Tag Archives: Indonesia

4 Causes of Financial Disruption

The more days the level the higher the lifestyle needs, and become more consumerist society. As a result, the funds needed to meet the needs and desires become increasingly high. If you can not separate the needs with the desire, I wonder if you are spending so much greater than income.

“Society today is difficult to separate where the needs and desires. Example, when the money barely lot more men choose to buy cigarettes instead of buying food. Mending ngerokok not eat than not,” said Hilda Fachriza, Head of SME Center and a lecturer at the Faculty of Economics University of Indonesia, while Discussion Media “Create Opportunity, Empower Societies, and the Collapse Gap” in Jakarta, some time ago.

While women are usually difficult to resist the urge to shop when looking at various fashion products or make-up date, especially if it is heavily discounted. And if you look closely, all of this is only intended to follow his lifestyle.

Besides the issue of consumerism is high enough, Hilda also revealed there are some financial problems experienced by the community, especially in big cities, namely:

1. Not have planning
Every person has different needs. Therefore, every person should need a good financial planning. Unfortunately, most people just do not do it. They tend to think short to get momentary pleasure, and regrets later because their pay is up to purchase items that were not needed.

2. Difficult to save
“Actually, everyone is aware that they have to set aside money for savings. Unfortunately, it is still very hard to do,” he added.

This happens because when they had more money, would immediately be tempted to spend it. Hilda added, the problem is not just saving money difficulties experienced by the big cities, but also small towns, especially the residents of livelihood as a small business owner.

“The owners of SMEs are usually complain of income are also small so it does not have money to save. They still had a thought that it should be saving large amounts of money while the rest of them a little,” he said (Read: Saving Difficult? Maybe this reason).

3. Financial education
Consumerism and poor financial planning is one of a lack of financial education in the community. The financial education when it should have been taught from an early age. The goal is not to make you rich, but rather how to manage finances for a prosperous and fulfilling life.

4. Did not have a vision for the future
Each person must have a lot of plans for his future, whether married, walks out of the country, building a business, buy a house, or maybe invest. To do all this required no small cost. So, it’s good to start saving and make your dreams come true.

“When they do not have dreams and visions in the future want to do anything, to be sure they do not also think about their future financial needs,” he concluded.

4 Causes of Financial Disruption

The more days the level the higher the lifestyle needs, and become more consumerist society. As a result, the funds needed to meet the needs and desires become increasingly high. If you can not separate the needs with the desire, I wonder if you are spending so much greater than income.

“Society today is difficult to separate where the needs and desires. Example, when the money barely lot more men choose to buy cigarettes instead of buying food. Mending ngerokok not eat than not,” said Hilda Fachriza, Head of SME Center and a lecturer at the Faculty of Economics University of Indonesia, while Discussion Media “Create Opportunity, Empower Societies, and the Collapse Gap” in Jakarta, some time ago.

While women are usually difficult to resist the urge to shop when looking at various fashion products or make-up date, especially if it is heavily discounted. And if you look closely, all of this is only intended to follow his lifestyle.

Besides the issue of consumerism is high enough, Hilda also revealed there are some financial problems experienced by the community, especially in big cities, namely:

1. Not have planning
Every person has different needs. Therefore, every person should need a good financial planning. Unfortunately, most people just do not do it. They tend to think short to get momentary pleasure, and regrets later because their pay is up to purchase items that were not needed.

2. Difficult to save
“Actually, everyone is aware that they have to set aside money for savings. Unfortunately, it is still very hard to do,” he added.

This happens because when they had more money, would immediately be tempted to spend it. Hilda added, the problem is not just saving money difficulties experienced by the big cities, but also small towns, especially the residents of livelihood as a small business owner.

“The owners of SMEs are usually complain of income are also small so it does not have money to save. They still had a thought that it should be saving large amounts of money while the rest of them a little,” he said (Read: Saving Difficult? Maybe this reason).

3. Financial education
Consumerism and poor financial planning is one of a lack of financial education in the community. The financial education when it should have been taught from an early age. The goal is not to make you rich, but rather how to manage finances for a prosperous and fulfilling life.

4. Did not have a vision for the future
Each person must have a lot of plans for his future, whether married, walks out of the country, building a business, buy a house, or maybe invest. To do all this required no small cost. So, it’s good to start saving and make your dreams come true.

“When they do not have dreams and visions in the future want to do anything, to be sure they do not also think about their future financial needs,” he concluded.

Sri Mulyani Back in Most Influential Women in the World

Forbes magazine released the list of 100 most powerful women in the world. From that list, the name of former Finance Minister Sri Mulyani Indrawati entered in 55th position.

Sri Mulyani, who currently serves as Managing Director of the World Bank considered able to keep the economy when the global crisis hit Indonesia in 2008. “The economy of developing countries (including Indonesia) are not affected by the global economic turmoil when developed countries suffered economic crisis,” writes Forbes.

Forbes also said that the World Bank is quite active in monitoring various projects spanning Asia, Africa, Europe, Latin America, and the Middle East. After the incident in Bangladesh building collapse yangmenewaskan more than 1,000 people, the institute also pressing the government to revise the labor code.

Sri Mulyani position one level below the President of China Xi Jinping’s wife, Peng Liyuan, and the position has improved from a year earlier in the 72 position. Meanwhile, the first position of the most influential women in the world are occupied by German Chancellor Angela Merkel. Merkel harsh measures to save the budget in order to ease the economic crisis in Europe get so many challenges from various countries, one of which is from French President Francois Hollande.

Indonesia Tetap Menarik bagi Pemodal Asing

Although the Indonesian economy slowed rate, Indonesia is still so sought foreign investment. Surging middle class, from the previous 37.6 percent to 56.5 percent, the main attraction for investors.

“If we see, despite declining investment, Indonesia is still attractive because of the demographic bonus and potential economic growth,” said chief economist at Bank Mandiri.

Indonesia was ranked as the third most attractive investment country in Asia. Meanwhile, the United Nations Conference On Trade and Development (UNCTAD) is also releasing the potential of Indonesia as an investment destination to be in the top four at the bottom of India, China, and the United States.

Factors causing the above is the reason foreign direct investment (foreign direct investment). This interest also led to the inclusion of capital inflow to Indonesia so that the total bond issuance reached Rp 30 trillion in the first quarter of 2013, close to last year’s performance bond amounting to Rp 45 trillion.

However, the government should also be aware of the amount of foreign investment in order to make room for the growth of domestic investors. In addition, the government should also increase manufacturing.

“Manufacturing should be increased and the investment must provide benefits for employment.’s That we should be aware that not too many foreign investors to Indonesia,” he said.

4 Causes of Financial Disruption

The more days the level the higher the lifestyle needs, and become more consumerist society. As a result, the funds needed to meet the needs and desires become increasingly high. If you can not separate the needs with the desire, I wonder if you are spending so much greater than income.

“Society today is difficult to separate where the needs and desires. Example, when the money barely lot more men choose to buy cigarettes instead of buying food. Mending ngerokok not eat than not,” said Hilda Fachriza, Head of SME Center and a lecturer at the Faculty of Economics University of Indonesia, while Discussion Media “Create Opportunity, Empower Societies, and the Collapse Gap” in Jakarta, some time ago.

While women are usually difficult to resist the urge to shop when looking at various fashion products or make-up date, especially if it is heavily discounted. And if you look closely, all of this is only intended to follow his lifestyle.

Besides the issue of consumerism is high enough, Hilda also revealed there are some financial problems experienced by the community, especially in big cities, namely:

1. Not have planning
Every person has different needs. Therefore, every person should need a good financial planning. Unfortunately, most people just do not do it. They tend to think short to get momentary pleasure, and regrets later because their pay is up to purchase items that were not needed.

2. Difficult to save
“Actually, everyone is aware that they have to set aside money for savings. Unfortunately, it is still very hard to do,” he added.

This happens because when they had more money, would immediately be tempted to spend it. Hilda added, the problem is not just saving money difficulties experienced by the big cities, but also small towns, especially the residents of livelihood as a small business owner.

“The owners of SMEs are usually complain of income are also small so it does not have money to save. They still had a thought that it should be saving large amounts of money while the rest of them a little,” he said (Read: Saving Difficult? Maybe this reason).

3. Financial education
Consumerism and poor financial planning is one of a lack of financial education in the community. The financial education when it should have been taught from an early age. The goal is not to make you rich, but rather how to manage finances for a prosperous and fulfilling life.

4. Did not have a vision for the future
Each person must have a lot of plans for his future, whether married, walks out of the country, building a business, buy a house, or maybe invest. To do all this required no small cost. So, it’s good to start saving and make your dreams come true.

“When they do not have dreams and visions in the future want to do anything, to be sure they do not also think about their future financial needs,” he concluded.

Gold jewelry is not for Investment

Basically everyone needs to invest, including working women and housewives. Although not a housewife finance major producer, but that does not mean you can not have investment. By investing, women would have better preparedness than not investing at all.

Endy Junaedy Kurniawan, author and investment expert explains gold, most housewives have a high interest in buying gold jewelry as a way to invest them. Consideration, if for example no savings Rp 500,000 and silenced several years, the money will undoubtedly be cut out because of the cost of administration. Unlike the case if the money you buy gold. Several years later when the gold is sold, they will earn cash worth more than Rp 500,000. Therefore, the current gold price is much cheaper than bought as sold.

But Endy judge, that shaped gold jewelry can not be said to be an investment, because gold jewelry is created as the need manufacturing services with costs charged to the purchaser of the jewelry.

When the gold jewelry sold by the owner, the price of gold will be cut back, because the owners of the gold also charged melt gold by gold shop owners are concerned. Moreover, models of jewelry may no longer be a trend when you sell the jewelry.

It can be used as a reason for gold shop owners to lower the selling price of gold jewelry. Therefore Endy suggested, if it intends to invest, you should buy gold jewelry taste, just to wear.

In contrast, the right to invest in gold is gold precious metals (LM) with the form of bars and plates. While, gold coin, known as the dinar also be the right choice to invest.

The smaller the value the form LM expensive. For example, if the value of 1 gram LM is Rp 550,000, and you buy a LM with a slab of 10 grams, could be the value to Rp 540,000. Endy suggest better if you want to invest with LM, buy a size 5, 10, or 25 grams, because the price is quite economical and easy to resell.

While the dinar has the form of a coin 1 coin weighing 4.25 grams. Neither LM nor dinar coins that circulated in Indonesia has a stamp and stamp PT Antam Tbk, as manufacturers of both types of gold.

Bond ratings, Philippines Defeat Indonesia

Ratings agency Standard & Poor’s gave investment grade ratings to the Philippines. The Philippine government has been able to increase the assessed financial performance and spur economic growth in the country.

As quoted by Bloomberg, long-term debt rating one notch from the Philippines increased from BB + to BBB-with a stable outlook. While the outlook for Indonesia would be revised from positive to stable BB +.

Philippine Finance Secretary Cesar Purisima said, giving investment grade ratings from S & P to the Philippines is based on the domestic economic outlook. Philippine economy grows due to increase government spending and able to narrow the budget deficit.

On the other hand, local governments can combat corruption quickly. Philippine President Benigno Aquino was considered successful in improving outlook for the domestic economy and succeeded in defeating Indonesia’s debt rating. “We continue to overcome barriers to growth. We continue to build infrastructure and opening up to foreign investors,” said Cesar.

While in Indonesia, the rating agency S & P cut subsidies judge delays fuel oil (BBM), causing the country’s financial deficit swell and reduce the budget for infrastructure.

“For the Philippines, the results of the economic reforms of President Aquino not yet produced results that help improve not only the flow of short-term but also long-term investment,” says economist at Credit Suisse Group AG Santitarn Sathirathai.

The top news, Philippine Stock Exchange rose 1.9 percent to a new record 7230.4. While Composite Stock Price Index (CSPI) in yesterday’s trading, it fell 1.3 percent.

In the last three days, Peso rose 0.2 percent to 40.965 per U.S. dollar. In the past year, the value of an exchange rate with the highest increase after 11 Thai baht and other Asian currencies.

S & P saw an increase in the Philippines rank reflects external reinforcement, moderate inflation and a decline in the government’s dependence on foreign currencies.

In the S & P ratings, Indonesia is stalling economic reforms especially in the country, thus downgraded the debt securities in the year ahead.

Indonesian Consumer Confidence Highest in the World

Indonesia’s consumer confidence index recorded the highest in the world in the first quarter of 2013.

This is the latest result of the Global Consumer Confidence Index survey by Nielsen, a global provider of information and insights on what consumers buy and watch, to 29 thousand online consumers in 58 countries around the world.

Indonesia’s consumer confidence index reached 122 points, the highest index reached Indonesia in the last five years. This index also rose 5 points from the previous quarter.

Catherine said, Indonesian online consumers showed a very positive outlook on the future prospects of the first rank in the three criterion measures of trust, namely the prospect of local employment, shopping desires, and personal finance.

Best Version Mandiri Securities Global Finance Magazine

International finance magazine based in New York, United States, Global Finance, put PT Mandiri Securities as an investment bank in Indonesia. Mandiri Securities won awards as the Best Investment Bank.

“This award is the 9th in a row from 2005 to 2013,” said Director of Mandiri Securities, Abiprayadi Riyanto.

Abiprayadi said the award was a recognition of the Mandiri Securities as domestic securities firms. With a wide distribution network, especially after the opening of a branch in Singapore, Mandiri Securities is committed to providing the best service.

“It is expected to be value-added for all customers, and the progress of the Indonesian capital market,” he said.

The award was obtained after a series of Global Finance editors team assessment based on several criteria, such as market share, number and value of transactions, distribution network, as well as pricing. The award ceremony will be held at the annual meeting of the International Monetary Fund (IMF) in Washington, in October 2013.

In 2012, Mandiri Securities perform underwriting Rp11, 45 trillion. The value consists of an initial public offering of shares (initial public offering / IPO) six companies worth Rp1, 68 trillion and 26 corporate bonds Rp9, 416 trillion.

In addition, dealing with rights issue Mandiri Securities State Savings Bank Tbk with underwriting portion Rp357, 25 billion.

In 2013, Abiprayadi added, taking into account the prospects of Indonesia’s positive economic growth, stable exchange rates, interest rates and controlled inflation, Mandiri Securities is optimistic that it can handle the IPO underwriting for 10 companies and 20 securities with a total value of guarantees around Rp11-12 trillion.

Turkey Can Be Gateway RI Login European

Turkey votes can be the gateway of Indonesia to go to Europe in the trade sector.

“In the field of trade, Turkey is certainly in need of resources to increase trade,” said former Vice President Jusuf Kalla.
Departing from there, Indonesia trade could be increased because of the immoral behavior of the entrepreneur youth movement in Turkey. JK who was accompanied by his son Solihin J Kalla, attend a lunch with the President of the Bank Asya Ahamet Beyaz in Istanbul Turkey.

Solihin was deeply impressed with the vision of Turkish businessmen. They developed a conscience project to be a tough businessman and made Turkey a leading country in the European economy today.

“And interestingly because unscrupulous business behavior is a youth movement in Turkey. Businesses the Young Turks movement which is based on this moral we should emulate,” said the man who is familiarly called Ihin.

According to him, if Indonesia can start from now, the country would be able to pick a few years later.