthusiastically in various games, each event reflecting values of teamwork, sportsmanship, and unity the true identity of the Indonesian people.

As explained by the Ministry of Communication and Information Technology (Kominfo), these simple competitions play an effective role in building social bonds, while also serving as a reminder of the nation’s enduring spirit of resilience.

Interestingly, the same spirit of Independence is also reflected in professional environments. Many companies embrace the Independence Day celebration as a way to build stronger employee engagement. Beyond competitions, the occasion is used to foster collaboration, creativity, and solidarity among employees.

Strong employee engagement has been proven to increase both productivity and overall workplace happiness, as highlighted in Gallup’s global research. The research emphasizes the importance of employees having an emotional connection with their organization.

Borwita’s Commitment to Unity and Growth

As one of the leading FMCG distributors in Indonesia, Borwita Citra Prima embraces Independence Day as a valuable opportunity to strengthen its culture of collaboration. Through the Semarak Kemerdekaan celebration, Borwita invited employees across the company to participate in activities that were not only enjoyable but also deeply meaningful.

This celebration stands as tangible proof that the values of unity and perseverance live on not only in broader society, but also within Borwita’s company culture.

Independence is not solely about remembering the past it is about how we bring the values of unity, collaboration, and resilience to life in the present. Through various celebrations, whether in communities or within workplaces, the spirit of independence continues to be passed down from one generation to the next.

At Borwita, this spirit is alive and well, inspiring employees to continue striving, collaborating, and giving their very best contributions for the nation.

Adolescence is often referred to as a period of “identity exploration.” During this stage, teenagers experience significant changes physically, emotionally, and cognitively. These transitions often create dynamics in the parent-child relationship. Parents want the best for their children, while teenagers want to be understood—two intentions that can sometimes clash.

According to the World Health Organization (WHO), adolescence is the most vulnerable period for family conflicts, as teenagers are in the process of building their identity and independence. Meanwhile, UNICEF Parenting Hub UNICEF Parenting Hub highlights that adolescents who feel heard and understood by their parents are more likely to be mentally healthy and make better decisions.

Both findings emphasize one clear message: effective communication between parents and teenagers is not optional it is essential.

Why Conflicts Often Escalate at Home

Many family conflicts do not stem from major issues but from ineffective communication. For example, when a teenager comes home late without notice, parents might immediately react harshly: “Why are you coming home at this hour?!” From the parent’s perspective, this is an expression of care. But from the teenager’s side, it can feel like an attack or accusation.

This mismatch complicates the relationship. Teenagers feel distrusted, while parents feel unappreciated. In reality, both want the same thing safety and trust. The barrier is not intention, but the way the message is delivered.

A study published in the Journal of Family Communication found that teenagers who often receive reactive responses from parents (anger, blame, or judgment) are more likely to experience stress and withdraw emotionally. On the other hand, teenagers who receive communicative responses (listening, inviting dialogue, discussing) are more likely to build emotional closeness with their parents.

From Reactive to Communicative: A Shift That Matters

Family psychologists emphasize that one of the most effective ways to reduce conflict is by pausing before reacting. While it sounds simple, this brief pause allows parents to choose: unleash emotions, or take a breath and listen first.

Some practical steps include:

• Pause before reacting
  When tempted to scold or get angry, take a short pause. Breathe deeply, calm yourself, and choose words that build understanding.
  
• Practice active listening
  Allow your teenager to express their feelings. Show genuine attention through body language eye contact, nodding, or simple affirmations like “I hear you.”
  
• Use positive language
  Replace blaming statements with constructive ones. Instead of saying “You’re always lazy!”, try “Let’s find a way to help you stay motivated.”
  
• Involve teenagers in finding solutions
  Discuss consequences together. When teenagers take part in decision-making, they feel more responsible and respected.

By shifting from reactive to communicative, the home becomes a safe space for sharing, rather than a battlefield whenever issues arise.

Borwita’s Parenting Series: Empowering Employees as Parents

Recognizing the importance of this topic, Borwita Citra Prima, a trusted FMCG distributor in Indonesia, organized the Public Training Parenting Series titled “Understanding, Not Scolding: Keys to Effective Communication Between Parents and Teenagers.”

The training was attended by hundreds of Borwita employees and explored:

• How to understand family conflicts and their root causes.
  
• Transforming communication styles from reactive to communicative.
  
• Practical strategies to build harmony at home.
  

For employees, this session became both a moment of reflection and a source of practical guidance for navigating the challenges of parenting teenagers.

At Borwita, the belief is simple: happy employees at home are more empowered at work. That is why Borwita’s care goes beyond professional development, it extends into personal and family well-being.

As a leading FMCG distributor with nationwide reach, professional services, and a modern distribution network, Borwita understands that building a sustainable business also means supporting the people behind it. Programs like the Parenting Series are a concrete reflection of Borwita’s commitment to empowering employees not only as professionals but also as parents, partners, and family members.

In today’s fast-paced work environment, maintaining personal health is often overlooked. Yet a healthy lifestyle, a clean workspace, and effective stress management are three critical pillars that go hand in hand. These elements not only support immunity and physical endurance, but also directly impact the respiratory system, a vital function for employees striving to stay focused, productive, and energized throughout the day.

A healthy respiratory system ensures that the body receives oxygen efficiently, which plays a crucial role in brain function, emotional stability, and immune strength. Conversely, a dusty workplace, poor ventilation, and prolonged stress can trigger respiratory issues such as chronic coughing, shortness of breath, and reduced concentration levels.

Recognizing the importance of this topic, Borwita, a leading FMCG distributor in Indonesia with a strong commitment to employee well-being, organized an educational session titled:

#HealthTalk: Breathe Well, Work Well

Lifestyle and Nutrition Strategies for Productive Employees

On Thursday, July 24, 2025, Borwita held a special HealthTalk webinar discussing the relationship between respiratory health, lifestyle choices, diet, and workplace productivity. The 90-minute session was attended by hundreds of Borwita employees from branches across Indonesia, who actively engaged in the discussion.

The webinar featured Dr. Magdalena, SpP, a pulmonary specialist, who shared in-depth insights on:

• How to maintain healthy lungs in a modern work environment
  
• The impact of stress on respiratory function
  
• The role of nutrition in boosting immunity and lung health
  
• Practical breathing tips for employees working in enclosed office spaces
  

The session was highly interactive, featuring live Q&A and quick quizzes to keep participants engaged throughout.

This event was made possible through collaboration between Borwita, Allianz Insurance, and Mayapada Hospital Tangerang, demonstrating Borwita’s tangible commitment to building a healthy, productive, and sustainable work culture.

Investing in Employee Health for Sustainable Growth

This initiative is part of Borwita’s broader efforts to promote a work environment that supports both physical and mental health. For Borwita, employee well-being is not just an optional program it is a long-term investment that supports operational excellence as a resilient, adaptive, and continuously growing Distributor in Indonesia.

In today’s fast-paced and competitive business landscape, maintaining alignment between business strategy and company vision is crucial for long-term growth. For a company like Borwita, a leading FMCG distributor in Indonesia, success is not only measured by quarterly targets, but also by how well every part of the organization moves in harmony toward one clear direction: becoming the preferred distributor in the country.

To ensure that the company remains on track, Borwita employs various initiatives ranging from strengthening internal communication, regular training, to structured business evaluations such as the Mid Year Review (MYR). This event serves as a shared space to reflect on the first half of the year and outline strategic steps for the second semester.

Mid Year Review 2025: Evaluation, Collaboration, and Action

On July 21, 2025, Borwita conducted its Mid Year Review (MYR) 2025, held entirely online and attended by management teams across branches, departments, and regions. The virtual format allowed for high mobility and time efficiency while maintaining the spirit of collaboration and strategic reflection.

This year’s MYR focused on:

• Reflecting on first-half performance, including KPI evaluations, branch highlights, and operational challenges.
• Strategic updates across key functions such as Sales, Logistics, HR, and IT, outlining work priorities and development directions for the next semester.
• An interactive team-building session using the Goosechase platform, where participants tackled various virtual challenges collaboratively despite being in different locations.

SPARK: Action Drives Growth

Carrying the spirit of SPARK: Action Drives Growth, Borwita emphasized that every concrete step taken today will shape the organization’s future success. The MYR forum reminded all participants that growth is never a coincidence it stems from strategy, teamwork, and the courage to take action.

This event reflects Borwita’s ongoing commitment to evolve as an adaptive, innovative, and execution-driven FMCG distributor in Indonesia.

In today’s modern workplace, Generation Z often faces stigma and challenges that aren’t always easy to navigate. Often labeled as too idealistic, inexperienced, or overly sensitive, these stereotypes can overshadow the real potential Gen Z brings into the professional world. However, behind those labels lies great promise, especially when paired with the right communication approach.

Recognizing the importance of this, Borwita hosted an inspiring webinar as part of its Public Training Communication Series, titled: “Dear Gen Z: Here’s How You Win Respect Across Generations.” The session featured Dr. (cand) Tri Novia, S.Kep., Ners., MM., M.I.Kom., a trainer and mentor in public speaking and pitching innovation.

Gen Z has grown up in a fast-paced, ever-evolving digital age. But once they enter the workplace, they often encounter systems and expectations shaped by older generations like Gen X and Baby Boomers, who bring contrasting mindsets and work values.

This webinar explored in depth:

How Gen X, Millennials, and Boomers Perceive Gen Z

Each generation contributes different values and perspectives to the workplace. The webinar examined how the earlier generations Gen X, Millennials, and Boomers often view Gen Z:

• Gen X tends to see Gen Z as “too fast, too soon”: eager to rise quickly, but lacking a sense of loyalty or appreciation for process.
  
• Millennials, though closer in age, may view Gen Z as less resilient or too blunt when voicing opinions, especially toward senior colleagues.
  
• Boomers, with a more traditional work style, may feel that Gen Z lacks respect for hierarchy, relies too heavily on technology, or lacks patience in building a career.

That said, the older generations also recognize Gen Z’s strengths such as quick learning, digital fluency, and fresh critical thinking as long as they are communicated appropriately.

Work Attitudes That Help Gen Z Earn Trust and Respect

The discussion highlighted key traits Gen Z can demonstrate to gain credibility:

• Commitment and consistency: Great ideas are only valuable if they’re followed through. Seeing tasks through to completion builds trust.
  
• Cross-generational empathy: Understand that different generations have different priorities and communication styles. Adapting doesn’t mean losing yourself.
  
• Diligence and eagerness to learn: Being teachable is just as important as being quick. Openness to feedback is highly valued.
  
• Personal responsibility: Owning up to mistakes and being accountable without deflecting blame shows maturity respected across generations.
  

Building a Professional Reputation Without Losing Your Authenticity

One of the biggest challenges Gen Z faces is how to stay authentic while still appearing professional. The webinar offered practical tips:

• Know your personal brand: Understand your values, strengths, and uniqueness and show them consistently through communication and work behavior.
  
• Leverage technology as a strength: Use your digital fluency to empower the team not to come off as “a know-it-all.”
  
• Speak up with elegance: It’s not about silencing your voice it’s about delivering your ideas in a way that uplifts rather than attacks.
  
• Avoid rushing validation build long-term value: A good reputation isn’t made from one great presentation, but from many consistent, thoughtful actions.
  

With a relevant and communicative approach, the webinar equipped participants with tools to adapt to a multigenerational workplace while staying true to themselves.As a leading FMCG distributor in Indonesia, Borwita believes that the best investment is in talent development. Through initiatives like this, the company is committed to supporting the younger generation to face the professional world with confidence and strong communication skills.