RM.idFree People – International Community Service Team (Community Service) University Trisakti holding financial education and counseling activities entitled “Migrant Money Guide: Choosing the Best Financial Products & Investment“, in Ho Chi Minh City, Vietnamese, Tuesday (18/8/2026). This activity aims to improve financial literacy Indonesian Migrant Workers (PMI) and the perpetrators MSMEs Indonesian culinary in Vietnam to be able to manage cross-border income wisely, safely, and with a long-term orientation.

The warmth of “Ayam Penyet Vindo” as a second home for Indonesian workers

This year’s International Community Service event took place in a unique and warm setting: at a renowned Indonesian culinary micro, small, and medium enterprise (MSME) in Ho Chi Minh City, “Ayam Penyet Vindo.” Owned by an Indonesian citizen who also has a career in Vietnam, the restaurant has become a hub for satisfying Indonesian flavors and a gathering place for the Indonesian migrant community.

Most of the restaurant’s employees are Indonesian citizens. One enthusiastic participant was Mas Gilang, a man from Lampung who has worked at “Ayam Penyet Vindo” for two years. Prior to working in Vietnam, Mas Gilang had experience working in several other countries.

In an interactive discussion, Mas Gilang shared his experiences while living abroad. Thanks to his discipline and hard work, he managed to accumulate savings from his salary while working in Vietnam. All of his savings are currently safely held in a local Vietnamese bank account and are regularly sent (remittances) to support his family back home.

Mas Gilang revealed that he aspires to have a stable, independent business when he returns to Indonesia. However, he admitted that he was previously confused about choosing a safe investment instrument that would generate passive income.passive income).

“This Community Service material has opened up new perspectives and knowledge for us. Until now, we didn’t know or imagine that there were property investment opportunities like the boarding house business, which are very reasonable and profitable. Many thanks to the University Trisakti team for this opportunity and very useful counseling materials,” said Mas Gilang, an Indonesian Migrant Worker in Ho Chi Minh City.

Similar testimonials were shared by other participants, who appreciated the presence of University Trisakti academics. They felt this education provided a concrete foundation so that the money earned abroad wouldn’t simply be wasted but would instead grow into a productive asset.

Cross-disciplinary Scientific Solutions Bringing Finance and Civil Engineering Together

The Head of the University Trisakti International Student Creativity Program (Community Service) Team, Ulfa Fatmasari Faisal, ST, MT, explained that this activity was specifically designed to address the real challenges faced by migrant workers. Based on national data, PMI contributed US$15.7 billion in remittances by 2024. However, many workers face risks such as currency fluctuations (Vietnamese Dong to Rupiah), a lack of understanding of official financial products, and limited knowledge of other investment instruments.

“This program brings a multidisciplinary approach, combining science Financial Literacy with Engineering Economy“We don’t just teach you how to save, but we also provide a measurable financial feasibility analysis,” said Ulfa Fatmasari Faisal.

A Step-by-Step Guide, From Licensing to Remote Monitoring

In their presentation, the Community Service team provided a structured guide for migrant workers interested in establishing a boarding house business in Indonesia. Participants were provided with an estimated 2025 construction budget plan (RAB), divided into Simple (Rp 27-36 million/room), Middle (Rp 36-54 million/room), and Premium (Rp 54-72 million/room).

In addition, participants also gained a deeper understanding of the legal aspects of land and buildings, such as verification of Freehold Certificates (SHM/SHGB), Building Construction Approvals (PBG), and Certificates of Functional Worthiness (SLF). To ensure the project runs safely from abroad, a remote monitoring strategy was also presented.remote supervision) And 90-Day Action Plan starting from budgeting, opening a bank account, collecting emergency funds, to executing property research.

Through this International Student Creativity Program (Community Service) activity, University Trisakti affirms its commitment to implementing the Tridharma of Higher Education with a global impact. Remittances sent by migrant workers are not merely routine transfers of funds, but rather a driving force for the family economy and a pillar of the nation’s future prosperity.

Source quoted from: https://rm.id/baca-berita/education/322602/berdayakan-pekerja-migran-di-vietnam-University-trisakti-gelar-Community Service-internasional-migrant-money-guide-di-ho-chi-minh