University Name: Universiti Malaya (UM)
Student Name: Najla Zharfanda Riyadi
Category: Financial Inclusion & SME Empowerment
Application Description: The Challenge: Many Malaysian university students, aged 18–25, face severe “end-of-month” financial distress, often compromising their nutrition and well-being due to a lack of budgeting tools. The Solution: Student Financial Navigator is a generative AI tool designed to provide a digital safety net. It empowers students to navigate financial constraints by transforming raw budget data into actionable survival plans. Key Features: AI Budget Analysis: Calculates daily spending limits based on remaining allowance and essential bills. Smart Resource Allocation: Recommends high-value, low-cost essential food tiers—Basic (RM11), Standard (RM19), or Premium (RM26)—to ensure food security. SME Support Tips: Educates users on supporting local campus micro-enterprises to foster a sustainable campus economy. Impact: This application promotes Financial Inclusion by providing vulnerable students with expert-level guidance, aiming for an 80% positive impact rate in reducing campus financial anxiety
PartyRock Application Link: https://partyrock.aws/u/NajlaZR/Cy6dRvaSu/Student-Financial-Navigator-for-Malaysia