{"id":96681,"date":"2021-03-15T19:18:02","date_gmt":"2021-03-15T12:18:02","guid":{"rendered":"https:\/\/langgam.id\/?p=96681"},"modified":"2021-03-29T11:00:49","modified_gmt":"2021-03-29T04:00:49","slug":"agar-keuangan-sehat-pahami-3-permasalahan-finansial-ini","status":"publish","type":"post","link":"https:\/\/langgam.id\/agar-keuangan-sehat-pahami-3-permasalahan-finansial-ini\/","title":{"rendered":"Agar Keuangan Sehat, Pahami 3 Permasalahan Finansial Ini"},"content":{"rendered":"

Langgam.id<\/strong><\/a> - Berdasarkan Survei Indeks Literasi Keuangan Otoritas Jasa Keuangan, masyarakat Indonesia masih memiliki tingkat literasi keuangan yang rendah, dengan indeks literasi 38,03 persen dari total populasi.<\/p>\n

Mengelola keuangan bisa jadi permasalahan setiap orang di seluruh dunia, termasuk Indonesia. Namun, tahukah Anda, ada tiga permasalahan finansial yang perlu dibenahi agar masyarakat memiliki kondisi finansial yang fit (financially fit).<\/p>\n

Menurut Direktur Bank OCBC NISP, Ka Jit, terdapat tiga permasalahan finansial yang perlu dibenahi agar menjadikan masyarakat sehat finansial.<\/p>\n

Pengetahuan<\/strong>
\nPemahaman yang kurang terkait konsep dasar finansial menyebabkan banyak masyarakat mengambil keputusan finansial yang kurang tepat. Misalnya investasi mengikuti tren tanpa punya pemahaman dasar, pemahaman kapan waktu yang tepat untuk mempersiapkan dana darurat, proteksi atau investasi.<\/p>\n

Kebiasaan<\/strong>
\nKebisaaan manajemen finansial yang kurang tepat dan terbawa lifestyle kekinian, misalnya tergoda ajakan diskon, membeli barang yang tidak terlalu dibutuhkan dengan cara kredit.<\/p>\n

Mindset<\/strong>
\nMindset keuangan yang kurang tepat. Misalnya perencanaan keuangan itu cuma buat orang kaya, karena biaya konsultasinya mahal atau perencanaan keuangan itu sulit, bahkan menganggap pendapatannya tidak bisa disisihkan untuk tabungan\/investasi.<\/p>\n

\"Untuk mencapai tujuan tersebut, salah satu permasalahan yang harus dibenahi adalah mindset mengejar \"ingin kaya\", tapi tidak diikuti pengetahuan tenang tujuan, proses serta tahapan untuk mencapainya,\" katanya.<\/p>\n

Dia menuturkan, perseroan menyadari dengan membangun generasi financially fit diperlukan langkah besar agar mereka dapat mengambil keputusan keuangan yang tepat (attitude).<\/p>\n

Hal ini mulai dari meningkatkan pemahaman dasar finansial (knowledge), memperbaiki kebiasaan manajemen keuangan yang salah (behaviour), serta meluruskan mindset terkait finansial yang keliru.(*Ela)<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Langgam.id - Berdasarkan Survei Indeks Literasi Keuangan Otoritas Jasa Keuangan, masyarakat In...Lanjutkan Membaca<\/a><\/span>","protected":false},"author":4,"featured_media":96682,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[1],"tags":[2757],"class_list":["post-96681","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-berita","tag-ocbc-nisp"],"jetpack_publicize_connections":[],"yoast_head":"\nAgar Keuangan Sehat, Pahami 3 Permasalahan Finansial Ini<\/title>\n<meta name=\"description\" content=\"Berdasarkan Survei Indeks Literasi Keuangan Otoritas Jasa Keuangan, masyarakat Indonesia masih 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