Balancing Finance, Faith, and the Future Skip to main content
Seasiders

Balancing Finance, Faith, and the Future

Timothy Samad in sunday's best, smiling for the camera
Photo by Monique Saenz

Timothy Samad, a senior from Indonesia majoring in business management with an emphasis in finance, shares his unique path to Brigham Young University–Hawaii, one marked by faith, academic ambition, and personal transformation, one that includes turning down top universities in Indonesia to becoming a CFA Research Challenge local champion, Samad’s story is one of purposeful living and giving the Lord an equal opportunity in all things.

Faith in Decisions

Timothy Samad smiling for a photo with hands in pockets
Photo by Eben-ezer Gonzales

“I knew about BYU–Hawaii when I was in high school,” Samad said. “Because of my outstanding academic achievements and participation in the basketball team, I received several offers from top universities in Indonesia.”

However, Samad’s heart was drawn elsewhere. “I was under the impression that BYU–Hawaii prioritized returned missionaries and required a good English score. I barely passed the English test and realized I needed to improve.” After much prayer and fasting, he made a pivotal decision: to serve a mission first, then apply to BYU–Hawaii.

Despite serving in the Indonesia Jakarta Mission during the COVID-19 pandemic, Samad found time to prepare. “I spent a lot of time studying Preach My Gospel, the scriptures, and listening to general conferences in English. Little did I know this would help me pass the English requirement for BYU–Hawaii.”

Four months after completing his mission, Samad was accepted and began his studies at BYU–Hawaii—a decision that would change the course of his life.

Timothy and his team during the 2023 Empower Your Dreams competition, winning 2nd place and holding the certificates
Photo by Monique Saenz

Realigning Priorities

Like many high-achieving students, Samad arrived on campus ready to hit the ground running. “At first, all I wanted to do was take as many leadership roles as possible, get internships, and join business competitions,” he explained. “While I excelled in those areas, I realized I also needed to focus on my GPA.”

This realization became a turning point. “BYU–Hawaii expects excellence from me,” Samad said. “So I began prioritizing my academics while still staying involved in school activities. My G.P.A. has increased drastically because I now focus on getting my priorities straight.”

Love and Leadership

The Samad family and the Dy family together with Timothy and Alexie during their wedding.
Photo by Tania Roda

Samad’s most life-changing experience at BYU–Hawaii, however, came outside the classroom. “Meeting Lexie, my eternal companion, was the best thing that happened to me here and in my life,” he said.

He recalled how daunting it felt at first to juggle school, work, church callings, and a relationship. “I took careful steps and counseled with the Lord many, many times. We fasted monthly, attended the temple weekly, and had healthy dates—like studying in the library, going to town, or doing family home evenings with friends.”

Though finances were tight, the couple moved forward in faith. “We lived off our IWORK paychecks, but after we got married, things changed. We had enough to support ourselves. My grades improved, we both worked at the temple, and we stayed active in church and school. Our marriage has shaped us to be better people.”

Learning By Doing

A passionate and driven finance student, Samad applies what he learns in the classroom through real-world opportunities. “Even though we’re not allowed to run businesses as students, I found other ways to apply what I learn—through internships and competitions.”

The BYUH CFA Research Team during the CFA Research Competition in California
Photo by Mary Stout

One of his biggest accomplishments was winning the CFA Research Challenge Local Finals. “We competed against both undergraduate and graduate schools in San Diego and Hawaii. Everything I used in the competition came from my finance classes.”

Beyond his major, Samad’s Holokai experience has been well-rounded and enriching. “My minors in political science and music have helped me understand people better and deepen a passion I’ve always had. Political science taught me about systems and behavior, while music strengthened my knowledge of theory.”

“An Equal Opportunity”

Timothy Samad holding the trophy and certificate during the CFA Research awarding.
Photo by Jared Stout

For Samad, academic and spiritual growth go hand in hand. “The Honor Code helps me stay professional, honest, and consistent,” he said. “It’s a guide to representing BYU–Hawaii and showing the world we can be trusted.”

He also credits a specific moment for deepening his discipleship. “When Elder Rasband came and spoke at devotional, he said, ‘Give the Lord equal time.’ That hit my heart. Even with all my schoolwork and activities, I need to make time for the Lord—attending sacrament meeting, reading scriptures, visiting the temple, and praying daily.”

"This principle of balance, he said, defines what it means to be a disciple at BYU–Hawaii. “It’s not easy. It takes time and effort, but like President Nelson said, ‘The Lord loves effort.’ I strive to give my best in everything I do.”

Deeper Understanding of the Lord

Timothy Samad in a bench sitting
Photo by Eben-ezer Gonzales

Timothy Samad’s future is filled with potential and purpose. He plans to use his education to contribute meaningfully to his home country and to whatever part of the world God leads him next. More than just business strategy and finance, he’s gained discipline, humility, and a testimony of divine guidance.

“I came here with a plan to succeed in school,” he said. “But what I found was so much more; a community, a calling, and a deeper understanding of who the Lord wants me to become.”